Discount Lincoln MKT insuranceThere isn't anyone who looks forward to buying car insurance, particularly when they are paying too much.

It's amazing but a large majority of car insurance policyholders kept their policy with the same company for at least four years, and roughly 40% of drivers have never compared rates with other companies. Many consumers in Honolulu could save approximately $360 a year just by comparing rates, but they don't believe the benefits if they swap their current policy for a cheaper one. Since consumers have many companies and agents to choose from, it is hard for the average consumer to find the cheapest car insurance provider.

How much is Lincoln MKT insurance in Honolulu, HI?

The following companies provide price quotes in Honolulu, HI. If multiple providers are shown, we suggest you visit as many as you can to find the most affordable auto insurance rates.

Lincoln MKT Insurance Cost Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKT 3.7 2WD $190 $302 $308 $18 $92 $910 $76
MKT 3.7 AWD $150 $288 $338 $20 $102 $898 $75
Get Your Own Custom Quote Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in vehicle garaging location which can impact insurance rates significantly.

Policy deductible comparison

The illustration below demonstrates how deductible levels and can raise or lower Lincoln MKT insurance rates for different insured age categories. The rate quotes are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Comparison of car insurance rates by age and gender

The information below shows the difference between Lincoln MKT insurance prices for male and female drivers. Data assumes no claims or driving citations, full physical damage coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.

Best reasons to buy insurance in Hawaii

Despite the high insurance cost for a Lincoln MKT in Honolulu, paying for insurance may be required and benefits you in several ways.

The benefits of buying insurance more than offset the price you pay, particularly when you have a large claim. Despite what companies tell you, the average driver overpays as much as $800 each year so compare rates once a year at a minimum to be sure current rates are still competitive.

Car insurance policy discounts you can't miss

Car insurance is not inexpensive, but you can get discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time of quoting, but a few must be inquired about in order for you to get them.Cheaper car insurance with discounts

While discounts sound great, it's important to understand that some credits don't apply to the whole policy. The majority will only reduce specific coverage prices like comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, that's just not realistic.

A list of car insurance companies and a partial list of their discounts include:

Before buying, ask each company or agent the best way to save money. Some discounts listed above might not be available to policyholders in your state.

When should I discuss my situation with an agent?

When choosing adequate coverage for your vehicles, there is no best way to insure your cars. Everyone's needs are different and a cookie cutter policy won't apply.Higher deductibles save money These are some specific questions may help you determine if you might need professional guidance.

If you can't answer these questions, you might consider talking to an agent. If you don't have a local agent, complete this form or click here for a list of car insurance companies in your area. It's fast, free and can help protect your family.

Can't I compare rates from local Honolulu insurance agencies?

A lot of people would rather sit down and talk to an agent and that is not a bad decision Licensed agents will help you protect your assets and give you someone to call. The biggest benefit of getting online price quotes is the fact that drivers can get the best rates but still work with a licensed agent. Putting coverage with local agencies is important especially in Honolulu.

Insurance agency in HonoluluOnce you complete this quick form, your coverage information is transmitted to local insurance agents in Honolulu who will give you bids for your car insurance coverage. You don't have to contact any insurance agencies because prices are sent to you. If you wish to get a rate quote from a specific insurance company, just go to their quote page and fill out the quote form the provide.

Two types of car insurance agents

If you're trying to find a reliable insurance agency, you should know the types of insurance agents that you can choose from. Agents may be either exclusive or independent (non-exclusive). Both can sell affordable car insurance policies, but it's a good idea to understand the subtle differences because it may have an impact on your selection of an agent.

Independent Agencies or Brokers

Agents of this type often have many company appointments so as a result can place your coverage through lots 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 find a new agent. If you need lower rates, we highly recommend that you compare quotes from multiple independent agents to have the best price comparison.

Below are independent insurance agents in Honolulu that can give you comparison quotes.

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 - Honolulu, HI 96818 - (808) 527-7777 - View Map

1440 Kapiolani Blvd # 950 - Honolulu, HI 96814 - (808) 942-5353 - View Map

500 Ala Moana Blvd # 2303 - Honolulu, HI 96813 - (808) 534-7300 - View Map

View more Honolulu agents

Exclusive Agencies

Agents of this type can only quote rates from one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot shop your coverage around so keep that in mind. They are usually well trained on their products and sales techniques which helps them sell on service rather than price.

Shown below is a short list of exclusive agencies in Honolulu willing to provide rate quotes.

6700 Kalanianaole Hwy #204 - Honolulu, HI 96825 - (808) 395-5433 - View Map

3615 Harding Ave Ste 303 - Honolulu, HI 96816 - (808) 394-5433 - View Map

Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd - Honolulu, HI 96813 - (808) 533-2444 - View Map

View more Honolulu agents

Picking an insurance agent is decision based upon more than just a cheap quote. Here are some questions you should ask.

Information about specific coverages

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Collision - Collision insurance covers damage to your MKT resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, hitting a parking meter, scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible on your MKT to bring the cost down.

Protection from uninsured/underinsured drivers - This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Lincoln MKT.

Due to the fact that many Hawaii drivers have only the minimum liability required by law (which is 20/40/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision) - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, a tree branch falling on your vehicle, theft and hail damage. The highest amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Liability car insurance - This can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn't cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 20/40/10 which means a limit of $20,000 per injured person, a per accident bodily injury limit of $40,000, and a limit of $10,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, court costs and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible. Hawaii requires drivers to carry at least 20/40/10 but drivers should carry more coverage.

Medical expense insurance - Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, EMT expenses, dental work and funeral costs. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

More effort can pay off

As you quote Honolulu auto insurance, make sure you don't buy less coverage just to save a little money. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. Your goal should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

A few companies don't offer rate quotes online and usually these regional insurance providers prefer to sell through independent insurance agents. Budget-friendly car insurance in Honolulu can be found online as well as from independent agents in Honolulu, and you need to price shop both to have the best chance of lowering rates.

In this article, we covered quite a bit of information on how to lower your Lincoln MKT insurance premium rates in Honolulu. It's most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with the least-expected company. Regional companies often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

More tips and info about car insurance is located in these articles: