Auto Insurance Rates for a Lincoln MKZ in Omaha

Unfortunately, a large majority of drivers kept buying from the same company for at least the last four years, and 38% of drivers have never even compared rates from other companies. With the average car insurance premium being $1,440, Nebraska drivers could save up to $390 a year just by getting comparison quotes, but they just assume it’s a time-consuming process to compare rates online.

Discount Lincoln MKZ insuranceIf your goal is the lowest price, then the best way to find more affordable Lincoln MKZ insurance is to compare prices regularly from companies who sell auto insurance in Omaha. Price quotes can be compared by following these steps.

  1. Get a basic knowledge of what is in your policy and the measures you can take to prevent high rates. Many rating criteria that increase rates such as distracted driving and an unfavorable credit rating can be amended by making small lifestyle or driving habit changes.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of companies.
  3. Compare the new rate quotes to your current policy premium and determine if cheaper MKZ coverage is available in Omaha. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Tell your current agent or company of your intent to cancel your current auto insurance policy and submit a down payment and signed policy application to the new company. Make sure you store the proof of insurance paperwork in an accessible location in your vehicle.

A valuable tip to remember is that you’ll want to compare identical limits and deductibles on every price quote and to quote with as many different insurance providers as possible. Doing this provides an apples-to-apples comparison and a thorough selection of prices.

When comparison shopping, comparing a large number of companies helps you find lower pricing. Some insurance companies are not set up to provide price estimates online, so it’s important to compare price quotes from them, too.

The companies shown below can provide quotes in Nebraska. If your goal is to find cheap auto insurance in NE, we recommend you visit several of them to get the best price comparison.

Auto insurance statistics and figures

The table below outlines a range of insurance rates for Lincoln MKZ models. Learning how rates are determined can help guide drivers when making smart choices when comparing insurance rates.

Lincoln MKZ Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $158 $384 $410 $24 $122 $1,098 $92
MKZ AWD 4-Dr Sedan $158 $384 $410 $24 $122 $1,098 $92
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in specific location information which can influence auto insurance rates significantly.

The diagram below shows how choosing a deductible and can influence Lincoln MKZ yearly insurance costs for each different age category. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied.

Violations and accidents raise rates

The diagram below demonstrates how citations and at-fault accidents can impact Lincoln MKZ annual premium costs for each age group. The data is based on a single female driver, full coverage, $250 deductibles, and no other discounts are factored in.

Age, gender, and Lincoln MKZ insurance

The diagram below illustrates the comparison of Lincoln MKZ insurance costs for male and female drivers. The prices are based on no violations or accidents, full physical damage coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

How Insurance Companies Determine Lincoln MKZ Insurance Prices

Many different elements are taken into consideration when quoting car insurance. Some are pretty understandable like an MVR report, but others are more transparent such as whether you are married or how financially stable you are. One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that help calculate auto insurance rates. If you have a feel for what influences your rates, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

Choosing the best Lincoln MKZ insurance in Nebraska is an important decision

Despite the potentially high cost of Lincoln MKZ insurance, auto insurance serves several important purposes.

The benefits of having auto insurance definitely exceed the price paid, specifically if you ever have a liability claim. But the average driver in Nebraska overpays as much as $825 a year so smart consumers compare quotes once a year at a minimum to save money.