Insurance rates Lincoln MKZ in ColumbiaPricey auto insurance in Columbia can take a big chunk out of your savings account and force you to tighten up your finances. Doing a rate comparison can save money and help to make ends meet.

Remarkably, a study showed that a large majority of auto insurance policyholders renewed their policy with the same company for at least the last four years, and nearly the majority have never taken the time to shop around. Consumers in Columbia could cut their rates by approximately 55% a year by just comparing quotes, but they just don't understand how easy it is to find lower-cost rates by getting comparison quotes. Many insurance companies compete to insure your vehicles, so it can be very hard to choose a company to find the absolute lowest price on Lincoln MKZ insurance in Columbia.

Consumers should take time to check auto insurance prices before your next renewal because insurance rates change regularly. Even if you think you had the best rate on Lincoln MKZ insurance in Columbia a year ago a different company probably has better prices today. Forget anything you know (or think you know) about auto insurance because I'm going to teach you the best way to reduce your cost while increasing coverage.

The method we recommend to compare insurance rates in your area is to know most larger insurance companies pay for the opportunity to compare rate quotes. All you need to do is provide the companies a bit of rating information like deductibles desired, the make and model of your vehicles, whether you drive to work or school, and what your job is. Your details is instantly submitted to multiple companies and you get price estimates with very little delay.

To check Lincoln MKZ insurance prices now, click here and complete the quick form.

The companies in the list below provide comparison quotes in South Carolina. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.

Lincoln MKZ Insurance Rates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $298 $602 $386 $22 $116 $1,424 $119
MKZ AWD 4-Dr Sedan $142 $314 $362 $22 $108 $948 $79
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in specific Columbia garaging location which can impact premiums considerably.

Insurance premiums for males and females

The information below shows the difference between Lincoln MKZ insurance rates for male and female drivers. The premiums are based on no claims or driving violations, full coverage, $250 deductibles, drivers are single, and no policy discounts are applied.

Where to set your deductibles

A question often asked by Columbia drivers is which deductible level should you buy. The following insurance rates may aid in understanding how much more rates are when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Lincoln MKZ insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $298 $602 $386 $22 $116 $1,449 $121
MKZ AWD 4-Dr Sedan $298 $602 $386 $22 $116 $1,449 $121
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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 $242 $486 $386 $22 $116 $1,252 $104
MKZ AWD 4-Dr Sedan $242 $486 $386 $22 $116 $1,252 $104
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in specific zip code location which can modify coverage prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $17 more each month or $204 a year than choosing the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average more than 15 months between claims, you would more than likely save some money if you choose the higher deductible. Below is how we made this calculation.

Average monthly premium for $250 deductibles: $121
Average monthly premium for $500 deductibles (subtract): - $104
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Save money by taking advantage of discounts

Companies offering auto insurance don't list every available discount very well, so the list below gives a summary of a few of the more common and the harder-to-find discounts that you can inquire about if you buy Columbia car insurance online.Auto insurance discounts

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most cut individual premiums such as comprehensive or collision. Despite the appearance that it's possible to get free car insurance, it just doesn't work that way.

Companies that possibly offer many of the previously listed discounts include:

Before purchasing a policy, check with each insurance company what discounts are available to you. Some discounts listed above might not apply in Columbia. If you would like to see a list of auto insurance companies who offer online Lincoln MKZ insurance quotes in South Carolina, follow this link.

Buying the right Lincoln MKZ insurance in South Carolina is an important decision

Even though it's not necessarily cheap to insure a Lincoln in Columbia, paying for insurance serves an important purpose.

The benefits of insuring your MKZ greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in South Carolina is wasting up to $820 a year so it's recommended you shop around each time the policy renews to save money.

Auto insurance can be complex

When choosing coverage for your personal vehicles, there really isn't a cookie cutter policy. Each situation is unique.Higher deductibles save money

For instance, these questions might point out whether or not you could use an agent's help.

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It's fast, doesn't cost anything and may give you better protection.

Auto insurance is available from agents near you

Some people just want to sit down and talk to an agent and that is a personal choice. Good insurance agents can help determine the best coverages and will help you if you have claims. One of the best bonuses of comparing rate quotes online is that you can obtain better rates and still buy from a local agent.

Insurance agency in ColumbiaAfter filling out this quick form, your insurance coverage information is submitted to companies in Columbia who can give free rate quotes for your coverage. There is no need to search for any insurance agencies due to the fact that quote results will go immediately to you. If you have a need to get a comparison quote from a particular provider, just visit that company's website and submit a quote form there.

Choosing an insurer needs to be determined by more than just the bottom line cost. A good agent in Columbia will have answers to these questions.

Listed below are Columbia auto insurance companies that may be able to provide comparison quotes for Lincoln MKZ insurance in Columbia.

9300 Two Notch Rd - Columbia, SC 29223 - (803) 400-1911 - View Map

1230 Broad River Rd A - Columbia, SC 29210 - (803) 772-0137 - View Map

2718 Middleburg Dr - Columbia, SC 29204 - (803) 779-7666 - View Map

776 St Andrews Rd - Columbia, SC 29210 - (803) 772-6969 - View Map

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