Auto Insurance Quotes for a Lincoln MKT in Corpus Christi

A recent insurance study revealed that the majority of drivers have been with the same company for well over three years, and nearly 40% of drivers have never compared insurance rates at all. Many drivers in the United States could save themselves as much as $860 a year by just comparing quotes, but they don’t know the large savings they would see if they switched to a cheaper policy.

It takes a few minutes, but the best way to find affordable Lincoln MKT insurance in Corpus Christi is to compare prices once a year from different companies in Texas. Drivers can shop around by following these steps.

1. Try to understand how companies set rates and the steps you can take to lower rates. Many risk factors that increase rates such as tickets, at-fault accidents, and poor credit history can be remedied by making minor changes in your lifestyle.
2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO or State Farm, while independent agents can provide price quotes for a wide range of companies.
3. Compare the new rate quotes to your existing policy to see if cheaper MKT coverage is available in Corpus Christi. If you find a better price and change companies, ensure coverage does not lapse between policies.
4. Provide adequate notice to your current company to cancel your current coverage and submit the required down payment along with the signed application to your new agent or company. Make sure you place your new certificate of insurance along with the vehicle’s registration papers.

One bit of advice is to compare the same coverage limits and deductibles on every quote request and and to analyze every company you can. This enables a level playing field and a complete price analysis.

Shopping around for the lowest-priced insurance policy in Corpus Christi is easy to do. Practically everyone who is looking for cheaper insurance most likely will find lower prices. But Texas vehicle owners can benefit from knowing how the larger insurance companies compete online because it varies considerably.

Compare Corpus Christi Lincoln MKT insurance quotes online

To find the best insurance quotes, there are several ways to compare prices from insurance companies in your area. The easiest way to find competitive Lincoln MKT insurance rates involves getting comparison quotes online.

Just remember that comparing more prices provides better odds of finding the best price.

The car insurance companies shown below can provide price comparisons in Corpus Christi, TX. If you want cheap car insurance in Corpus Christi, we recommend you visit as many as you can to get the best price comparison.

These discounts can lower your insurance quotes

Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so the following list contains some of the best known and also the more inconspicuous ways to save on insurance. If you are not receiving all the discounts you deserve, you are throwing money away.

• Multiple Cars – Insuring multiple cars on one policy can get a discount on all vehicles.
• Drive Safe and Save – Insureds without accidents can save as much as half off their rates than their less cautious counterparts.
• Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.
• Telematics Discount – Drivers that enable their insurance company to monitor driving patterns by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if their driving habits are good.
• Claim-Free Discount – Claim-free drivers can save substantially in comparison with drivers with a long claim history.

As a footnote on discounts, some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you could get a free insurance policy, company stockholders wouldn’t be very happy.

The chart below illustrates the comparison of Lincoln MKT insurance prices with and without discounts being applied to the rates. The price estimates are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, multi-car, and claim-free discounts applied.

Some of the insurance companies that may offer these money-saving discounts include:

• State Farm
• American Family
• GEICO
• 21st Century
• Progressive

If you are trying to find affordable Lincoln MKT insurance quotes, ask every insurance company which discounts can lower your rates. Savings might not be offered in every state. To see insurers that offer discounts in Texas, follow this link.

Lincoln MKT insurance analysis

The rate table shown below highlights detailed analysis of insurance policy prices for Lincoln MKT models. Understanding more about how insurance prices are determined can be of help when making decisions on which coverage to buy.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price estimates do not factor in specific location which can revise premium rates considerably.

Physical damage deductibles

One of the hardest decisions when shopping for auto insurance is the level to set your comp and collision deductibles. The following tables highlight the rate difference when you select higher and lower coverage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second price grid uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium amounts do not factor in specific location which can change rates greatly.

Based on this data, using a $250 deductible costs an average of $18 more each month or $216 every year than buying the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 14 months between claim filings, you would probably come out ahead if you choose the higher deductible. Here is a better example of how you can make this decision for your own policy.

One important note is that raising deductibles results in having to pay to pay more out-of-pocket when you do file a claim. You need to have enough disposable income in order to pay the deductible to have repairs made.

Auto insurance rates based on gender

The information below shows the comparison of Lincoln MKT premium costs for male and female drivers. The data assumes no claims, a clean driving record, full physical damage coverage, $500 deductibles, single status, and no policy discounts are applied.

Can’t I get rate quotes from local Corpus Christi auto insurance agents?

Some consumers still like to go talk to an agent and that is a smart decision A good thing about getting free rate quotes online is that you can find better rates but still work with a licensed agent. Buying from local insurance agents is important particularly in Corpus Christi.

By using this short form, the quote information is submitted to insurance agents in Corpus Christi who will gladly provide quotes for your coverage. It makes it easy because there is no need to leave your house since rate quotes are delivered to you. You can find the lowest rates and an insurance agent to talk to. If you wish to get a rate quote from a specific auto insurance provider, you just need to search and find their rate quote page and fill out the quote form the provide.

If you are wanting to find a local Corpus Christi insurance agency, there are two types of agencies and how they operate. Corpus Christi agents may be either exclusive or independent (non-exclusive).

Independent Insurance Agents

Agents that elect to be independent are normally appointed by many insurers and that allows them to write policies amongst many companies and get you the best rates possible. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to do anything.

If you need cheaper auto insurance rates, you will want to get insurance quotes from a few independent agents to have the best price comparison. Many can place coverage with smaller regional carriers which may have better rates.

Shown below are independent insurance agencies in Corpus Christi that may be able to give comparison quotes.

• Tejas Auto Insurance
  4701 Ayers St #104 – Corpus Christi, TX 78415 – (361) 814-0030 – View Map
• Joe Morales Insurance
  5230 Kostoryz Rd # 18 – Corpus Christi, TX 78415 – (361) 852-4292 – View Map
• Moore Insurance Agency
  500 N Water St #702 – Corpus Christi, TX 78401 – (361) 991-9000 – View Map

View more Corpus Christi agents

Exclusive Agents

Exclusive agents write business for a single company such as State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are very knowledgeable on their company’s products which aids in selling service over price. Some insured continue to purchase coverage from exclusives mostly because of loyalty to the company rather than having low rates.

Shown below are Corpus Christi exclusive insurance agencies who can help you get comparison quotes.

• Francisco Aguilar – State Farm Insurance Agent
  5829 Weber Rd – Corpus Christi, TX 78413 – (361) 991-8242 – View Map
• Allstate Insurance: Al Armadillo
  5656 S Staples St #300 – Corpus Christi, TX 78411 – (361) 985-7488 – View Map
• Ray Paiz – State Farm Insurance Agent
  5425 S Padre Island Dr #122 – Corpus Christi, TX 78411 – (361) 993-3553 – View Map

View more Corpus Christi agents

Choosing a auto insurance agent requires more thought than just a low price. The answers to these questions are important, too.

• Will you work with the agent or an assistant?
• How long has the business existed?
• Are aftermarket or OEM parts used to repair vehicles?
• Is auto insurance their primary focus in Corpus Christi?
• Who are their largest clients?
• If you raise deductibles, how much can you save?
• Will the quote change when the policy is issued?

When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage, there isn’t really a one-size-fits-all type of policy. Each situation is unique and your insurance should unique, too.
For example, these questions may help highlight whether you might need an agent’s assistance.

• Am I covered if I have no license?
• Is other people’s property covered if stolen from my vehicle?
• What does medical payments cover?
• What is the minimum liability in Texas?
• Do I pay less if my vehicle is kept in my garage?
• Who is covered by my policy?
• Can I rate high risk drivers on liability-only vehicles?
• Can I insure my car for more than it’s worth?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

How do Insurers Determine Lincoln MKT Insurance Prices?

A large part of saving on car insurance is knowing the different types of things that play a part in calculating the rates you pay for car insurance. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you cheaper rates. Multiple criteria are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other factors are less apparent such as whether you are married or your commute time.

Listed below are some of the major factors companies use to determine prices.

Lower rates for vehicles with better crash test results – Cars with five star safety ratings cost less to insure. Highly rated vehicles result in less severe injuries and lower rates of occupant injuries translates directly to fewer claims and lower rates for you. If your Lincoln is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Proper usage rating affects prices – The higher the miles on your Lincoln in a year’s time the more you’ll pay to insure your vehicle. Most companies charge rates based upon how the vehicle is primarily used. Cars and trucks left parked in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. An improperly rated MKT is just wasting money. It’s always a good idea to double check that your car insurance policy is showing the correct driver usage, because it can save money.

Responsible credit equals lower premiums – Having a good credit rating can be an important factor in your rate calculation. If your credit can use some improvement, you could potentially save money when insuring your Lincoln MKT by spending a little time repairing your credit. Drivers who have excellent credit tend to be more responsible as compared to drivers with worse credit.

Liability protection preserves assets – Your car insurance policy’s liability coverage will afford coverage when you are responsible for damages caused by your negligence. Your policy’s liability insurance provides legal defense to defend your case. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Poor driving leads to higher premiums – Drivers with clean records get better rates as compared to careless drivers. Having just one moving violation may increase your cost by twenty percent. Drivers who have received license-revoking violations such as DUI or willful reckless driving may face state-mandated requirements to file a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.

The illustration below shows how violations and at-fault claims can increase Lincoln MKT yearly insurance costs for each different age group. The premium estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Marriage discount – Your spouse can actually save you money on your policy. It may mean you are more financially stable and statistics show being married results in fewer claims.

Insurance loss data for Lincoln MKT vehicles – Car insurance companies take into consideration historical loss data for every vehicle when they file their rates in each state. Models that statistically have increased claim numbers or amounts will have higher rates. The table below illustrates the actual insurance loss data for Lincoln MKT vehicles.

For each policy coverage type, the loss probability for all vehicles as a whole is considered to be 100. Values that are below 100 indicate better than average losses, while numbers shown that are more than 100 indicate a higher chance of having a claim or statistically larger losses.

Car insurance is not optional in Texas

Even though it can be expensive, maintaining insurance is a good idea for several reasons.

First, almost all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Lincoln MKT has a lienholder, almost every bank will require that you buy insurance to guarantee loan repayment. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Lincoln at a more expensive rate and force you to pay the higher price.

Third, car insurance protects both your car and your assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance will also pay to defend you if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of having car insurance more than cancel out the cost, specifically if you ever have a liability claim. But the average American driver is currently overpaying as much as $810 a year so it’s recommended you shop around at every policy renewal to help ensure money is not being wasted.

Best auto insurance in Texas

Picking the best insurance company can be difficult considering how many companies there are to choose from in Corpus Christi. The company information listed below may help you analyze which auto insurers you want to consider purchasing a policy from.

Top 10 Corpus Christi Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top 10 Corpus Christi Car Insurance Companies by A.M. Best Rank

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

More effort can pay off

Cheaper auto insurance in Corpus Christi can be found on the web as well as from independent agents in Corpus Christi, so you should be comparing quotes from both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through independent agencies.

You just read some good ideas how you can reduce Lincoln MKT insurance rates online in Corpus Christi. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the most savings is with a small local company. These companies may only write in your state and offer lower car insurance rates compared to the large companies like Progressive and GEICO.

For more information, link through to the following helpful articles:

• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• Who Has the Cheapest Auto Insurance for Business Use in Corpus Christi? (FAQ)
• Choosing an Insurance Company (Insurance Information Institute)
• Older Driver Statistics (Insurance Information Institute)
• Side Impact Crash Tests (iihs.org)