Insurance rates Lincoln MKZ in HonoluluSearching for lower-priced Lincoln MKZ insurance in Honolulu? Expensive insurance in Honolulu can stress out your monthly budget and force you to cut corners elsewhere.

A recent insurance study revealed that over 70% of drivers kept buying from the same company for four years or more, and about 40% of consumers have never compared quotes from other companies. Consumers in Hawaii could save approximately 40% each year, but most just don't grasp the big savings they would realize if they just switched companies.

Due to the large number of different company options, it can be impossible to pick the most cost effective insurance company.

It's important to compare premium rates before your policy renews because prices are usually higher with each renewal. Just because you found the best rates on Lincoln MKZ insurance in Honolulu a couple years back there is a good chance you can find better premium rates now. Block out anything you think you know about insurance because you're about to learn the best methods to find better coverage on Lincoln MKZ insurance in Honolulu at a better price.

To find the best auto insurance prices, there are several ways to obtain and compare prices from different Honolulu insurance companies. The quickest method to find affordable Lincoln MKZ insurance rates consists of obtaining rate quotes online.

It's so fast and easy to compare rates online that it makes it a waste of time to make phone calls or go to local Honolulu insurance agencies. Quoting Lincoln MKZ insurance online has reduced the need for local agents unless you require the trained advice of a local Honolulu agent. You can, however, find lower rates online and get advice from an agent in your area. When quoting auto insurance, remember that making a lot of price comparisons will improve the odds of getting a lower rate.

The companies in the list below offer free quotes in Honolulu, HI. If multiple companies are shown, we recommend you click on several of them to get a more complete price comparison.

Lincoln MKZ Insurance Price Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $162 $294 $392 $24 $118 $990 $83
MKZ AWD 4-Dr Sedan $146 $320 $288 $16 $86 $856 $71
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can revise auto insurance rates greatly.

Policy deductibles

The illustration below illustrates how your choice of deductibles and can raise or lower Lincoln MKZ insurance rates for different age categories. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

Policy deductible comparison

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The data tables below sum up the cost difference of buying low and high physical damage coverage deductibles. The first price estimate table uses a $250 deductible and the second rate table uses a $500 deductible.

Lincoln MKZ insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $230 $468 $300 $18 $90 $1,131 $94
MKZ AWD 4-Dr Sedan $230 $468 $300 $18 $90 $1,131 $94
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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 $188 $378 $300 $18 $90 $974 $81
MKZ AWD 4-Dr Sedan $188 $378 $300 $18 $90 $974 $81
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in vehicle location which can change premiums substantially.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $13 more each month or $156 a year than requesting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at least 19 months between claim filings, you would more than likely save some money if you choose a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $94
Average monthly premium for $500 deductibles (subtract): - $81
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important issue to know is that higher deductibles means you will have to cover more of the damage yourself when you have a physical damage claim. You will want to have some extra savings in order to pay the deductible.

Take advantage of these discounts on Lincoln MKZ insurance in Honolulu

Insurance is neither fun to buy or cheap, but there may be some discounts to help bring down the price. A few discounts will be applied when you quote, but some discounts are required to be asked for before they will apply. If you're not getting every credit you deserve, you are throwing money away.Save money with discounts

One last thing about discounts, some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you're out of luck.

A few popular companies and some of the premium reductions they offer are included below.

If you want affordable Honolulu car insurance quotes, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier might not be offered in every state. For a list of insurance companies that offer multiple discounts in Hawaii, click this link.

Protect your MKZ and other assets

Despite the potentially high cost of Lincoln MKZ insurance, maintaining insurance is most likely required but also gives you several important benefits.

The benefits of having auto insurance greatly outweigh the cost, especially if you ever need it. But the average American driver overpays as much as $810 a year so it's important to compare rates at every renewal to ensure rates are competitive.

How much car insurance do I need?

When quoting and comparing your policy for your personal vehicles, there really is no "perfect" insurance plan. You are unique and your car insurance should be unique as well.Drive safe and save Here are some questions about coverages that could help you determine whether you will benefit from professional help.

If you don't know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Don't I need to have guidance from an agent?

Some consumers still like to get advice from a local agent and doing so can bring peace of mind The biggest benefit of comparing rates online is you may find lower car insurance rates but also keep your business local.

Insurance agents in HonoluluUpon completion of this simple form, your insurance coverage information is transmitted to local insurance agents that can provide free Honolulu car insurance quotes for your business. It's much easier because you don't need to leave your house due to the fact that quote results will go to your email. You can get cheaper insurance rates AND an agent nearby. If you need to get a comparison quote for a specific company, feel free to find their quoting web page and fill out the quote form the provide.

Picking an provider requires more thought than just the premium amount. Here are some questions you might want to ask.

Shown below are agents in Honolulu that can give you rate quotes for Lincoln MKZ insurance in Honolulu.

2024 N King St #101b - Honolulu, HI 96819 - (808) 842-5844 - View Map

2841 Kaonawai Pl - Honolulu, HI 96822 - (808) 988-7011 - View Map

1580 Makaloa St #102 - Honolulu, HI 96814 - (808) 945-0802 - View Map

931 University Ave Ste 108 - Honolulu, HI 96826 - (808) 944-1854 - View Map

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