Auto Insurance Quotes for a Lincoln MKZ in Long Beach

Insurance rates Lincoln MKZ in Long BeachAre you looking for a better way to compare low-cost auto insurance rates in Long Beach, CA? Long Beach buyers have many options when searching for affordable Lincoln MKZ insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates. There are both good and bad ways to find auto insurance online so we’re going to tell you the best way to price shop coverage for your Lincoln and obtain the lowest price either online or from Long Beach insurance agents.

Surprisingly, a recent survey revealed that nearly 70% of California drivers kept buying from the same company for well over three years, and approximately 38% of consumers have never compared quotes from other companies. Many drivers in the U.S. can save hundreds of dollars each year, but they just don’t understand how much savings they would realize if they changed companies.

Smart consumers take time to quote other rates quite often since insurance prices are adjusted regularly by insurance companies. Even if you got the best price on Lincoln MKZ insurance in Long Beach two years ago you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to show you the only way to remove unneeded coverages and save money.

The car insurance companies shown below are ready to provide comparison quotes in Long Beach, CA. If you wish to find the best auto insurance in Long Beach, we recommend you visit as many as you can to get the most competitive price.

Insurance rate breakdown

The premium information shown next showcases a range of coverage prices for Lincoln MKZ models. Learning how auto insurance prices are figured is important for you to make informed decisions when shopping around for a new policy.

Lincoln MKZ Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $272 $490 $654 $38 $196 $1,650 $138
MKZ AWD 4-Dr Sedan $272 $490 $654 $38 $196 $1,650 $138
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific garaging location which can influence premium rates substantially.

Can higher deductibles save money?

One of the more difficult decisions when buying auto insurance is which deductibles should you choose. The comparison tables below sum up the rate fluctuation when you select higher and lower comp and collision deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Lincoln MKZ insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $430 $932 $500 $30 $150 $2,067 $172
MKZ AWD 4-Dr Sedan $430 $932 $500 $30 $150 $2,067 $172
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Lincoln MKZ insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $314 $630 $500 $30 $150 $1,624 $135
MKZ AWD 4-Dr Sedan $314 $630 $500 $30 $150 $1,624 $135
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in vehicle location which can impact auto insurance rates significantly.

We can derive from the above data that using a $100 deductible costs approximately $37 more each month or $444 for a full year averaged for all MKZ models than quoting the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 11 months between claim filings, you would probably save some money if you elect the higher deductible.

Safe drivers pay cheaper rates

The diagram below demonstrates how speeding tickets and accident claims can impact Lincoln MKZ insurance prices for each age group. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Rate comparison of males versus females in Long Beach

The chart below shows the comparison of Lincoln MKZ insurance premiums for male and female drivers. The premiums assume no claims or driving violations, full physical damage coverage, $500 deductibles, single status, and no discounts are taken into consideration.

Difference between full coverage and liability only rates

The chart below shows the difference between Lincoln MKZ insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied.

Are you wasting money on full coverage?

There is no written rule to delete physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Lincoln MKZ claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after you pay the deductible. If you are paying more than $700 annually for physical damage coverage, then it could be time to drop full coverage.

There are some situations where only buying liability is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

Discount Long Beach car insurance rates

Companies don’t always advertise every discount in an easy-to-find place, so the below list has both well-publicized and the harder-to-find car insurance savings.Cheaper car insurance with discounts

As a footnote on discounts, most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

The illustration below visualizes the comparison of Lincoln MKZ car insurance costs with and without discounts. The premium estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, claim-free, and multi-policy discounts applied.

A few of the larger companies and their offered discounts include:

Double check with all companies you are considering which credits you are entitled to. Savings may not be available in your area. If you would like to see a list of providers that offer some of these discounts in California, click here.

Car insurance protects more than just your car

Despite the potentially high cost of Lincoln MKZ insurance, buying car insurance is required by state law in California and it also provides benefits you may not be aware of.

The benefits of having insurance outweigh the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is wasting up to $700 annually so it’s recommended you shop around at least once a year to ensure rates are inline.

Best auto insurance in Long Beach

Finding the right insurer is hard considering how many companies sell insurance in California. The information below can help you select which companies to look at when comparing rates.

Long Beach, California Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Compare prices but still have a local Long Beach insurance agency

Many drivers still like to buy from a licensed agent and we recommend doing that Experienced insurance agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of getting free rate quotes online is you may find cheaper premium rates and still choose a local agent.

Once you complete this simple form, the coverage information is transmitted to insurance agents in Long Beach that provide free Long Beach car insurance quotes and help you find cheaper coverage. You don’t have to find an agent since rate quotes are delivered to you directly. If you need to get a price quote from a specific company, feel free to jump over to their website and fill out their quote form.

Finding the right company is decision based upon more than just a cheap quote. Some important questions to ask are:

Best auto insurance agent in Long Beach

If you want to buy insurance from a local agent, it can be helpful to understand the types of insurance agents and how they can write your policy. Insurance agents in Long Beach are either exclusive agents or independent agents. Either type can insure your vehicles, but it is important to understand the difference in the companies they write for since it could factor into the selection process.

Exclusive Insurance Agencies

Exclusive agents normally can only provide a single company’s rates such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well schooled on sales techniques which helps them sell on service rather than price. A lot of people buy from the same agent for years partially due to loyalty to the company rather than low price.

Listed below are Long Beach exclusive agencies that are able to give comparison quotes.

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Independent Insurance Agents

Agents that choose to be independent are normally appointed by many insurers and that is an advantage because they can write policies with many different companies and find you cheaper rates. If your agent finds better pricing, they can switch companies in-house without you having to go to a different agency. If you need cheaper insurance rates, we recommend you check rates from a couple of independent agencies to get the most accurate price comparison. They often place coverage with less well-known companies which can be an advantage.

Shown below is a list of independent insurance agents in Long Beach that are able to give comparison quotes.

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