If you want to find the absolute lowest rates, then the best way to find lower priced Lincoln MKZ insurance is to start comparing rates regularly from insurers that sell auto insurance in Oakland.
- Read about how insurance works and the modifications you can make to lower rates. Many things that result in higher rates like traffic citations and a substandard credit history can be remedied by making lifestyle changes or driving safer.
- Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or State Farm, while independent agents can quote prices for a wide range of insurance providers.
- Compare the price quotes to your existing rates to see if a cheaper price is available. If you can save some money, ensure coverage does not lapse between policies.
- Provide proper notification to your current company of your intent to cancel the current policy. Submit a down payment along with a completed application for your new coverage. Make sure you keep the new certificate verifying proof of insurance along with the vehicle’s registration papers.
A crucial key to this process is to try to use the same liability limits and deductibles on every quote request and and to analyze as many carriers as you can. This enables an accurate price comparison and plenty of rates choose from.
Inconceivable but true, the vast majority of drivers have bought car insurance from the same company for well over three years, and 38% of customers have never compared rate quotes at all. California insurance shoppers can save up to 35% each year just by comparing rates, but they won’t spend time to compare rates.
If you currently have a car insurance policy, you will surely be able to reduce premiums using the ideas presented in this article. Quoting and comparing rates for the lowest-priced insurance in Oakland is not as hard as you think. But California vehicle owners must learn how insurance companies calculate their prices because rates are impacted by many factors.
Companies offering Lincoln MKZ insurance in California
The companies in the list below are ready to provide price comparisons in California. To buy the best cheap auto insurance in Oakland, CA, we recommend you visit several of them to get the lowest price.
Facts and figures for Lincoln MKZ insurance
The coverage table shown below highlights detailed analysis of insurance coverage prices for Lincoln MKZ models. Understanding how insurance policy rates are established can be valuable 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 | $216 | $452 | $514 | $30 | $154 | $1,366 | $114 |
| MKZ AWD 4-Dr Sedan | $216 | $452 | $514 | $30 | $154 | $1,366 | $114 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in garaging location in Oakland which can impact price quotes substantially.
Analysis of deductible levels
One frequently asked question is what deductibles to buy. The rates below may help to conceptualize the costs and benefits when you select higher and lower comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| MKZ AWD 4-Dr Sedan | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| MKZ AWD 4-Dr Sedan | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can affect premiums considerably.
Using the data above, we can ascertain that using a $250 deductible will cost you roughly $39 more each month or $468 every year than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 19 months between claims, you would save money going with the higher deductible.
Get cheaper Lincoln MKZ insurance rates in Oakland
The price of auto insurance can be rather high, but there’s a good chance there are discounts that you may not even know about. A few discounts will automatically apply at the time of purchase, but some discounts are required to be requested specifically prior to receiving the credit.
- Save with a New Car – Adding a new car to your policy may earn a small discount since newer models have better safety ratings.
- Good Drivers – Insureds who avoid accidents can save up to 40% or more on their Oakland auto insurance quote than their less cautious counterparts.
- Distant Student Discount – Youth drivers living away from Oakland attending college and do not have a car could get you a discount.
- Telematics Discount – Insureds that choose to allow data collection to monitor driving manner by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as they are good drivers.
- Low Miles Discount – Keeping the miles down on your Lincoln could be rewarded with slightly better premium rates than normal.
- Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you may reduce your total bill.
- Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
- Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in high school.
As is typical with insurance, many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you could get a free insurance policy, companies wouldn’t make money that way.
The diagram below compares Lincoln MKZ premium costs with and without discounts applied to the policy rates. The costs are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-car, claim-free, and multi-policy discounts applied.
A list of insurance companies and their possible discounts can be found below.
- State Farm includes discounts for accident-free, multiple autos, student away at school, passive restraint, and good student.
- American Family offers premium reductions for air bags, accident-free, good student, early bird, and bundled insurance.
- GEICO may have discounts that include military active duty, anti-theft, seat belt use, good student, emergency military deployment, and multi-policy.
- 21st Century has savings for homeowners, defensive driver, anti-lock brakes, teen driver, theft prevention, good student, and air bags.
- Progressive discounts include multi-policy, homeowner, online quote discount, continuous coverage, online signing, and multi-vehicle.
If you are trying to find cheaper Oakland auto insurance quotes, ask every company what discounts are available to you. A few discounts might not be offered in your state. To find providers with discount rates in California, follow this link.
Buying from car insurance agents
A lot of people just prefer to sit down and talk to an agent and we recommend doing that The best thing about comparing rates online is that you can find cheap car insurance rates and still have an agent to talk to. And providing support for local insurance agents is especially important in Oakland.
Once you complete this quick form, the quote information is sent to participating agents in Oakland who will give you bids for your insurance coverage. There is no reason to leave your house because prices are sent to you directly. You can find lower rates AND an agent nearby. In the event you want to compare rates from a particular provider, you can always visit that company’s website and submit a quote form there.
If you’re trying to find local Oakland agents, you need to know there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Oakland are classified as either exclusive or independent.
Independent Agents (or Brokers)
Agents in the independent channel are normally appointed by many insurers so they can write business with any number of different companies and get the cheapest rates. If they find a cheaper price, your agent can switch companies and you don’t have to switch agencies. When comparing car insurance prices, we recommend you get several quotes from at a minimum one independent agency in order to have the best price comparison. Most have the option of insuring with companies that do not advertise much who may have lower rates.
Listed below is a list of independent insurance agencies in Oakland that may be able to give free rate quotes.
- Travel Insurance Agency
610 16th St #508 – Oakland, CA 94612 – (510) 452-3366 – View Map - On My Way Insurance
320 10th St – Oakland, CA 94607 – (510) 893-3298 – View Map - Susan Bernosky – Strahan Ins Services Inc
5940 College Ave a – Oakland, CA 94618 – (510) 450-9051 – View Map
Exclusive Insurance Agencies
Exclusive agents have only one company to place business with such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive agents receive a lot of sales training on their products and sales techniques and that enables them to sell even at higher rates. Some insured continue to purchase coverage from exclusives partially due to the brand legacy and solid financial strength.
Below is a short list of exclusive agencies in Oakland that can give you rate quotes.
- Farmers Insurance – Jimmie Oliver
1800 55th Ave – Oakland, CA 94621 – (510) 517-7663 – View Map - Farmers Insurance: Man Kin Lau
638 Webster St #200a – Oakland, CA 94607 – (510) 282-7996 – View Map - Jain Williams – State Farm Insurance Agent
4222 MacArthur Blvd – Oakland, CA 94619 – (510) 530-3222 – View Map
Finding a good car insurance agent is decision based upon more than just a cheap price. The following questions are important to ask.
- Do they offer accident forgiveness?
- How is replacement cost determined on your vehicle?
- Does the agency have a positive business rating?
- Is the agency active in community causes in Oakland?
- Do they see any coverage gaps in your plan?
- Do they get paid more for recommending certain coverages?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
A little work can save a LOT of money
Some insurance companies may not provide online quoting and these regional carriers prefer to sell through independent agencies. Cheaper insurance in Oakland can be purchased both online in addition to many Oakland insurance agents, and you need to comparison shop both to have the best chance of lowering rates.
Insureds who switch companies do it for any number of reasons including high rates after DUI convictions, questionable increases in premium, not issuing a premium refund or even delays in responding to claim requests. No matter why you want to switch, choosing a new company is not as difficult as it may seem.
As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.
Other articles
- Learn About Car Insurance (GEICO)
- How Much is Oakland Car Insurance for 18 Year Olds? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Dodge Ram in Oakland? (FAQ)
- Who Has Affordable Oakland Auto Insurance for Drivers Over Age 60? (FAQ)
- Who Has Affordable Oakland Car Insurance Rates for Uber Drivers? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)