If your goal is the lowest price, then the best way to get cheaper Lincoln MKZ insurance is to regularly compare price quotes from insurers who can sell car insurance in Stockton.
- Spend some time learning about how companies set rates and the modifications you can make to keep rates low. Many factors that cause high rates such as at-fault accidents, speeding tickets, and a not-so-good credit score can be amended by paying attention to minor details.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while independent agents can give you price quotes from many different companies.
- Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
- Provide notification to your current company of your decision to cancel your current policy and submit a completed policy application and payment to your new agent or company. As soon as you can, keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
An important bit of advice to remember is to make sure you enter the same amount of coverage on each quote and and to analyze all possible companies. This provides an apples-to-apples comparison and many rates to choose from.
Remarkably, a study showed that almost 70% of insureds have bought auto insurance from the same company for at least four years, and approximately 38% of consumers have never quoted rates to find cheaper coverage. Drivers in California could save $470 each year by just shopping around, but they just don’t understand the big savings they would realize if they bought a different policy.
The quickest way to compare policy rates for Lincoln MKZ insurance in Stockton is to know most of the bigger providers provide online access to give rate comparisons. The one thing you need to do is provide details like whether you are single or married, how much education you have, your credit rating estimate, and the year, make and model of vehicles. Your insurance information is instantly submitted to insurance carriers in your area and you should receive rate quotes instantly.
To start a quote now, click here then complete the form.
The companies in the list below are ready to provide comparison quotes in California. If more than one company is shown, we suggest you get price quotes from several of them to get the lowest price.
Why you need insurance for your Lincoln MKZ
Even though Stockton MKZ insurance rates can get expensive, buying insurance serves several important purposes.
- Just about all states have compulsory liability insurance requirements which means state laws require a specific level of liability insurance coverage if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Lincoln MKZ has a lienholder, it’s most likely the lender will require that you buy full coverage to guarantee loan repayment. If you default on your policy, the bank or lender will purchase a policy for your Lincoln at a much higher premium rate and require you to fork over the higher premium.
- Insurance preserves your Lincoln MKZ and your assets. It also can pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of buying insurance more than offset the price you pay, especially with large liability claims. Today the average American driver overpays as much as $820 a year so it’s important to compare rates at every policy renewal to make sure the price is not too high.
Rates and detailed analysis
The rate information displayed below outlines different prices for Lincoln MKZ models. Learning more about how rate quotes are determined can be useful when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $428 | $960 | $674 | $40 | $202 | $2,304 | $192 |
| MKZ AWD 4-Dr Sedan | $428 | $960 | $674 | $40 | $202 | $2,304 | $192 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can change prices considerably.
The chart below highlights how deductible choice and can affect Lincoln MKZ premium costs for each age group. The data assumes a single male driver, full physical damage coverage, and no discounts are factored in.
Impact of violations and accidents on rates in Stockton
The example below illustrates how speeding tickets and at-fault collisions can drive up Lincoln MKZ insurance costs for each different age category. The premiums are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Premiums by gender and age
The diagram below illustrates the difference between Lincoln MKZ car insurance rates for male and female drivers. The premiums are based on no violations or accidents, comp and collision included, $500 deductibles, single marital status, and no additional discounts are factored in.
Cost of full coverage in Stockton
The diagram below illustrates the difference between Lincoln MKZ insurance prices when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no other discounts are factored in.
When to switch to liability coverage only
There is no written rule of when to stop paying for physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Lincoln MKZ book value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after paying the physical damage deductible. If you are paying in excess of $700 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some scenarios where only buying liability is not in your best interest. If you still have a loan on your vehicle, you have to keep 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 maintain full coverage.
Reduce your car insurance rates with discounts
The price of auto insurance can be rather high, but there could be available discounts that could help you make your next renewal payment. Certain reductions will be credited when you get a quote, but once in a while a discount must be manually applied prior to receiving the credit. If you don’t get every credit available, you could be getting lower rates.
- Waiver for an Accident – This one is not really a discount per se, but certain companies permit an accident without raising rates if you are claim-free for a set time period.
- Switch and Save Discount – Some larger companies provide a discount for renewing your policy before your current expiration date. It can save you around 10%.
- Good Student Discount – Performing well in school could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
- Telematics Devices – Drivers who elect to allow driving data submission to scrutinize vehicle usage by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as the data is positive.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings up to 30%.
- Anti-lock Brakes – Vehicles that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.
- E-sign Discounts – A handful of insurance companies will give a small break just for signing your application over the internet.
- Buy New and Save – Insuring a vehicle that is new can get you a discount since new vehicles have better safety ratings.
- Active Military Service – Being deployed in the military could trigger a small discount.
- Professional Organizations – Belonging to qualifying employment or professional organizations could trigger savings when getting a Stockton car insurance quote.
A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, companies don’t profit that way.
The example below illustrates the difference between Lincoln MKZ auto insurance costs with and without policy discounts. The data is based on a female driver, no violations or claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, homeowner, and claim-free discounts applied.
A partial list of companies that have most of the discounts above include:
When getting a coverage quote, ask every prospective company which credits you are entitled to. Depending on the company, some discounts may not apply to policyholders in Stockton.
What is the best auto insurance company in Stockton?
Insuring your vehicle with a good quality insurance provider can be challenging considering how many choices there are in California. The information shown next can help you analyze which coverage providers to look at when comparing rate quotes.
Top 10 Stockton Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Stockton Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family