Are you researching the cheapest Lincoln MKZ insurance in Houston? When shopping for lower-cost insurance, do you get frustrated by the crazy number of insurance providers that you can choose from? Many other drivers are too. Texas people have so many providers to choose from that it can really be a chore to find the best rates for Lincoln MKZ insurance in Houston. Houston is the perfect city to reside in, but trying to pay high insurance rates can make it nearly impossible for many drivers to keep a tight budget.
Sadly, nearly 70% of customers kept their coverage with the same insurance company for over three years, and nearly half have never compared insurance rates at all. The average driver in Houston can save hundreds of dollars each year just by shopping around, but they don’t believe how much money they would save if they just switched companies.
It’s smart to quote other rates at least once a year due to the fact that insurance prices go up and down regularly. Despite the fact that you may have had the lowest price on Lincoln MKZ insurance in Houston a few years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because we’re going to show you one of the easiest ways to save money, get proper coverage and the best rates.
Affordable companies for Lincoln MKZ insurance
The following companies provide comparison quotes in Texas. If multiple companies are shown, we recommend you compare several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $318 | $788 | $486 | $28 | $146 | $1,766 | $147 |
| MKZ AWD 4-Dr Sedan | $300 | $668 | $582 | $34 | $174 | $1,758 | $147 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in specific Houston garaging location which can impact coverage rates considerably.
Does full coverage make sense?
The diagram below examines Lincoln MKZ premium costs with full coverage compared to only the Texas minimum liability coverage. The price estimates are based on no tickets, no at-fault accidents, $250 deductibles, single female driver, and no policy discounts are applied.
Deciding between full coverage and liability only
There is no set rule for dropping full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Lincoln MKZ settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after you pay the deductible. If it’s costing you more than $300 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few situations where only buying liability is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Impact of violations and accidents on rates
The example below shows how speeding tickets and at-fault fender-benders can influence Lincoln MKZ auto insurance costs for each different age group. The prices are based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Should you raise deductibles?
One frequently asked question is how high should the physical damage coverage deductibles be. The comparison tables below can help illustrate the premium difference of buying low and high physical damage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $370 | $804 | $430 | $26 | $128 | $1,783 | $149 |
| MKZ AWD 4-Dr Sedan | $370 | $804 | $430 | $26 | $128 | $1,783 | $149 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $206 | $424 | $430 | $26 | $128 | $1,214 | $101 |
| MKZ AWD 4-Dr Sedan | $206 | $424 | $430 | $26 | $128 | $1,214 | $101 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in specific location information which can lower or raise insurance rates considerably.
Based on the above data, using a $100 deductible costs roughly $48 more each month or $576 every year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 19 months between claim filings, you would most likely save money if you decide on a higher deductible.
Cheap Lincoln MKZ insurance quotes in Houston
Insurance is easily one of your largest bills, but you might find some hidden discounts to cut the cost considerably. Some discounts will apply at quote time, but some must be asked about before they will apply.
- Low Miles Discount – Driving less could earn better rates on cars that stay parked.
- Discount for New Cars – Buying insurance coverage on a new vehicle can be considerably cheaper due to better safety requirements for new model year vehicles.
- Telematics Devices – Policyholders that allow their insurance company to study when and where they use their vehicle through the use of a telematics system such as State Farm’s In-Drive may see discounts if they have good driving habits.
- Own a Home – Just owning your own home may earn you a small savings because of the fact that having a home means you have a higher level of financial diligence.
- Bundled Policy Discount – If you insure your home and vehicles with one company they may give you a discount of at least 10% off all policies.
A little note about advertised discounts, many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies aren’t that generous. Any amount of discount should help reduce your policy premium.
Car insurance companies that possibly offer some of the discounts shown above are:
If you need lower rates, check with every insurance company to give you their best rates. Some discounts might not be offered on policies in Houston. To see insurance companies that can offer you the previously mentioned discounts in Texas, click this link.
Don’t I need to contact an insurance agency?
A lot of people would rather have an agent’s advice and doing so can bring peace of mind The biggest benefit of comparing car insurance online is that drivers can save money and get cheap car insurance quotes but also keep your business local. Buying from local agencies is still important in Houston.
To help locate an agent, after submitting this quick form, your information is sent to participating agents in Houston who can give free rate quotes for your car insurance coverage. It’s much easier because you don’t need to contact any insurance agencies since price quotes are sent to your email. You can get cheaper car insurance rates and a licensed agent to work with. If you need to compare prices for a specific company, you would need to visit that company’s website and submit a quote form there.
Pick the best car insurance agent in Houston for you
If you would like to find a good Houston insurance agent, you should know the different types of agencies and how they are slightly different. Car insurance agents can either be independent or exclusive.
Independent Car Insurance Agents
Agents in the independent channel are not locked into one company so they can quote policies with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you can keep the same agent. When comparing rate quotes, it’s a good idea to include price quotes from at least one independent agent to ensure the widest selection of prices. Most can insure with small regional insurance companies that many times have cheaper rates.
Listed below are independent agents in Houston that may be able to give price quotes.
- Hallmark Insurance Agency Inc
12337 Jones Rd – Houston, TX 77070 – (281) 894-8200 – View Map - Memorial Insurance Agency, LLC
13624 Memorial Dr – Houston, TX 77079 – (713) 461-8272 – View Map - Kingspoint Insurance Agency, Inc.
11200 Westheimer Rd #850 – Houston, TX 77042 – (713) 850-1660 – View Map
Exclusive Agencies
These type of agents work for only one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to provide rate quotes from other companies so they have to upsell other benefits. These agents are highly trained on what they offer which helps them sell insurance even at higher premiums. Some people will only use the same agent partially due to the brand and strong financial ratings.
Shown below are Houston exclusive agents willing to provide rate quotes.
- Armando Valdez – State Farm Insurance Agent
12941 North Fwy #608 – Houston, TX 77060 – (281) 537-7890 – View Map - Donald Malveaux – State Farm Insurance Agent
12001 Richmond Ave #6 – Houston, TX 77082 – (281) 679-7155 – View Map - Allstate Insurance: Harris County Insurance Agency
13030 Woodforest Blvd b – Houston, TX 77015 – (713) 451-5716 – View Map
Picking an insurance agency shouldn’t rely on just the bottom line cost. These are valid questions to ask:
- Does the agency support the community they serve?
- What kind of financial rating does the company have?
- Can you choose the body shop in case repairs are needed?
- Are they able to provide referrals?
- Will they take your side in the event of a claim?
- Is there a Errors and Omissions policy in force?
Switch companies and save? Really?
State Farm, Allstate and GEICO seem to constantly run television, radio, and online ads. They all state the claim that you’ll save big if you get a free Houston car insurance quote and switch your policy. That’s great but how can every company charge less that you’re paying now? Here is how they do it.
Insurance companies give the cheapest rates for the driver that will most likely be profitable. One example of this type of insured could be a female over age 40, carries full coverage, and does not commute to work. Any new insured that matches those criteria will most likely get cheap rates and is almost guaranteed to save when switching.
Drivers who fall short of those standards may be forced to pay higher premiums and ends up with the customer buying from someone else. The ads state “people who switch” not “everybody who quotes” save that much money. This is how insurance companies can make claims that they all have the best car insurance rates.
This emphasizes why you really should compare rate quotes every year. Because you cannot predict which insurance companies will have the lowest Lincoln MKZ insurance in Houston.
The best insurance company isn’t always the cheapest
When getting Houston car insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, someone dropped physical damage coverage to discover at claim time they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.
Lower-priced auto insurance in Houston can be bought online and from local insurance agents, so you need to shop Houston car insurance with both so you have a total pricing picture. Some insurance providers may not offer online rate quotes and many times these regional carriers provide coverage only through independent agents.
We just showed you some good ideas how you can find affordable Lincoln MKZ insurance in Houston. The most important thing to understand is the more quotes you get, the higher your chance of finding the cheapest Lincoln MKZ rate quotes. You may even be surprised to find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising.
More detailed auto insurance information can be found at these sites:
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance Quotes for Low Mileage Drivers in Houston? (FAQ)
- Who Has Cheap Car Insurance Rates for a Toyota Corolla in Houston? (FAQ)
- Who Has Cheap Car Insurance Rates for Electric Cars in Houston? (FAQ)
- Who Has Cheap Auto Insurance for Postal Workers in Houston? (FAQ)
- How Much are Car Insurance Quotes for Infrequent Drivers in Houston? (FAQ)
- Who Has the Cheapest Auto Insurance for a Kia Optima in Houston? (FAQ)
- Who Has Affordable Houston Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Credit and Insurance Scores (Insurance Information Institute)
- Insuring a Leased Car (Insurance Information Institute)