Searching for more competitive Lincoln MKS insurance in Riverside? Finding low cost Lincoln MKS insurance in Riverside may be frustrating for beginners to comparing prices online. With such a large choice of insurers available, it can quickly become a ton of work to locate the lowest price in California.
It’s hard to believe, but the vast majority of consumers have bought car insurance from the same company for at least four years, and about 40% of consumers have never quoted rates to find cheaper coverage. Drivers in California can save about $469 each year by just shopping around, but most undervalue the amount of savings they would get if they switched to a more affordable policy.
Locating the best insurance company for you in Riverside is actually very simple if you learn how to start. Nearly anyone who needs lower cost car insurance will find a lower-cost company. But California vehicle owners should learn the way companies compete online because it varies considerably.
Most companies allow you to get insurance quotes on their websites. This process is quite easy as you simply enter the coverages you want into the quote form. Once entered, their rating system gets your credit score and driving record and returns a price based on these factors.
This simplifies rate comparisons, and it’s necessary to get many rate quotes if you want to get the most affordable insurance rates.
If you want to find out how much you can save on insurance, compare rates now from the companies shown below. If you currently have coverage, we recommend that you enter the insurance coverages as shown on your current policy. Doing this assures you will receive rate comparison quotes based on identical coverages.
The companies shown below offer price comparisons in Riverside, CA. If several companies are displayed, we recommend you visit several of them in order to get a fair rate comparison.
Rates and data analysis
The price information shown below highlights a range of insurance costs for Lincoln MKS models. Understanding how insurance rates are formulated can benefit drivers when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKS AWD 4-Dr Sedan | $258 | $482 | $384 | $22 | $114 | $1,260 | $105 |
| MKS 4-Dr Sedan | $258 | $482 | $384 | $22 | $114 | $1,260 | $105 |
| MKS Ecoboost AWD 4-Dr Sedan | $284 | $544 | $384 | $22 | $114 | $1,348 | $112 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in your specific Riverside location which can affect prices considerably.
Rate comparison for different deductibles
One common question asked by Riverside drivers is how high should the physical damage deductibles be. The rates shown below may help to illustrate the rate differences when you buy lower versus higher deductibles. The first set of prices uses a $250 physical damage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKS AWD 4-Dr Sedan | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| MKS 4-Dr Sedan | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| MKS Ecoboost AWD 4-Dr Sedan | $474 | $882 | $376 | $22 | $112 | $1,891 | $158 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKS AWD 4-Dr Sedan | $348 | $630 | $376 | $22 | $112 | $1,488 | $124 |
| MKS 4-Dr Sedan | $348 | $630 | $376 | $22 | $112 | $1,488 | $124 |
| MKS Ecoboost AWD 4-Dr Sedan | $384 | $712 | $376 | $22 | $112 | $1,606 | $134 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in Riverside location which can change prices noticeably.
Based on the figures above, using a $250 deductible costs an average of $22 more each month or $264 annually than selecting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have more than 11 months between claims, you would probably save some money if you elect the higher deductible.
Illustration showing the impact of accidents and violations
The chart below illustrates how violations and fender-benders influence Lincoln MKS car insurance costs for different age groups of insureds. The prices are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Protect your Lincoln MKS and other assets
Even though it can be expensive, car insurance is mandatory in California but it also protects more than you think.
- Almost all states have mandatory insurance requirements which means the state requires specific limits of liability protection 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 vehicle has a lienholder, it’s guaranteed your bank will make it a condition of the loan that you carry insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Lincoln for a lot more money and make you pay for the much more expensive policy.
- Car insurance preserves both your car and your assets. It will also cover many types of medical costs incurred in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying car insurance outweigh the cost, particularly for liability claims. As of last year, the average driver in California is overpaying more than $800 each year so smart consumers compare quotes at every policy renewal to ensure rates are inline.
Find More Affordable Insurance with These Tips
Multiple criteria are part of the equation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are more obscure like your continuous coverage and annual miles driven.
The factors shown below are some of the factors used by your company to calculate your rates.
Never go without insurance – Having an insurance coverage lapse will be a fast way to pay more for insurance. Not only will rates go up, not being able to provide proof of insurance can result in a license revocation or jail time.
Too many insurance claims will drive premiums up – If you tend to file frequent claims, you can look forward to increased rates or even have your policy non-renewed. Car insurance companies in California provide the lowest premiums to insureds who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of claims that pose a financial burden.
Eliminate unneeded add-on coverages – Policies have extra add-on coverages that can waste your money when buying insurance. Insurance for things like personal injury protection, high-cost glass coverage, and Farm Bureau memberships are examples of these. They may seem like a good idea at first, but if you have no use for them remove them and pocket the money.
Teenagers are high risk – Older people are more cautious drivers, cost insurance companies less in claims, and are generally more financially stable. Drivers with little experience tend to be easily distracted when at the wheel of a vehicle so they pay higher insurance rates.
The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Lincoln MKS insurance loss probability – Insurance companies use data from past claims to calculate a price that will offset any claims. Vehicles that the data shows to have increased losses will cost more to insure. The table below illustrates the historical insurance loss data for Lincoln MKS vehicles.
For each coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, equals 100. Values below 100 suggest losses that are better than average, while percentages above 100 indicate more frequent claims or tendency to have larger claims.
| Specific Lincoln Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Lincoln MKS 4dr 2WD | 121 | 90 | 140 | 78 | 103 | |
| Lincoln MKS 4dr 4WD | 135 | 89 | 204 | 89 | ||
| Lincoln MKS Ecoboost 4dr 4WD | 139 | 93 | 153 | 87 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
You are unique and your auto insurance should be too
When it comes to choosing your policy for your personal vehicles, there really isn’t a cookie cutter policy. Everyone’s situation is a little different.
For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.
- Am I covered while delivering pizza?
- What is glass protection for?
- Is borrowed equipment or tools covered if stolen or damaged?
- Am I covered when delivering products for my home-based business?
- What companies insure drivers after a DUI or DWI?
- Am I covered if my car is in a flood?
- Am I covered if hit by an uninsured driver?
- Will I be non-renewed for getting a DUI or other conviction?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.
What is the best auto insurance company in California?
Buying coverage from the top insurer can be a challenge considering how many different companies sell coverage in Riverside. The company rank data displayed below could help you decide which coverage providers you want to consider when shopping around.
Top 10 Riverside Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Riverside 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
Find cheap rates by being thorough
When getting Riverside auto insurance quotes online, don’t be tempted to skimp on coverage in order to save money. There have been many situations where an accident victim reduced collision coverage only to regret at claim time that it was a big mistake. Your objective should be to buy the best coverage you can find for the lowest cost while still protecting your assets.
Some insurance companies do not offer internet price quotes and usually these small insurance companies only sell coverage through independent agencies. Affordable Lincoln MKS insurance in Riverside can be sourced on the web and from local insurance agents, and you need to comparison shop both to get a complete price analysis.
You just read a lot of information how to get a better price on Lincoln MKS insurance in Riverside. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.
Steps to finding low-cost Lincoln MKS insurance in Riverside
The best way we recommend to get discount car insurance rates in Riverside is to start comparing rates regularly from different companies in California. Rate comparisons can be done by following these steps.
- Spend a few minutes and learn about how insurance works and the modifications you can make to keep rates down. Many risk factors that increase rates like distracted driving and a not-so-good credit score can be improved by making lifestyle changes or driving safer.
- Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple companies.
- Compare the price quotes to your existing rates to determine if switching companies saves money. If you find a lower rate, ensure there is no coverage lapse between policies.
A good piece of advice is to make sure you’re comparing the same liability limits and deductibles on every quote request and and to get price estimates from every insurance company. This guarantees a fair price comparison and a better comparison of the market.
More detailed car insurance information is located in these articles:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has the Cheapest Riverside Auto Insurance for Drivers Under 21? (FAQ)
- Who Has Affordable Auto Insurance for a Toyota Highlander in Riverside? (FAQ)
- How Much are Auto Insurance Rates for College Students in Riverside? (FAQ)
- Who Has Affordable Auto Insurance for Unemployed Drivers in Riverside? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Your Car has been Stolen: Now What? (Allstate)