Lincoln MKZ Insurance Quotes in San Antonio

Discount Lincoln MKZ insuranceAre you burned out from sacrificing other expenses to pay car insurance each month? You are no different than many other Texas drivers.

It’s hard to fathom, but nearly 70% of drivers have been with the same company for well over three years, and almost half have never compared quotes from other companies. Most drivers in Texas can save hundreds of dollars each year by just comparing quotes, but they just don’t understand how easy it is to shop their coverage around. Many car insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best price available on Lincoln MKZ insurance in San Antonio.

If you’re already insured or are shopping for new coverage, you can follow these tips to reduce the price you pay while maximizing coverage. Choosing the best rates in San Antonio is actually very simple if you learn how to start. Shoppers just have to know the quickest method to compare rates using one simple form.

Cheap San Antonio auto insurance rates with discounts

Not many people think insurance is cheap, but there are discounts available that you may not even know about. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be asked for before you get the savings.

You can save money using discounts, but most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, that’s just not realistic.

The diagram below illustrates the comparison of Lincoln MKZ car insurance costs with and without policy discounts. The premiums are based on a male driver, no violations or claims, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, claim-free, marriage, and multi-policy discounts applied.

Popular auto insurance companies and their offered discounts can be found below.

If you want affordable San Antonio auto insurance quotes, ask every insurance company what discounts are available to you. A few discounts may not apply to policies in San Antonio. If you would like to see a list of providers that offer some of these discounts in Texas, click here to view.

How to find low cost Lincoln MKZ insurance in San Antonio

The car insurance companies shown below can provide free quotes in San Antonio, TX. If multiple companies are shown, we recommend you click on several of them in order to get a fair rate comparison.

Coverage statistics and figures

The data table shown below showcases estimates of rate quotes for Lincoln MKZ models. Having a better understanding of how car insurance prices are figured can assist in making decisions on the best policy coverages.


Lincoln MKZ Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $160 $360 $414 $24 $124 $1,082 $90
MKZ AWD 4-Dr Sedan $160 $360 $414 $24 $124 $1,082 $90
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in zip code location which can modify coverage prices significantly.

Physical damage deductible comparison

The hardest decision when buying coverage is how high should the physical damage deductibles be. The figures shown below illustrate the difference in cost of buying low and high insurance deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.


Lincoln MKZ insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $332 $672 $430 $26 $128 $1,613 $134
MKZ AWD 4-Dr Sedan $332 $672 $430 $26 $128 $1,613 $134
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Lincoln MKZ insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $206 $424 $430 $26 $128 $1,214 $101
MKZ AWD 4-Dr Sedan $206 $424 $430 $26 $128 $1,214 $101
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in garaging location in San Antonio which can alter insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $33 more each month or $396 for a full year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 23 months between claim filings, you would probably come out ahead going with the higher deductible.

Drive responsibly or pay higher rates

The information below highlights how speeding tickets and at-fault fender-benders can influence Lincoln MKZ car insurance rates for each different age group. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

How Insurance Companies Calculate Lincoln MKZ Insurance Rates

Consumers need to have an understanding of a few of the rating criteria that help determine your policy premiums. When you understand what controls the rates you pay, this empowers consumers to make smart changes that may reward you with big savings. Many things are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but other factors are less obvious like your vehicle usage or your financial responsibility.

Local neighborhood agents and insurance

Many people prefer to go talk to an agent and doing so can bring peace of mind Experienced insurance agents can help you choose the best coverages and will help you if you have claims. The biggest benefit of comparing insurance online is you can get lower rates and still choose a local agent.

San Antonio insurance agentsUpon completion of this quick form, your insurance data is immediately sent to local insurance agents in San Antonio who will give you quotes for your insurance coverage. You never need to do any legwork as quotes are delivered directly to you. If you want to get a rate quote from a specific insurance provider, you just need to go to their quote page to submit a rate quote request.

Finding a good provider needs to be determined by more than just the price. Ask your prospective agent these questions:

When researching a local San Antonio insurance agent, it can be helpful to understand the different types of agents and how they can write your policy. Insurance agencies are categorized either independent agents or exclusive agents. Both types can write insurance policies, but it is important to understand the difference in the companies they write for since it may influence which agent you choose.

Exclusive Insurance Agencies

Exclusive agents can usually just insure with one company and some examples include American Family, State Farm, and Allstate. These agents are not able to provide prices from multiple companies so keep that in mind. These agents are usually well trained on what they offer which helps them compete with independent agents.

Listed below is a list of exclusive agents in San Antonio willing to provide price quotes.

Lisa Ybarbo – State Farm Insurance Agent
803 Castroville Rd #128San Antonio, TX 78237(210) 434-2711View Map


13909 Nacogdoches Rd #103San Antonio, TX 78217(210) 656-4082View Map


8359 Perrin Beitel RdSan Antonio, TX 78218(210) 967-8669View Map

More insurance agents

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company so they can write business with an assortment of companies and possibly get better coverage at lower prices. If your agent finds better pricing, your policy is moved internally and you don’t have to find a new agent.

When searching for an agent, you definitely need to get some free quotes from multiple independent agents in order to compare the most rates.

Shown below are San Antonio independent agents that can give you price quotes.


8607 Wurzbach Rd #101San Antonio, TX 78240(210) 696-1133View Map


800 Isom Rd # 100San Antonio, TX 78216(210) 366-5094View Map

Legion Insurance Agency
5309 Wurzbach RdSan Antonio, TX 78230(210) 693-1501View Map

More insurance agents

After talking to the agent and getting reasonable responses for all questions you ask and an affordable coverage quote, you may have found a car insurance agent that meets the criteria to provide insurance coverage.

Best reasons to buy insurance in Texas

Despite the high insurance cost for a Lincoln MKZ in San Antonio, insurance is a good idea for several reasons.

The benefits of carrying enough insurance outweigh the cost, particularly for liability claims. As of last year, the average driver in Texas is currently overpaying as much as $855 a year so shop around once a year at a minimum to ensure rates are competitive.

Persistent drivers can save

In this article, we presented many ideas to save on Lincoln MKZ insurance in San Antonio. The key concept to understand is the more rate quotes you have, the better your comparison will be. Drivers may even discover the best rates are with a small mutual company. These smaller insurers may only write in your state and offer lower car insurance rates than their larger competitors like State Farm or Progressive.

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

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