How long has it been since the last time you looked for cheaper insurance rates in Austin, TX? Austin consumers have lots of choices when looking for the best price on Lincoln MKS insurance. You can either spend your time driving around getting price quotes or save time using the internet to compare rates. There are both good and bad ways to find insurance online so you’re going to learn the absolute fastest way to get price quotes on a Lincoln and locate the lowest possible price either online or from Austin insurance agents.
Choosing the most cost-effective car insurance policy in Austin is actually quite simple. If you currently have a car insurance policy, you stand a good chance to be able to lower your rates using the tips covered below. Drivers just need to know the tricks to compare rates online.
The quickest method to compare insurance rates in your area is to know the trick most insurance companies allow for online access to compare rate quotes. All consumers are required to do is provide the companies a bit of rating information including if you have a valid license, types of safety features, whether the vehicles are used for commuting, and if a SR-22 is required. That information gets sent immediately to all major companies and they return cost estimate instantly.
To find the cheapest Lincoln MKS insurance rates, click here and enter your coverage details.
The following companies are our best choices to provide price quotes in Austin, TX. If more than one company is shown, we suggest you click on several of them in order to find the cheapest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKS AWD 4-Dr Sedan | $196 | $414 | $340 | $20 | $102 | $1,072 | $89 |
| MKS 4-Dr Sedan | $362 | $774 | $392 | $24 | $118 | $1,670 | $139 |
| MKS Ecoboost AWD 4-Dr Sedan | $390 | $890 | $340 | $20 | $102 | $1,742 | $145 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can impact insurance rates substantially.
Lincoln MKS annual premiums for males versus females
The diagram below visualizes the comparison of Lincoln MKS auto insurance costs for male and female drivers. The data assumes no claims or driving violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no policy discounts are applied.
Save money on Lincoln MKS insurance in Austin with these insurance discounts
The cost of insuring your cars can be expensive, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but a few need to be manually applied prior to getting the savings.
- One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will let one accident slide without the usual rate increase if you have no claims for a certain period of time.
- Professional Memberships – Affiliation with qualifying clubs or civic groups could trigger savings on your next renewal.
- Safety Course Discount – Taking a course teaching safe driver skills is a good idea and can lower rates depending on where you live.
- Low Mileage Discounts – Keeping the miles down on your Lincoln may enable drivers to earn discounted prices on garaged vehicles.
- Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works. Any amount of discount will help lower your insurance premiums.
If you would like to view companies that offer the discounts shown above in Austin, click here to view.
Choosing vehicle insurance is an important decision
Despite the high insurance cost for a Lincoln MKS in Austin, maintaining insurance is not optional due to several reasons.
First, the majority of states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your MKS with a loan, most banks will stipulate that you buy insurance to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the bank may buy a policy for your Lincoln at a much higher premium rate and make you pay for the expensive policy.
Third, auto insurance protects both your car and your assets. It will also provide coverage for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of an accident. If you have damage to your Lincoln as the result of the weather or an accident, your policy will cover the repair costs.
The benefits of carrying adequate insurance more than cancel out the cost, particularly if you ever have a claim. On average, a vehicle owner in Austin is wasting up to $800 each year so we recommend shopping around every year to ensure rates are inline.
Auto insurance agents can find coverage gaps
A lot of people just prefer to sit down and talk to an agent and we recommend doing that Agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of comparing rate quotes online is you can get lower rates but still work with a licensed agent.
After filling out this form (opens in new window), your insurance coverage information is transmitted to companies in Austin that provide free Austin car insurance quotes for your coverage. It makes it easy because there is no need to search for any insurance agencies because quoted prices will be sent directly to your email. If you have a need to get a price quote from one company in particular, feel free to go to their quote page and submit a quote form there.
Picking the best insurer is decision based upon more than just the bottom line cost. Here are some questions to ask:
- Are there any discounts that you might be missing?
- How are claims handled?
- Do they specialize in personal lines coverage in Austin?
- When do they do policy reviews?
- Are claims handled at the agent’s location?
- Is the agency covered by Errors and Omissions coverage?
- How will an accident affect your rates?
- Can you contact them at any time?
Two types of car insurance agents
If you are wanting to find a good Austin insurance agent, it helps to know the two different types of agents that you can select. Auto insurance agents can be described as either independent agents or exclusive agents. Either one can write policy coverage, but it’s good to learn the difference in the companies they write for since it may influence buying decisions.
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive have only one company to place business with and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to shop your coverage around so keep that in mind. Exclusive agencies are usually well trained on what they offer which helps them compete with independent agents. Some insured continue to choose to use a exclusive agent partially due to loyalty to the company rather than low price.
Below are Austin exclusive agents who may provide you with price quotes.
- Allstate Insurance: Amanda Escobar
8700 Manchaca Rd #405 – Austin, TX 78748 – (512) 280-9700 – View Map - Stuart Nalewaik – State Farm Insurance Agent
1717 W 6th St #214 – Austin, TX 78703 – (512) 382-6019 – View Map - Karen Hall – State Farm Insurance Agent
7004 Bee Cave Rd #3 – Austin, TX 78746 – (512) 327-6200 – View Map
Independent Auto Insurance Agents
Independent agencies often have many company appointments so they can write business with an assortment of companies enabling the ability to shop coverage around. If prices rise, an independent agent can move your coverage without you having to go to a different agency.
When shopping rates, you definitely need to get some free quotes from independent agents to get the best comparison. Many independent agencies also insure through smaller companies which may provide better rates.
Listed below are independent insurance agencies in Austin that are able to give price quotes.
- Watkins Insurance Group
3834 Spicewood Springs Rd – Austin, TX 78759 – (512) 452-8877 – View Map - Austin Insurance Group
9705 Burnet Rd #314 – Austin, TX 78758 – (512) 339-2901 – View Map - E-Z Insurance – South
4011 S 1st St – Austin, TX 78745 – (512) 443-9700 – View Map