Compare Lincoln MKZ Insurance Rates in New Orleans

Really, the only way to find discount car insurance rates in New Orleans is to compare quotes annually from companies in Louisiana. Rate comparisons can be done by completing these steps.

Step 1: Get an understanding of individual coverages and the steps you can take to drop your rates. Many things that cause rate increases like traffic violations and a not-so-good credit rating can be controlled by making minor changes in your lifestyle. This article provides ideas to keep prices down and find overlooked discounts.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while independent agents can provide price quotes from multiple companies.

Step 3: Compare the price quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.

Step 4: Provide proper notification to your current company of your decision to cancel your current policy. Submit a down payment and signed policy application to your new agent or company. Once coverage is bound, keep your new certificate verifying coverage somewhere easily accessible.

One bit of advice is that you use identical deductibles and limits on every price quote and and to get rates from all possible companies. Doing this guarantees a fair rate comparison and the best price selection.

Insurance for Lincoln MKZIt’s a fact that auto insurance companies don’t want policyholders to shop around. Consumers who compare other prices will, in all likelihood, move their business because there is a great chance of finding a more affordable policy premium. A recent survey revealed that consumers who compared rates regularly saved about $3,400 over four years as compared to drivers who never shopped around for lower prices.

If finding the best price on Lincoln MKZ insurance is your objective, then learning about how to shop for car insurance can make the process less intimidating.

Choosing the best insurance company for you in New Orleans is not that difficult. If you’re already insured, you will be able to reduce the price you pay using the ideas presented in this article. But Louisiana consumers must learn the methods companies use to market insurance on the web and take advantage of how the system works.

Most major insurance companies like State Farm, GEICO and Progressive provide prices directly from their websites. Comparing Lincoln MKZ insurance rates online is quite simple because it’s just a matter of typing in your required coverages into a form. Once you submit the form, the company’s rating system requests reports for credit and driving violations and generates pricing information based on these and other factors. Quoting online for Lincoln MKZ insurance in New Orleans streamlines rate comparisons, and it’s absolutely necessary to do this if you want to find the most affordable premium.

In order to get comparison pricing now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you duplicate the coverage information as close as possible to your current policy. Doing this assures you will receive rate comparison quotes using the exact same coverages.

The providers in the list below provide free rate quotes in New Orleans, LA. If multiple companies are listed, we suggest you get prices from several of them in order to get a fair rate comparison.

Lincoln MKZ coverage analysis

The coverage table below highlights different insurance policy prices for Lincoln MKZ models. Being aware of how insurance prices are figured can help you make decisions on the best policy coverages.

Lincoln MKZ Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $462 $820 $688 $40 $206 $2,216 $185
MKZ AWD 4-Dr Sedan $462 $820 $688 $40 $206 $2,216 $185
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific garaging location which can modify premiums substantially.

Physical damage deductibles: Should you raise them?

A question often asked by New Orleans drivers is how high should the deductibles for physical damage be. The comparison tables below outline the differences in premium rates of buying low and high insurance deductibles. The first table uses a $100 deductible for comp and collision and the second price chart 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 $452 $980 $524 $32 $158 $2,171 $181
MKZ AWD 4-Dr Sedan $452 $980 $524 $32 $158 $2,171 $181
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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 $330 $662 $524 $32 $158 $1,706 $142
MKZ AWD 4-Dr Sedan $330 $662 $524 $32 $158 $1,706 $142
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Prices do not factor in specific location which can alter price quotes greatly.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $39 more each month or $468 each year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 10 months between claims, you would save money if you elect the higher deductible.

The example below shows how different deductible levels and can raise or lower Lincoln MKZ annual premium costs for each different age category. The premiums are based on a married female driver, full coverage, and no policy discounts are applied.

Get cheaper Lincoln MKZ insurance rates in New Orleans

Some providers don’t always list all discounts very well, so here is a list some of the more common and the harder-to-find credits that you can use to lower your rates.Discount auto insurance

Consumers should know that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

The chart below illustrates the difference between Lincoln MKZ premium costs with and without discounts applied to the rates. The premiums are based on a male driver, no claims, a clean driving record, Louisiana state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, homeowner, multi-car, and claim-free discounts applied.

Popular auto insurance companies and the discounts they provide are:

When getting a coverage quote, ask every company which discounts they offer. Some credits might not be offered in your state.

Three reasons to not skimp on auto insurance

Despite the potentially high cost of Lincoln MKZ insurance, auto insurance serves an important purpose.

The benefits of insuring your MKZ are without a doubt worth the cost, especially when you need to use it. Today the average American driver is wasting up to $865 each year so it’s very important to do a rate comparison every year to be sure current rates are still competitive.

New Orleans auto insurance companies ranked

Ending up with the top car insurance company can be a challenge considering how many different insurance companies sell coverage in Louisiana. The ranking information shown below can help you pick which auto insurers to look at when comparing rate quotes.

Top 10 New Orleans Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

How to know if you need help

Always keep in mind that when comparing a policy, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.Insurance savings

These are some specific questions could help you determine whether or not you could use an agent’s help.

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Do I need a local insurance agent?

Many people would rather sit down and talk to an agent and that is recommended in a lot of cases One of the best bonuses of comparing rates online is that you can find cheap auto insurance rates but still work with a licensed agent.

Insurance agents in New OrleansTo make it easy to find an agent, after completing this simple form, the coverage information gets sent to insurance agents in New Orleans that provide free New Orleans auto insurance quotes for your coverage. It makes it easy because there is no need to drive around since price quotes are sent directly to you. You can get cheaper auto insurance rates AND an agent nearby. If you wish to get a rate quote from a specific insurance company, don’t hesitate to navigate to their website and fill out the quote form the provide.

Finding the right provider is decision based upon more than just a low price. You should also get answers to these questions.

How to choose the best car insurance agent in New Orleans

When narrowing the list to find a reliable agent, you must know there are a couple different types of agencies and how they differ in how they quote coverages. Auto insurance agencies are either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

These agents normally can only provide a single company’s rates such as State Farm, Allstate, and Farm Bureau. They generally cannot place coverage with different providers so it’s a take it or leave it situation. Exclusive agencies are highly trained on sales techniques which helps them sell insurance even at higher premiums.

Shown below are New Orleans exclusive agencies willing to provide price quotes.

229 N Genois StNew Orleans, LA 70119(504) 309-8773View Map

701 Dante St cNew Orleans, LA 70118(504) 861-2700View Map

3800 Elysian Fields AveNew Orleans, LA 70122(504) 944-4444View Map

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Independent Auto Insurance Agencies

These type of agents often have many company appointments so they can insure your vehicles through many different auto insurance companies and help determine which has the cheapest rates. If premiums increase, the agent simply finds a different carrier and the insured can keep the same agent.

When comparing auto insurance rates, you definitely need to contact a few independent agents in order to compare the most rates.

Shown below is a short list of independent insurance agents in New Orleans willing to provide rate quotes.

725 Magazine St ENew Orleans, LA 70130(504) 528-9242View Map

6003 Bullard Ave #6New Orleans, LA 70128(504) 517-8884View Map

3815 MacArthur BlvdNew Orleans, LA 70114(504) 875-4077View Map

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After getting positive feedback to your questions as well as a affordable price, it’s a good possibility that you have found an auto insurance agent that meets your needs to adequately provide auto insurance.

Information about specific coverages

Having a good grasp of a car insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many Louisiana drivers carry very low liability coverage limits (15/30/25 in Louisiana), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, hitting a deer, damage from getting keyed and fire damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible on your MKZ to bring the cost down.

Coverage for liability

This coverage protects you from injuries or damage you cause to other people or property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 15/30/25 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, medical services, legal defense fees, medical expenses and emergency aid. How much coverage you buy is your choice, but you should buy as large an amount as possible. Louisiana state law requires minimum liability limits of 15/30/25 but you should consider buying more coverage.

The illustration below shows why low liability limits may not provide you with enough coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as funeral costs, chiropractic care, doctor visits and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible