Affordable Lincoln MKS Insurance in Atlanta

Insurance rates Lincoln MKS in AtlantaHow long has it been since you shopped around for low-cost Lincoln MKS insurance in Atlanta? Trying to come up with a payment for expensive auto insurance can diminish your savings account and maybe even restrict other spending. Performing a price comparison can help to make sure you’re not throwing money away.

A recent auto insurance study revealed that most drivers have bought auto insurance from the same company for more than four years, and almost half have never taken the time to shop around. The average driver in Atlanta can save almost $1,000 each year by just shopping around, but most tend to underestimate how much they could save if they bought a different policy.

Drivers have many auto insurance companies to buy insurance from, and although it’s nice to have multiple companies, too many choices makes it more difficult to find the best rates for your vehicles.

Discounts mean cheaper rates for Lincoln MKS insurance in Atlanta

Companies offering auto insurance do not list every discount they offer very well, so the below list has a few of the more common and the more hidden credits available to you. If you do not check that you are getting every discount available, you are throwing money away.Discount insurance

As a sidenote, most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you could get a free insurance policy, companies don’t profit that way.

A list of insurance companies and some of their more popular discounts can be found below.

Double check with all companies you are considering to apply every possible discount. All car insurance discounts may not be available in your state. If you would like to see a list of insurers with significant discounts in Atlanta, click this link.

When comparing auto insurance rates, know that comparing all the rates in your area helps you find the best offered rates.

The car insurance companies shown below offer free quotes in Atlanta, GA. If more than one company is shown, we suggest you get prices from several of them in order to find the most competitive rates.

Lincoln MKS Insurance Cost Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $344 $690 $452 $26 $136 $1,648 $137
MKS 4-Dr Sedan $412 $812 $342 $20 $102 $1,688 $141
MKS Ecoboost AWD 4-Dr Sedan $468 $966 $452 $26 $136 $2,048 $171
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can influence insurance rates significantly.

Lincoln MKS liability rates compared to full coverage

The illustration below visualizes the comparison of Lincoln MKS annual premium costs with liability coverage only compared to full coverage. The rates are based on no driving violations, no at-fault accidents, $1,000 deductibles, married male driver, and no other discounts are factored in.

When to buy liability coverage only

There is no written rule to drop full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s assume your Lincoln MKS claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after paying the physical damage deductible. If you are currently paying more than $700 a year for full coverage, then you might want to consider buying only liability coverage.

There are some cases where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Car insurance deductibles

The example below shows how choosing a deductible and can impact Lincoln MKS insurance premiums for different ages of insureds. Data assumes a single male driver, comp and collision included, and no discounts are applied to the premium.

What if I want to buy from local Atlanta auto insurance agents?

Certain consumers just want to sit down with an agent and that is recommended in a lot of cases A nice benefit of getting online price quotes is you can get cheaper premium rates and still have an agent to talk to.

Once you complete this form (opens in new window), your information gets sent to companies in Atlanta who will gladly provide quotes for your insurance coverage. You won’t need to even leave your home as quotes are delivered to your email. You’ll get the best rates and work with a local agent. If you need to get a price quote from a specific company, don’t hesitate to jump over to their website and give them your coverage information.

Finding the right provider needs to be determined by more than just a low price. The answers to these questions are important, too.

If you are wanting to find a local insurance agency, it’s important to understand the types of insurance agents to choose from. Atlanta agents are either independent or exclusive depending on the company they work for.

Exclusive Agents

Agents that elect to be exclusive can only provide one company’s prices and some examples include Farmers Insurance, State Farm, or Allstate. They usually cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on their company’s products and that can be a competitive advantage.

Below are exclusive agencies in Atlanta that can give you price quote information.

2285 Peachtree Rd #204Atlanta, GA 30309(404) 390-1190View Map

Eddie Sanders – State Farm Insurance Agent
47 Perimeter Center E #130Atlanta, GA 30346(770) 394-5068View Map

2800 Shallowford Rd NE, Ste A-BAtlanta, GA 30341(678) 791-7132View Map

More insurance agents

Independent Insurance Agents

Independent agencies can quote rates with many companies so they can insure your vehicles with lots of companies depending on which coverage is best. If they find a cheaper price, the business is moved internally and you stay with the same agent. When comparing rates, you should always get insurance quotes from a few independent agents in order to have the best price comparison.

The following are Atlanta independent insurance agencies willing to provide comparison quotes.

3201 Atlanta Industrial Pkwy NW b220Atlanta, GA 30331(404) 660-3821View Map

1830 Water Pl #105Atlanta, GA 30339(404) 892-2864View Map

5855 Buford Hwy NE # EAtlanta, GA 30340(770) 452-8881View Map

More insurance agents

Persistence pays off

We just covered many tips how you can save on Lincoln MKS insurance in Atlanta. The key thing to remember is the more quotes you get, the better likelihood of getting inexpensive Atlanta car insurance quotes. You may even find the lowest rates come from a company that doesn’t do a lot of advertising. Some small companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. In too many instances, someone dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Discount Lincoln MKS insurance in Atlanta can be sourced online as well as from independent agents in Atlanta, and you should compare price quotes from both so you have a total pricing picture. Some companies do not provide rates over the internet and these small insurance companies only sell through local independent agents.

Even more information can be read by following these links: