Compare Lincoln MKT Insurance Rates in Nashville

Are you searching for cheaper auto insurance rates in Nashville, TN? Nashville drivers have many options when trying to find affordable Lincoln MKT insurance. You can either waste hours driving around getting price quotes or utilize the internet to get rate quotes.

There are more efficient ways to find auto insurance online and you need to know the absolute fastest way to compare rates for a Lincoln and obtain the cheapest rates from both online companies and Nashville agents.

Cut your insurance rates with discounts

Companies that sell car insurance don’t always publicize every discount very well, so the list below gives a summary of both the well known as well as the least known discounts you could be receiving when you buy Nashville car insurance online.

• Driver Training Discounts – Taking a defensive driving course may get you a small discount and also improve your driving technique.
• Use Seat Belts – Drivers who require all occupants to use a seat belt can save a little off PIP or medical payments premium.
• Discount for Life Insurance – Some insurance companies give a break if you buy life insurance from them.
• Braking Control Discount – Cars with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.
• Military Rewards – Having a deployed family member could be rewarded with lower rates.
• Sign Online – Some larger companies will discount your bill up to fifty bucks get Nashville car insurance digitally online.
• Safe Driver Discounts – Safe drivers can pay as much as 50% less compared to accident prone drivers.
• Distant College Student Discount – College-age children who live away from home to go to college and do not have a car could get you a discount.
• Multiple Cars – Drivers who insure several vehicles on a single policy can get a discount for every vehicle.

Keep in mind that most discounts do not apply to the whole policy. Most only apply to specific coverage prices like comp or med pay. Even though the math looks like you could get a free insurance policy, you aren’t that lucky.

The diagram below illustrates the difference between Lincoln MKT insurance costs with and without discounts applied to the premium. The information is based on a male driver, no accidents, no driving violations, Tennessee state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-policy, multi-car, and claim-free discounts applied.

Large insurance companies and some of the discounts are outlined below.

• State Farm discounts include multiple policy, student away at school, driver’s education, multiple autos, safe vehicle, anti-theft, and accident-free.
• American Family offers discounts for early bird, Steer into Savings, air bags, good student, good driver, multi-vehicle, and defensive driver.
• AAA may include discounts for AAA membership discount, education and occupation, pay-in-full, anti-theft, and multi-car.
• GEICO has savings for federal employee, multi-vehicle, emergency military deployment, defensive driver, air bags, and five-year accident-free.
• Mercury Insurance offers discounts including low natural disaster claims, age of vehicle, type of vehicle, good driver, ease of repair, annual mileage, and multi-car.
• Farmers Insurance may offer discounts for electronic funds transfer, early shopping, bundle discounts, switch companies, and pay in full.
• Progressive may have discounts that include online signing, multi-vehicle, multi-policy, continuous coverage, online quote discount, and homeowner.

If you need lower rates, check with each insurance company how you can save money. Some of the discounts discussed earlier may not be available in Nashville.

All the larger car insurance companies make it easy to get coverage prices from their websites. Comparing prices online for Lincoln MKT insurance in Nashville doesn’t take a lot of time as you simply type in the amount of coverage you want on the page. After you submit the form the company’s rating system automatically retrieves credit information and your driving record and returns pricing information determined by many factors.

Quoting online for Lincoln MKT insurance in Nashville makes it a lot easier to compare rates and it’s necessary to get many rate quotes if you want to get a lower rate.

If you want to find out how much you can save on car insurance, compare quotes from the companies shown below. If you currently have coverage, we recommend you complete the form with coverages and limits as shown on your current policy. Doing this guarantees you will have a price comparison based on the exact same insurance coverage.

The following companies are ready to provide quotes in Tennessee. If multiple companies are listed, we suggest you visit several of them to get the best price comparison.

Rates and information analytics

The premium table shown next showcases different prices for Lincoln MKT models. Learning as much as possible about how auto insurance premiums are formulated is important for drivers to make informed decisions when shopping around for a new policy.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can influence prices noticeably.

Physical damage deductible comparison

One frequently asked question is how high should the physical damage coverage deductibles be. The comparison tables below can help show the premium difference when you choose different policy deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in your specific Nashville location which can change rates greatly.

Based on these figures, using a $100 deductible costs an average of $36 more each month or $432 for a full year across all Lincoln MKT models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 25 months between claim filings, you would more than likely save some money if you choose the higher deductible. Here’s how this calculation is made.

An important thing to remember is that higher deductibles means you pay more out-of-pocket when you have a comprehensive or collision claim. You need to have some extra funds in order to pay the deductible to have repairs made.

Educated Choices Result in Lower Insurance Rates

Lots of factors are part of the calculation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but some are less apparent like your continuous coverage or how financially stable you are.

• Safer vehicles save money – Vehicles that have high safety ratings tend to have lower insurance rates. The safest vehicles have better occupant injury protection and fewer injuries means your insurance company pays less which can mean better rates for you. If your Lincoln MKT scored better than four stars on Safercar.gov it is probably cheaper to insure.

• Avoid traffic tickets – Only having one speeding ticket may cause rates to rise substantially. Good drivers have lower premiums than people who have multiple driving citations. People who have multiple citations like DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive a vehicle.

  The illustration below highlights how traffic violations and at-fault accidents raise Lincoln MKT auto insurance costs for each different age category. The premium estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

• Is you employer costing you more? – Did you know your insurance rates can be affected by your occupation? Occupational choices like military generals, executives, and stock brokers generally have higher average rates in part from intense work situations and lots of time spent away from family. Conversely, occupations like scientists, engineers and the unemployed get better rates.
• Add-on coverages that aren’t used – There are a lot of extra coverages that may not really be needed on your MKT policy. Coverages for replacement cost coverage, better glass coverage, and membership fees are some examples. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past remove them and pocket the money.

• High performance vehicles cost more to insure – The type of car or truck you are buying insurance for makes a significant difference in determining your rates. The lowest premiums will normally be found when insuring smaller low performance passenger vehicles, but there are many factors that impact the final cost.

  The data below uses these variables: married female driver age 50, full coverage with $250 deductibles, and no discounts or violations. It shows Lincoln MKT insurance premiums compared to other models of vehicles that have different performance rating factors.

• Raising deductibles saves money – Insurance for physical damage, also called ‘full coverage’, is used to repair damage to your Lincoln. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, and burglary. Deductibles for physical damage are the amount of money you are willing to pay before your insurance pays a claim. The more you pay before a claim is paid (deductible), the less your insurance will be.

• Lincoln MKT claim probability – Insurance companies analyze claim trends for every vehicle when they file their rates in each state. Models that statistically have high amounts or severity of claims will have higher premium rates. The table shown below demonstrates the compiled insurance loss statistics for Lincoln MKT vehicles.

  For each coverage type, the claim probability for all vehicles, as an average, is a value of 100. Values under 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.

  
  

  Car Insurance Loss Data for Lincoln MKT Models

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Lincoln MKT 4dr 2WD	128		133
  Lincoln MKT 4dr 4WD	118	85	138	85

  BETTER

  AVERAGE

  WORSE

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

Shop online but buy locally

Some consumers would rather buy from a local agent and that can be a great decision Agents can answer important questions and help file insurance claims. The biggest benefit of comparing insurance prices online is that you can find cheap insurance quotes and still buy from a local agent. Buying from and supporting local agents is important particularly in Nashville.

Upon completion of this simple form, your insurance coverage information is instantly submitted to participating agents in Nashville that can give you free Nashville car insurance quotes for your business. It simplifies rate comparisons since you won’t have to contact an agency due to the fact that quote results will go to the email address you provide. If you need to get a comparison quote from one company in particular, you just need to go to their quote page and give them your coverage information.

When finding an insurance agent, it helps to know the two types of agencies that you can select. Insurance agencies are either independent or exclusive depending on the company they work for. Both types can sell affordable insurance policies, but it’s a good idea to understand the difference in how they write coverage since it can impact which agent you choose.

Independent Insurance Agencies

These type of agents often have many company appointments and that is an advantage because they can write policies with lots of companies and find you the best rates. If you want to switch companies, an independent agent can move your coverage and that require little work on your part.

When comparing insurance rates, you absolutely need to get quotes from independent agents to maximize your price options. Many independent agencies also insure through smaller mutual companies which could offer lower prices.

Listed below is a partial list of independent insurance agencies in Nashville that may be able to provide pricing information.

• Nationwide Insurance: April Bowers Agency Inc
  211 Donelson Pike #8 – Nashville, TN 37214 – (615) 883-8183 – View Map
• Tri-City Insurance Agency
  4400 Nolensville Pike – Nashville, TN 37211 – (615) 331-0770 – View Map
• MJC Insurance Group
  1506 Church St Suite 2 – Nashville, TN 37203 – (615) 873-1988 – View Map

More insurance agents

Exclusive Agencies

Exclusive insurance agents can only place business with one company and some examples include State Farm, Allstate, or Farmers Insurance. They generally cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are usually well trained on what they offer which helps offset the inability to provide other markets. Consumers sometimes purchase coverage from exclusives primarily because of the brand legacy and the convenience of having all coverages with one company.

Below is a short list of exclusive insurance agents in Nashville that are able to give price quotes.

• Cheryl Crewse – State Farm Insurance Agent
  15582 Old Hickory Blvd – Nashville, TN 37211 – (615) 831-1800 – View Map
• Arnie Phipps – State Farm Insurance Agent
  4811 Trousdale Dr c – Nashville, TN 37220 – (615) 833-1300 – View Map
• Heather Farmer State Farm Insurance
  6592 TN-100 Suite 2 – Nashville, TN 37205 – (615) 356-6503 – View Map

More insurance agents

Deciding on a auto insurance agent requires you to look at more than just a low price. These questions are important to ask:

• Do the companies they represent have a solid financial rating?
• Do they get extra compensation for selling add-on coverages?
• Do they have a Better Business Bureau rating in Nashville?
• Is every driver in your family covered?
• Is their price quote a firm figure or are their hidden costs?

After receiving satisfactory answers for all questions you ask in addition to an acceptable price estimate, you may have just found an insurance agent that can adequately provide insurance.

Auto insurance just makes sense

Despite the high cost of buying insurance for a Lincoln MKT in Nashville, auto insurance is most likely required but also gives you several important benefits.

• Most states have mandatory insurance requirements which means the state requires specific minimum amounts of liability protection in order to get the vehicle licensed. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you have a loan on your MKT, most banks will force you to buy full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender will be forced to insure your Lincoln at an extremely high rate and require you to fork over a much higher amount than you were paying before.
• Auto insurance protects both your assets and your Lincoln. It will also reimburse you for hospital and medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of carrying enough insurance more than cancel out the cost, especially for larger claims. Today the average American driver is currently overpaying as much as $865 each year so compare rates at least once a year to save money.

Nashville auto insurance company ratings

Choosing the top insurance provider can be difficult considering how many choices there are in Tennessee. The information shown below could help you decide which insurers you want to consider when looking for cheaper rates.

Top 10 Nashville Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top 10 Nashville Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Erie Insurance – A+
6. Titan Insurance – A+
7. Esurance – A+
8. Progressive – A+
9. Nationwide – A+
10. The Hartford – A+

Persistence will pay off

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped full coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

Cost effective Lincoln MKT insurance is definitely available from both online companies and also from your neighborhood Nashville agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies do not provide online price quotes and these smaller providers provide coverage only through independent insurance agencies.

People who switch companies do it for a number of reasons such as not issuing a premium refund, delays in paying claims, policy non-renewal and even an unsatisfactory settlement offer. It doesn’t matter what your reason, switching companies can be easier than you think.

How to find affordable Lincoln MKT insurance in Nashville

It takes a little time, but the best way to find cheaper Lincoln MKT insurance in Nashville is to compare prices at least once a year from companies in Tennessee. Prices can be compared by following these steps.

Step 1: Get an understanding of how your policy works and the measures you can take to lower rates. Many rating factors that increase rates like traffic citations, accidents, and a not-so-good credit history can be improved by paying attention to minor details.

Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple companies.

Step 3: Compare the new quotes to your existing rates and determine if cheaper MKT coverage is available in Nashville. If you find a better price and make a switch, ensure there is no coverage lapse between policies.

Step 4: Provide adequate notice to your current company of your decision to cancel your current coverage. Submit the completed application along with a down payment to your new agent or company. As soon as coverage is bound, place your new proof of insurance certificate in your vehicle.

One key aspect of rate comparisons is to try to use the same deductibles and limits on every quote and and to get rates from as many different insurance providers as possible. Doing this guarantees a fair price comparison and a complete price analysis.

Additional detailed information can be read in these articles:

• Understanding Your Insurance Deductible (Insurance Information Institute)
• Who Has the Cheapest Car Insurance Rates for Seniors in Nashville? (FAQ)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• What is Full Coverage? (Allstate)
• How to shop for a safer car (Insurance Institute for Highway Safety)