Searching for more affordable insurance rates in Fort Worth, TX? Fort Worth consumers have many options when looking for low-cost Lincoln MKT insurance. You can either spend your time contacting agents to get rate comparisons or utilize the internet to make rate comparisons. There are both good and bad ways to buy insurance so you’re going to learn the quickest way to quote coverages for a new or used Lincoln and obtain the lowest possible price either online or from Fort Worth insurance agents.
It’s a good idea to price shop coverage before your next renewal because insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest quotes on Lincoln MKT insurance in Fort Worth at your last renewal you may be paying too much now. There are lots of tips to save on MKT insurance out there, but I’m going to show you some great ideas on how to quit paying high insurance rates in Fort Worth.
Cheapest Lincoln insurance rates in Fort Worth
The following companies offer free quotes in Fort Worth, TX. If the list has multiple companies, we recommend you click on several of them to get the cheapest price.
Analysis of Lincoln MKT rates
The coverage information below outlines different prices for Lincoln MKT models. Having a good understanding how car insurance prices are formulated can be of help when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKT 3.7 2WD | $300 | $472 | $430 | $26 | $128 | $1,356 | $113 |
| MKT 3.7 AWD | $332 | $542 | $430 | $26 | $128 | $1,458 | $122 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in specific Fort Worth garaging location which can decrease or increase coverage prices significantly.
How high should deductibles be?
One frequently asked question is which comprehensive and collision deductibles to buy. The figures shown below can help you visualize the price difference between high and low physical damage deductibles. The first data set uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKT 3.7 2WD | $412 | $698 | $430 | $26 | $128 | $1,719 | $143 |
| MKT 3.7 AWD | $454 | $804 | $430 | $26 | $128 | $1,867 | $156 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKT 3.7 2WD | $228 | $368 | $430 | $26 | $128 | $1,180 | $98 |
| MKT 3.7 AWD | $252 | $424 | $430 | $26 | $128 | $1,260 | $105 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Table data does not factor in specific garaging location which can modify prices considerably.
Based on the figures above, using a $100 deductible will cost you about $48 more each month or $576 a year across all Lincoln MKT models than selecting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 19 months between claim filings, you would come out ahead going with the higher deductible. Here’s the way you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $150 |
| Average monthly premium for $1,000 deductibles (subtract): | – $102 |
| Monthly savings from raising deductible: | $48 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $48 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important caveat is that raising deductibles means you pay more out-of-pocket when you do file a claim. That will force you to have enough disposable savings in the event you have to pay the higher deductible in order to repair your vehicle.
The diagram below demonstrates how deductibles and can impact Lincoln MKT premium costs for different age categories. The data assumes a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
How accidents and tickets impact rates
The diagram below illustrates how traffic citations and at-fault accidents drive up Lincoln MKT insurance premiums for each age group. The rates are based on a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
Determine discounts on Fort Worth auto insurance
Some insurers don’t always publicize all possible discounts very well, so we break down both the well known as well as some of the hidden credits available to lower your premiums when you buy Fort Worth auto insurance online.
- Fort Worth Homeowners Pay Less – Being a homeowner can earn you a little savings because maintaining a house is proof of financial responsibility.
- Student Driver Training – It’s a good idea to have your young drivers successfully take a driver’s education course in school.
- Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may save at least 10% off all policies.
- Early Signing – A few larger companies give discounts for switching companies prior to your current MKT insurance policy expiring. The savings is around 10%.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% off the personal injury premium cost.
- Theft Deterrent – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and will qualify for a discount on a Fort Worth auto insurance quote.
- Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for a slight reduction on a Fort Worth auto insurance quote.
- Defensive Driver Discounts – Participating in a class that teaches defensive driver techniques could cut 5% off your bill if your company offers it.
Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think you can get free auto insurance, companies don’t profit that way.
The diagram below shows the difference between Lincoln MKT annual premium costs with and without discounts applied. The rates are based on a male driver, a clean driving record, no claims, Texas 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 homeowner, safe-driver, multi-car, claim-free, marriage, and multi-policy discounts applied.
The best auto insurance companies and a summarized list of policyholder discounts include:
- Progressive may include discounts for online signing, online quote discount, continuous coverage, multi-policy, multi-vehicle, homeowner, and good student.
- SAFECO includes discounts for teen safe driver, accident prevention training, drive less, homeowner, anti-lock brakes, and teen safety rewards.
- American Family discounts include good driver, mySafetyValet, good student, early bird, and TimeAway discount.
- MetLife offers discounts for accident-free, claim-free, defensive driver, good student, and good driver.
- GEICO may offer discounts for military active duty, emergency military deployment, daytime running lights, five-year accident-free, anti-lock brakes, driver training, and air bags.
- The Hartford may have discounts that include vehicle fuel type, driver training, anti-theft, defensive driver, and bundle.
Before buying, ask every insurance company what discounts are available to you. Some credits may not apply in every state.
When to get advice from an insurance agency
A small number of people would rather have an agent’s advice. Most agents can point out coverage gaps and will help you if you have claims. An additional benefit of comparing auto insurance online is that you can find cheap auto insurance quotes and still have an agent to talk to.
After completing this form (opens in new window), your insurance data is submitted to participating agents in Fort Worth who will give you bids for your business. There is no reason to do any legwork since price quotes are sent straight to your inbox. If you wish to compare prices for a specific company, feel free to jump over to their website to submit a rate quote request.
Deciding on an provider needs to be determined by more than just a cheap quote. Agents should be asked these questions:
- When do they do a full risk review?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is coverage determined by price?
- Are all drivers listed on the coverage quote?
- Can they give you a list of client referrals?
If you would like to find a local Fort Worth insurance agency, it’s helpful to know the types of insurance agents and how they function. Auto insurance agents are either exclusive or independent agents depending on their company appointments. Either one can provide auto insurance policies, but we need to point out how they differ because it can impact the selection process.
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive normally can only provide a single company’s rates and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to provide other company’s prices so you need to shop around if the rates are high. Exclusive insurance agents are trained well on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from exclusives partially due to the prominent brand name and strong financial ratings.
Listed below are Fort Worth exclusive agencies willing to provide price quote information.
- Allstate Insurance: Cecil A. Nutall
6716 Brentwood Stair Rd – Fort Worth, TX 76112 – (817) 451-7996 – View Map - Larry Martin – State Farm Insurance Agent
7833 Summer Creek Dr – Fort Worth, TX 76123 – (817) 292-6214 – View Map - Bob McCright – State Farm Insurance Agent
6231 Oakmont Blvd – Fort Worth, TX 76132 – (817) 294-9858 – View Map
Independent Auto Insurance Agents
Independent agencies are not restricted to one company so they can insure your vehicles with any number of different companies and potentially find a lower price. If premiums increase, they simply move the coverage in-house and that require little work on your part.
When comparing auto insurance rates, you will want to include price quotes from at least one independent agent to have the most options to choose from. Most also have access to companies that do not advertise much which can be an advantage.
Shown below are Fort Worth independent agencies that are able to give comparison quotes.
- Peter Polinsky Insurance Agency
8751 Camp Bowie W Blvd #124 – Fort Worth, TX 76116 – (817) 560-9400 – View Map - Alberta Blocker Insurance Agency
3304 Swan St – Fort Worth, TX 76117 – (817) 335-3400 – View Map - Rainbow Insurance Agency
2929 Cleburne Rd – Fort Worth, TX 76110 – (817) 922-8031 – View Map
More effort can pay off
In this article, we covered a lot of techniques to get a better price on Lincoln MKT insurance in Fort Worth. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding low cost Fort Worth auto insurance quotes. You may even be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies.
Insureds leave their current company for any number of reasons including delays in paying claims, extreme rates for teen drivers, unfair underwriting practices or even high prices. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.
Budget-friendly car insurance in Fort Worth is possible on the web as well as from insurance agents, so you need to quote Fort Worth auto insurance with both to have the best rate selection. Some insurance providers may not have online price quotes and usually these smaller companies prefer to sell through independent agents.
How to quote cheaper Lincoln MKT insurance in Fort Worth
The best way to find discount auto insurance rates in Fort Worth is to regularly compare quotes from insurance carriers who sell auto insurance in Texas. This can be done by following these guidelines.
- First, try to comprehend how companies price auto insurance and the factors you can control to drop your rates. Many rating criteria that result in higher prices such as speeding tickets, accidents and a not-so-good credit rating can be rectified by making small lifestyle or driving habit changes.
- Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like Progressive and State Farm, while independent agents can quote rates for many different companies. View prices
- Third, compare the new quotes to the premium of your current policy to see if cheaper MKT coverage is available. If you find a better price, make sure coverage is continuous and does not lapse.
- Fourth, give proper notification to your current agent or company of your intent to cancel your current car insurance policy. Submit a signed application and payment for your new policy. As soon as coverage is bound, keep your new certificate of insurance in your vehicle’s glove compartment or console.
The key thing to know about shopping around is that you’ll want to make sure you compare the same deductibles and limits on every price quote and and to get prices from every company you can. This ensures the most accurate price comparison and a complete rate analysis.
Additional information
- Rental Reimbursement Coverage (Allstate)
- Who Has the Cheapest Auto Insurance Rates for High Risk Drivers in Fort Worth? (FAQ)
- How Much is Fort Worth Auto Insurance for Real Estate Agents? (FAQ)
- Who Has Cheap Car Insurance Rates for a Company Car in Fort Worth? (FAQ)
- How Much is Auto Insurance for Uninsured Drivers in Fort Worth? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- Red Light Cameras (State Farm)