Best Insurance for a Lincoln MKZ in Buffalo

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Discount Lincoln MKZ insuranceA study showed that most car insurance customers have purchased from the same company for a minimum of four years, and just short of a majority have never taken the time to shop around. Many drivers in Buffalo could save an average of nearly $840 each year, but most just don't grasp the benefits if they switched to a more affordable policy.

It takes a few minutes, but the best way to get discount Lincoln MKZ insurance is to start comparing prices regularly from companies that insure vehicles in Buffalo.

  • First, take a few minutes and learn about policy coverages and the modifications you can make to keep rates low. Many rating criteria that cause rate increases like speeding tickets, careless driving and an imperfect credit score can be rectified by making minor driving habit or lifestyle changes.
  • Second, request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes for a wide range of companies.
  • Third, compare the new rates to your current policy to see if a cheaper rate is available. If you find a lower rate quote, make sure coverage is continuous and does not lapse.

One key aspect when comparing rates is to try to use similar deductibles and liability limits on every quote request and and to get prices from as many carriers as you can. Doing this enables a fair price comparison and many rates to choose from.

These discounts can lower your auto insurance rates

Companies that sell car insurance do not list all possible discounts very clearly, so the below list has both well-publicized and also the lesser-known discounts that may be available.

  • Waiver for an Accident - This isn't a discount exactly, but companies like Allstate and State Farm will forgive one accident without the usual rate increase if you are claim-free prior to the accident.
  • Onboard Data Collection - Insureds who allow companies to spy on driving manner through the use of a telematics system such as Allstate's Drivewise and State Farm's In-Drive system might see lower rates as long as the data is positive.
  • More Vehicles More Savings - Drivers who insure all your vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Drive Less and Save - Maintaining low annual mileage can earn substantially lower rates.
  • Military Deployment Discount - Having a family member in the military could qualify you for better rates.
  • Good Student Discount - Excelling in school could provide a savings of up to 20% or more. The discount lasts up to age 25.
  • Air Bags and Passive Restraints - Cars that have air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, it just doesn't work that way. But any discount should help lower the amount you have to pay.

The illustration below visualizes the comparison of Lincoln MKZ insurance costs with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no at-fault accidents, New York state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, safe-driver, and multi-car discounts applied.

Popular auto insurance companies and their offered discounts are:

  • Farmers Insurance has discounts for homeowner, teen driver, mature driver, business and professional, and multi-car.
  • Esurance offers discounts for emergency road assistance, defensive driver, anti-lock brakes, good driver, online quote, and paid-in-full.
  • State Farm offers premium reductions for multiple policy, accident-free, Drive Safe & Save, safe vehicle, good student, and anti-theft.
  • GEICO offers discounts including good student, defensive driver, federal employee, five-year accident-free, daytime running lights, and anti-lock brakes.
  • Allstate may have discounts that include new car, economy car, anti-theft, EZ pay plan discount, farm vehicle, and auto/life discount.

Before purchasing a policy, check with all companies you are considering which discounts they offer. Some of the earlier mentioned discounts may not be available in your state.

Many insurance companies like State Farm, GEICO and Progressive allow consumers to get insurance quotes on the web. Comparing prices online for Lincoln MKZ insurance in Buffalo doesn't take much effort as you just type in your coverage information as requested by the quote form. Behind the scenes, the company's rating system sends out for your driving and credit reports and returns a price quote based on many factors. Getting online rates for Lincoln MKZ insurance in Buffalo streamlines rate comparisons, and it's very important to do this in order to get the lowest payment on insurance.

If you want to find out how much you're overpaying now, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you complete the form with deductibles and limits identical to your current policy. This helps ensure you will get rate quotes for similar coverage.

The following companies are our best choices to provide free quotes in Buffalo, NY. To find cheap auto insurance in New York, we recommend you get rate quotes from several of them in order to find the cheapest rates.

Lincoln MKZ insurance analysis

The rate table shown below showcases detailed analysis of insurance rates for Lincoln MKZ models. Having a better understanding of how prices are figured can help guide drivers when making decisions when shopping around.

Lincoln MKZ Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $112 $250 $288 $16 $86 $752 $63
MKZ AWD 4-Dr Sedan $112 $250 $288 $16 $86 $752 $63
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in Buffalo location which can modify premium rates substantially.

Can higher deductibles save money?

One common question asked by Buffalo drivers is how high should the physical damage deductibles be. The comparisons below show how much more you'll pay when you choose different deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Lincoln MKZ insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $258 $558 $300 $18 $90 $1,249 $104
MKZ AWD 4-Dr Sedan $258 $558 $300 $18 $90 $1,249 $104
Get Your Own Custom Quote Go
Lincoln MKZ insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $142 $294 $300 $18 $90 $844 $70
MKZ AWD 4-Dr Sedan $142 $294 $300 $18 $90 $844 $70
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Estimates do not factor in zip code location which can modify premium rates greatly.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $34 more each month or $408 each year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 26 months between claim filings, you would probably be better off if you choose a higher deductible.

Car insurance cost for men versus women

The information below illustrates the comparison of Lincoln MKZ car insurance costs for male and female drivers. Data assumes no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, single status, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The example below shows the comparison of Lincoln MKZ auto insurance costs when comparing full coverage to state minimum liability only. The costs are based on no violations or claims, $1,000 deductibles, single marital status, and no policy discounts are applied.

Should you pay for full coverage?

There isn't a steadfast formula for dropping physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let's say your Lincoln MKZ settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying the physical damage deductible. If premium cost is more than $700 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping physical damage coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not buy liability only.

Lower Your Buffalo Insurance Rates

Multiple criteria are used when you get a price on insurance. A few of the factors are predictable such as traffic violations, but others are not quite as obvious such as your credit history or your commute time.

The factors shown below are some of the things used by companies to determine your premiums.

Good drivers pay better costs - Being a careful driver impacts your car insurance rates tremendously. Having a single driving citation may increase your cost by as much as twenty percent. Good drivers tend to pay less for car insurance as compared to those with violations. Drivers with serious violations such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state DMV in order to legally drive.

The chart below demonstrates how citations and fender-benders can increase Lincoln MKZ car insurance rates for each age group. The price estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Allowing your coverage to lapse raises rates - Having a gap between insurance policy dates is a sure-fire way to drive up your policy premiums. And not only will your rates increase, failure to provide proof of insurance may result in fines or a revoked license.

Do you have enough liability insurance? - Liability insurance will protect you if you are responsible for physical damage or personal injury to other. It will provide for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Responsible credit saves on auto insurance - Credit score is a big factor in calculating your auto insurance rates. Drivers who have very good credit scores tend to be better risks to insure than those with lower ratings. If your credit history can use some improvement, you could be paying less to insure your Lincoln MKZ if you improve your credit rating.

Lincoln MKZ insurance loss probability - Insurers factor in historical loss data when setting premium rates. Vehicles that historically have higher losses will have higher rates. The table shown below demonstrates the loss history for Lincoln MKZ vehicles.

For each insurance policy coverage type, the claim probability for all vehicles compiled together is equal to 100. Values that are under 100 indicate better than average losses, while numbers above 100 point to more claims or a tendency for losses to be larger than average.

Lincoln MKZ Insurance Claim Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Lincoln MKZ 4dr 2WD 137 85 107 95 89 75
Lincoln MKZ 4dr 4WD 140 82 126 99
Lincoln MKZ Hybrid 4dr 148 84 100 74 82 76

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comparing rates from local Buffalo insurance agents

Some consumers just want to talk to a local agent and that is recommended in a lot of cases Agents are trained to spot inefficiencies and help you file claims. An additional benefit of comparing auto insurance online is that drivers can save money and get cheaper car insurance rates and still have a local agent. And supporting local agents is important especially in Buffalo.

Find insurance agent in BuffaloTo find an agent, once you fill out this short form, your insurance coverage information is immediately sent to companies in Buffalo that can provide free Buffalo car insurance quotes for your business. You won't need to find an agent since price quotes are sent directly to your email. In the event you want to get a price quote from a specific company, you just need to visit that company's website and fill out their quote form.

Best car insurance agent in Buffalo

When looking for a reliable insurance agent, it's helpful to know the different types of agencies and how they can write your policy. Auto insurance policy providers are classified as either exclusive or independent (non-exclusive). Both types can insure your vehicles, but it's important to know the difference between them since it can impact which agent you choose.

Independent Agents (or Brokers)

These agents are not employed by any specific company so as a result can place your coverage through many different auto insurance companies and potentially find a lower price. If you want to switch companies, an independent agent can move your coverage and you won't have to switch agencies. When comparing auto insurance prices, you should always get some free quotes from multiple independent agents to have the most options to choose from.

Shown below is a small list of independent insurance agents in Buffalo that can give you free rate quotes.

759 Dick Rd - Buffalo, NY 14225 - (716) 626-3355 - View Map

1660 Kensington Ave # 2 - Buffalo, NY 14215 - (716) 427-6922 - View Map

361 Delaware Ave - Buffalo, NY 14202 - (716) 849-8618 - View Map

More Buffalo agents

Exclusive Agencies

Agents in the exclusive channel normally can only provide a single company's rates like Farmers Insurance, State Farm, or Allstate. They usually cannot provide other company's prices so always compare other rates. These agents are usually well trained on their company's products which helps them sell on service rather than price.

Shown below are exclusive agencies in Buffalo that can give you price quotes.

2165 Sheridan Dr - Buffalo, NY 14223 - (716) 875-0524 - View Map

6699 Transit Road - Buffalo, NY 14221 - (716) 810-1500 - View Map

615 Elmwood Ave - Buffalo, NY 14222 - (716) 783-9460 - View Map

More Buffalo agents

Picking an car insurance agent shouldn't rely on just a cheap price. Any agent in Buffalo should have no problem answering these questions:

  • Can you contact them at any time?
  • Are there any discounts that you might be missing?
  • Which companies can they place coverage with?
  • How long have they worked with personal auto insurance coverage?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • How are claims handled?

After talking to the agent and getting good feedback for all questions you ask and cheaper MKZ insurance quotes, it's possible that you found an auto insurance agent that meets the criteria to service your policy. But keep in mind you can cancel your policy at any time so never assume that you are permanently stuck with any specific company with no way to switch.

Car insurance just makes sense

Despite the fact that car insurance is not cheap in Buffalo, buying car insurance may not be optional for several reasons.

  • Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to drive the car legally. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your vehicle with a loan, most lenders will require that you buy full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Lincoln at a more expensive rate and force you to pay for the expensive policy.
  • Car insurance protects not only your vehicle but also your financial assets. Insurance will pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if anyone sues you for causing an accident. If you have damage to your Lincoln as the result of the weather or an accident, your car insurance policy will cover the repair costs.

The benefits of insuring your car greatly outweigh the cost, especially for larger claims. Unknowingly, the average driver is overpaying more than $825 a year so compare quotes from several companies every year to be sure current rates are still competitive.

Don't give up on affordable coverage

As you go through the steps to switch your coverage, it's a bad idea to buy poor coverage just to save money. In many cases, an insured dropped physical damage coverage and found out when filing a claim that they should have had better coverage. Your goal should be to get the best coverage possible for the lowest cost, but do not skimp to save money.

Some insurance companies don't offer rate quotes online and these regional insurance providers only sell coverage through independent agencies. Affordable Lincoln MKZ insurance in Buffalo is possible both online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.

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