Affordable Insurance for a Lincoln MKZ in Jersey City

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It's amazing but the vast majority of consumers renewed their policy with the same company for a minimum of four years, and approximately 40% of consumers have never even compared quotes to find cheap rates. Jersey City consumers could save almost 40% every year just by comparing rates, but they mistakenly think it's difficult to save money by comparing rate quotes.

Discount Lincoln MKZ insuranceIf you want to save the most money, the best way to get low-cost Lincoln MKZ insurance in Jersey City is to start doing an annual price comparison from providers that insure vehicles in New Jersey. Price quotes can be compared by following these steps.

  1. Take a few minutes and learn about coverages and the modifications you can make to prevent expensive coverage. Many rating criteria that result in higher rates like speeding tickets, careless driving and a less-than-favorable credit history can be remedied by making minor changes to your lifestyle. Read the full article for additional ideas to help reduce prices and get additional discounts that may have been overlooked.
  2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide prices from many different companies.
  3. Compare the new quotes to your existing policy and see if you can save money. If you find a lower rate and decide to switch, make sure there is no coverage gap between policies.
  4. Give proper notification to your current agent or company of your intention to cancel your existing policy. Submit payment and a signed application to the new company. Once received, store the proof of insurance paperwork with your vehicle's registration.

A good tip to remember is that you'll want to make sure you compare the same deductibles and limits on each price quote and and to get price estimates from as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and many rates to choose from.

If you are insured now or are looking for a new policy, you can follow these tips to find better prices and possibly find even better coverage. Locating the best rates in Jersey City can initially seem challenging. Vehicle owners just have to know the tricks to compare company rates online from multiple companies.

Cheapest car insurance in Jersey City, NJ

The companies in the list below offer free quotes in Jersey City, NJ. If your goal is to find cheaper auto insurance in Jersey City, we recommend you visit two to three different companies to find the cheapest car insurance rates.

Coverage statistics and figures

The data table below outlines detailed analysis of coverage prices for Lincoln MKZ models. Being aware of how auto insurance prices are formulated is important for you to make informed decisions.

Lincoln MKZ Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $360 $874 $614 $36 $184 $2,068 $172
MKZ AWD 4-Dr Sedan $360 $874 $614 $36 $184 $2,068 $172
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in zip code location which can raise or lower auto insurance rates noticeably.

Where to set your deductibles

When buying car insurance, a common question is how low should you set your deductibles. The tables below help summarize the costs and benefits of buying low and high policy deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Lincoln MKZ insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $466 $1014 $544 $32 $162 $2,243 $187
MKZ AWD 4-Dr Sedan $466 $1014 $544 $32 $162 $2,243 $187
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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 $340 $684 $544 $32 $162 $1,762 $147
MKZ AWD 4-Dr Sedan $340 $684 $544 $32 $162 $1,762 $147
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in vehicle location which can impact coverage rates greatly.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $40 more each month or $480 annually than quoting the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 10 months between claims, you would probably be better off by selecting a higher deductible.

Lincoln MKZ Insurance Cost Factors

Lots of factors are part of the equation when quoting car insurance. Some are pretty understandable like an MVR report, but others are not quite as obvious such as whether you are married or your commute time.

  • Defend yourself with liability - Your policy's liability coverage provides coverage when you are ruled to be at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so do not skimp.
  • Save by driving less - The more you drive your Lincoln every year the more it will cost to insure it. Most insurance companies calculate prices based upon how you use the vehicle. Cars not used for work or commuting receive better premium rates than vehicles that are driven to work every day. Verify your insurance coverage reflects the correct driver usage, because improper ratings can cost you money. Incorrect rating for your MKZ can result in significantly higher rates.
  • Employer can influence premiums - Did you know your job can affect your rates? Occupational choices like military generals, social workers, and dentists usually pay higher average rates due to intense work situations and lengthy work days. Other jobs such as scientists, athletes and retirees get better rates.
  • Do safer cars cost less to insure? - Safe vehicles tend to have lower insurance rates. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims and lower rates for you. If your Lincoln is rated at least four stars on it may cost less to insure.
  • Lower rates with alarm systems - Choosing to buy a car that has a built-in theft deterrent system can earn a premium discount. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft.
  • How old are your drivers? - Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and tend to be get fewer driving tickets. Young drivers are proven to be more careless when behind the wheel so they pay higher insurance rates.

    The data below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Insurance loss statistics a Lincoln MKZ - Auto insurance companies include the past claim trends for vehicles in order to profitably underwrite each model. Models that have increased losses will be charged more to insure.

    The data below shows the compiled insurance loss statistics for Lincoln MKZ vehicles. For each coverage type, the claim probability for all vehicles, regardless of make or model, is equal to 100. Numbers shown that are under 100 indicate a favorable loss history, while percentages above 100 show a trend for more claims or an increased probability of a larger loss.

    Insurance Loss Ratings for Lincoln MKZ Vehicles
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Lincoln MKZ 4dr 2WD 137 85 107 95 89 75
    Lincoln MKZ 4dr 4WD 140 82 126 99
    Lincoln MKZ Hybrid 4dr 148 84 100 74 82 76

    Empty fields indicate not enough data collected
    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance policy discounts you can't miss

Companies offering auto insurance don't always publicize every discount available very well, so here is a list both well-publicized and the harder-to-find credits that may apply to you.Cheaper car insurance with discounts

  • Save with a New Car - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Safety Restraint Discount - Drivers who require all occupants to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Discounts for Good Drivers - Safe drivers can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
  • Senior Discount - Seniors could receive a small discount on rates.
  • Accident-Free Discounts - Drivers who don't have accidents pay less as compared to accident-prone drivers.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Club Memberships - Joining qualifying clubs or civic groups can get you a small discount on car insurance.
  • Early Renewal Discounts - Some larger companies provide a discount for switching to them before your current coverage expires. You could save around 10% when you buy Jersey City auto insurance online.
  • Discount for Home Ownership - Being a homeowner can get you a discount since home ownership is proof of financial responsibility.

As is typical with insurance, some of the credits will not apply to the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, nobody gets a free ride.

The information below illustrates the comparison of Lincoln MKZ car insurance costs with and without discounts. Data assumes a female driver, no driving violations, no at-fault accidents, New Jersey state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, claim-free, homeowner, and safe-driver discounts applied.

A few of the larger companies and some of their more popular discounts are outlined below.

  • GEICO offers premium reductions for good student, daytime running lights, multi-policy, driver training, membership and employees, five-year accident-free, and anti-theft.
  • Auto-Owners Insurance has savings for anti-theft, mature driver, student away at school, multi-policy, and safe driver.
  • American Family has discounts for good driver, bundled insurance, early bird, air bags, good student, and multi-vehicle.
  • Esurance discounts include safety device, DriveSense, emergency road assistance, homeowner, defensive driver, and online shopper.
  • Progressive policyholders can earn discounts including online quote discount, multi-policy, homeowner, multi-vehicle, and continuous coverage.
  • State Farm includes discounts for Drive Safe & Save, defensive driving training, anti-theft, good driver, and multiple autos.
  • AAA may have discounts that include good driver, anti-theft, AAA membership discount, good student, education and occupation, and multi-car.

When comparing rates, check with each company which credits you are entitled to. A few discounts may not apply to policyholders in Jersey City. To choose car insurance companies that offer some of these discounts in Jersey City, click here to view.

Insurance agents are professional risk managers

Many drivers just prefer to go talk to an agent and that is a smart decision Insurance agents are highly skilled in risk management and help in the event of a claim. An additional benefit of getting online price quotes is that you can obtain cheap car insurance rates and still buy from a local agent.

Find insurance agent in Jersey CityUpon completion of this short form, your coverage information is immediately sent to local insurance agents in Jersey City that can give you free Jersey City auto insurance quotes for your business. You won't even need to leave your computer because prices are sent to your email. In the event you want to get a rate quote from one company in particular, feel free to navigate to their website and give them your coverage information.

Deciding on an insurance company should depend on more than just a cheap price. Here are some questions you might want to ask.

  • Does the company have a solid financial rating?
  • Do they have 24-hour customer assistance?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Do they specialize in personal lines auto insurance in Jersey City?
  • Is insurance their full-time profession?
  • How long has their agency been in business in Jersey City?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

Pick the best auto insurance agent in Jersey City for you

When searching for a good Jersey City insurance agent, you need to know there are two different agency structures that you can select. Agents in Jersey City can be categorized as either independent (non-exclusive) or exclusive. Both types can handle car insurance, but it's worth learning the subtle differences since it can affect the kind of agent you use.

Exclusive Agents

Exclusive insurance agents write business for a single company such as American Family, State Farm, and Allstate. They usually cannot provide other company's prices so it's a take it or leave it situation. Exclusive agents receive a lot of sales training on their products and sales techniques which helps them sell insurance even at higher premiums.

Listed below is a short list of exclusive agents in Jersey City willing to provide comparison quotes.

1755 John F. Kennedy Blvd - Jersey City, NJ 07305 - (201) 332-3344 - View Map

86 NJ-35 - Neptune City, NJ 07753 - (732) 776-9999 - View Map

688 NJ-440 - Jersey City, NJ 07305 - (201) 209-0290 - View Map

View more Jersey City agents

Independent Car Insurance Agents

Independent insurance agents are not restricted to one company so as a result can place your coverage with any number of different companies and find the cheapest car insurance rates. If your agent finds better pricing, your agent can just switch to a different company and you don't have to switch agencies.

When searching for an agent, it's a good idea to check rates from at least one independent agent in order to compare the most rates.

Below is a short list of independent agencies in Jersey City that can give you rate quotes.

Preferred Choice Insurance Agency
225 Newark Ave - Jersey City, NJ 07302 - (201) 616-7644 - View Map

All Insurance Services Inc
574 Newark Ave - Jersey City, NJ 07306 - (201) 963-8888 - View Map

Wexford Insurance
45 Laidlaw Ave - Jersey City, NJ 07306 - (201) 659-6050 - View Map

View more Jersey City agents

If you receive positive feedback for all questions you ask as well as offering an affordable quote, chances are good that you have found a car insurance agent that meets your needs to properly insure your vehicles.

Which is the best car insurance?

Keep in mind that when it comes to choosing the right insurance coverage, there really is no one-size-fits-all type of policy. Your financial needs are unique.Car insurance savings

For instance, these questions may help highlight if you might need professional guidance.

  • How much liability insurance is required?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage if I rent a car in Mexico?
  • When can my company non-renew my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • What are the financial responsibility laws in my state?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don't have a local agent, simply complete this short form. It's fast, doesn't cost anything and you can get the answers you need.

Don't give up on cheap rates

Some companies do not offer the ability to get quotes online and most of the time these regional carriers work with independent agents. Lower-priced car insurance in Jersey City can be bought on the web and from local agencies, so you need to compare both in order to have the best chance of saving money.

When getting Jersey City auto insurance quotes online, it's not a good idea to reduce needed coverages to save money. There have been many situations where an insured cut uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

We just presented many ways to lower your Lincoln MKZ insurance premium rates in Jersey City. It's most important to understand that the more you quote Jersey City auto insurance, the better your comparison will be. Drivers may even discover the lowest premium rates are with a lesser-known regional company.

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