Trying to find low cost Lincoln MKZ insurance in Austin can be slightly frustrating for drivers who have little experience buying insurance online. With such a large number of insurers to choose from, it can easily turn into a real challenge to find the perfect company for you.
Remarkably, a study showed that almost 70% of insureds have stayed with the same insurance company for four years or more, and approximately 38% of consumers have never even shopped around for cheaper coverage. Texas insurance shoppers could save almost $1,766 each year by just shopping around, but most just don’t grasp the big savings they would realize if they moved their coverage to a different company.
Quoting and comparing affordable protection in Austin is not as hard as you may think. Nearly every driver who needs lower cost insurance stands a good chance to find lower prices. Although Texas consumers benefit from understanding how big insurance companies price insurance differently and use this information to your advantage.
How much does Lincoln MKZ insurance in Austin, TX cost?
To find the best auto insurance rates, there are several ways to obtain and compare prices from different companies. The simplest method to find cheaper Lincoln MKZ rates is to jump online and get quotes. Just keep in mind that getting more free quotes provides better odds of finding a lower rate.
The following companies offer price comparisons in Texas. If multiple companies are shown, we recommend you get price quotes from several of them to get the cheapest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $200 | $414 | $440 | $26 | $132 | $1,212 | $101 |
| MKZ AWD 4-Dr Sedan | $176 | $414 | $486 | $28 | $146 | $1,250 | $104 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle location which can lower or raise premiums considerably.
Impact of speeding/accidents on auto insurance rates
The chart below illustrates how traffic citations and fender-benders drive up Lincoln MKZ insurance costs for each age group. The premium estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Rate comparison for different deductibles
The information below demonstrates how deductible levels and can raise or lower Lincoln MKZ insurance prices for each age group. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Comparing rates from local Austin insurance agents
Some consumers just want to buy from a local agent and doing that can be a smart decision One of the benefits of getting online price quotes is the fact that drivers can get cheaper premium rates and still choose a local agent. Buying insurance from local agents is definitely important in Austin.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is instantly submitted to companies in Austin that can provide free Austin car insurance quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent because prices are sent to you. You’ll get the best rates AND a local agent. If you have a need to get a price quote from a specific insurance provider, you can always search and find their rate quote page to submit a rate quote request.
The different types of car insurance agents
When finding a reliable insurance agent, it’s important to understand the types of insurance agents to choose from. Insurance agencies in Austin can either be exclusive or independent (non-exclusive).
Independent Insurance Agencies
These type of agents do not write with just one company so they can write business through lots of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. If you need lower rates, you need to get insurance quotes from multiple independent agents to get the most accurate price comparison. They often place coverage with companies that do not advertise much that many times have cheaper rates.
Below is a short list of independent insurance agencies in Austin that may be able to give free insurance rate quotes.
- Eckert Insurance Group
824 W 10th St – Austin, TX 78701 – (512) 472-6969 – View Map - AUSTIN AREA INSURANCE AGENCY
8711 Burnet Rd – Austin, TX 78757 – (512) 253-8726 – View Map - Lezam Insurance
4301 W. William Cannon Dr., Ste. B-120 – Austin, TX 78749 – (512) 263-4333 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can usually just insure with one company and examples are Allstate, State Farm and Farmers Insurance. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on what they offer which helps offset the inability to provide other markets. Drivers often purchase coverage from exclusives mostly because of the brand legacy rather than low rates.
Shown below are exclusive agents in Austin who can help you get price quotes.
- Karen Hall – State Farm Insurance Agent
7004 Bee Cave Rd #3 – Austin, TX 78746 – (512) 327-6200 – View Map - State Farm: Dick Clay
3006 Bee Cave Rd Suite B170 – Austin, TX 78746 – (512) 328-2340 – View Map - Greg Pearson – State Farm Insurance Agent
8705 Shoal Creek Blvd #102 – Austin, TX 78757 – (512) 451-0188 – View Map
Choosing the best insurance agency is decision based upon more than just the premium amount. Agents should be asked these questions:
- If you have an accident, will your rates go up?
- How many years have they been established?
- Does the agency provide any after hours assistance?
- Can you choose the body shop in case repairs are needed?
- Does the company have a local claim office in Austin?
- How are claims handled?