Best Ways to Save on Columbus Lincoln MKS Insurance

The recommended way to get discount car insurance rates is to compare quotes annually from insurance carriers in Columbus. You can compare rates by completing these steps.

First, get an understanding of how auto insurance works and the changes you can make to prevent expensive coverage. Many things that are responsible for high rates such as your driving record and poor credit history can be remedied by making minor changes to your lifestyle. This article provides more information to get cheaper rates and get bigger discounts that may have been overlooked.

Second, compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from many different companies. Select a company

Third, compare the quotes to your current policy premium and see if you can save money. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.

The most important part of this process is that you’ll want to make sure you compare the same amount of coverage on each price quote and and to compare as many different companies as possible. This guarantees a level playing field and a thorough selection of prices.

Unimaginable but true, most consumers have stayed with the same insurance company for over three years, and nearly half have never even shopped around for affordable coverage. Most drivers in Columbus can save almost 55% each year just by getting comparison quotes, but most undervalue how much money they would save if they swap their current policy for a cheaper one.

It’s important to know that comparing all the rates in your area helps locate more affordable insurance. Some companies don’t provide online Columbus MKS insurance quotes, so you also need to get prices from the smaller companies as well.

The companies in the list below have been selected to offer price quotes in Columbus, OH. If multiple companies are shown, we suggest you get rates from several of them in order to find the most competitive rates.

Analysis of coverages

The data table shown next covers estimates of insurance costs for Lincoln MKS models. Learning how insurance policy rates are determined can help drivers make decisions on which insurance to purchase.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase rates considerably.

Comparison of policy deductibles

When shopping for car insurance, a common question is how high should the deductibles for physical damage be. The data tables below outline the differences in premium rates between high and low deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in zip code location which can change premiums noticeably.

Based on the figures above, using a $100 deductible will cost in the ballpark of $21 more each month or $252 every year than quoting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have more than 19 months between claim filings, you would come out ahead if you choose a higher deductible.

One important caveat is that raising deductibles means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. It will be required that you have enough extra money in order to pay the deductible.

The illustration below shows how choosing a deductible and can raise or lower Lincoln MKS insurance costs for each age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

Cheap Lincoln MKS insurance quotes in Columbus

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Some of these discounts will be visible at quote time, but some need to be asked for prior to getting the savings. If you check and find you aren’t receiving every discount available, you are just wasting money.

• 55 and Retired – If you’re over the age of 55, you may be able to get a small decrease in premiums.
• Good Student – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
• Bundle and Save – If you insure your home and vehicles with the same insurance company they may give you a discount of nearly 15% which can help you find the cheapest Lincoln MKS insurance in Columbus.
• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
• E-sign Discounts – A few companies give back up to $50 for buying a policy and signing up on the web.
• Discounts for Federal Employees – Active or former government employment can earn a discount up to 10% with a few auto insurance companies.
• Switch and Save Discount – Select auto insurance companies give a discount for switching policies before your current expiration date. This can save 10% or more.
• Driver Safety – Taking time to complete a driver safety course could possibly earn you a 5% discount and make you a better driver.
• One Accident Forgiven – Not necessarily a discount, but some insurance companies allow you one accident without raising rates so long as you are claim-free before the accident.

As a footnote on discounts, some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

The illustration below visualizes the comparison of Lincoln MKS insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no claims, a clean driving record, Ohio state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, homeowner, safe-driver, and multi-policy discounts applied.

A list of companies and a selection of discounts are included below.

• GEICO may include discounts for federal employee, driver training, multi-vehicle, five-year accident-free, membership and employees, defensive driver, and daytime running lights.
• Travelers offers discounts including payment discounts, new car, student away at school, driver training, multi-policy, and good student.
• Farm Bureau discounts include safe driver, youthful driver, 55 and retired, renewal discount, driver training, multi-policy, and multi-vehicle.
• Liberty Mutual may offer discounts for new move discount, newly married, good student, hybrid vehicle, safety features, newly retired, and teen driver discount.
• American Family has savings for mySafetyValet, bundled insurance, defensive driver, good driver, multi-vehicle, good student, and Steer into Savings.
• Progressive includes discounts for multi-policy, online quote discount, homeowner, multi-vehicle, continuous coverage, and good student.

Double check with each insurance company to give you their best rates. Some credits may not apply to policyholders in Columbus.

Three reasons to insure your Lincoln vehicle

Even though it can be expensive, buying insurance is mandatory in Ohio but it also protects more than you think.

• Almost all states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Lincoln MKS, more than likely the lender will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank will be required to insure your Lincoln at an extremely high rate and require you to pay much more than you were paying before.
• Insurance protects your car and your assets. It will also reimburse you for many types of medical costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If your car is damaged in a storm or accident, your insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver overpays more than $820 a year so smart consumers compare quotes once a year at a minimum to ensure rates are inline.

Car insurance can get complicated

When selecting a policy, there really is not a perfect coverage plan. Everyone’s situation is a little different and your car insurance should unique, too.
Here are some questions about coverages that can aid in determining whether you might need professional guidance.

• Do I need PIP (personal injury protection) coverage in Ohio?
• Is my business laptop covered if it gets stolen from my vehicle?
• What is an adequate liability insurance limit?
• Can my babysitter drive my car?
• Is my cargo covered for damage or theft?
• If I drive on a suspended license am I covered?
• What companies insure drivers after a DUI or DWI?
• When should I remove my kid from my policy?
• Is other people’s property covered if stolen from my vehicle?
• Am I getting all the discounts available?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Buying auto insurance from Columbus insurance agencies

Many people just want to get professional advice from a licensed agent and that is not a bad decision The biggest benefit of getting online price quotes is the fact that you can find lower rates and still choose a local agent. Buying from local insurance agents is important especially in Columbus.

Upon completion of this quick form, the quote information is emailed to local insurance agents who will return price quotes for your insurance coverage. There is no need to search for an agent since rate quotes are delivered to you directly. You can find the lowest rates without a big time investment. If for some reason you want to get a rate quote from a specific auto insurance provider, you can always visit that company’s website and fill out their quote form.

Pick the best auto insurance agent in Columbus for you

When searching for a reliable insurance agency, you need to know there are two different types of agencies and how they can quote your rates. Insurance agencies in Columbus are categorized either independent agents or exclusive agents.

Independent Auto Insurance Agencies or Brokers

Agents in the independent channel are not locked into one company so they have the ability to put coverage with multiple insurance companies and find you the best rates. If prices rise, they simply move the coverage in-house and you won’t have to switch agencies.

If you are comparing auto insurance prices, you definitely need to get some free quotes from a few independent agents for the best price selection.

Listed below are Columbus independent agents that may be able to give pricing information.

View more Columbus agents

Exclusive Agencies

Agents that choose to be exclusive can only place business with one company such as AAA, Allstate, and State Farm. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. Exclusive agents are well trained on their products and sales techniques and that allows them to sell at a higher price point.

The following are Columbus exclusive insurance agents who can help you get comparison quotes.

View more Columbus agents

Choosing the best car insurance agent is decision based upon more than just the price. Here are some questions to ask:

• Do they get extra compensation for selling add-on coverages?
• Do they feel the quoted coverages are adequate?
• Are they giving you every discount you deserve?
• Which family members are covered?
• If independent agents, which companies do they recommend?
• Can glass claims be handled at your home?
• Is vehicle damage repaired with OEM or aftermarket parts?