Best Quotes for Lincoln MKS Insurance in San Francisco

Insurance rates Lincoln MKS in San FranciscoNo car owner enjoys paying for car insurance, especially knowing their premiums are through the roof.

It’s an obvious conclusion that insurance companies don’t want you quoting rates from other companies. Insureds who shop around once a year will most likely switch to a new company because there is a high probability of finding more affordable rates. A recent car insurance study revealed that consumers who made a habit of comparing rate quotes saved over $865 a year compared to drivers who don’t regularly compare prices.

If saving money on car insurance in San Francisco is the reason for your visit, learning the best way to quote and compare coverages can make it simple to find affordable coverage.

Many car insurance companies vie for your insurance dollar, so it can be very hard to choose a provider to find the absolute lowest rate possible on Lincoln MKS insurance in San Francisco.

Consumers need to do rate comparisons as often as possible because prices change frequently. Despite the fact that you may have had the lowest quotes on Lincoln MKS insurance in San Francisco on your last policy you may be paying too much now. Ignore everything you know about car insurance because you’re about to learn the fastest and easiest way to properly buy coverages while reducing your premium.

If you already have coverage, you stand a good chance to be able to lower your rates using the techniques covered below. Choosing the best rates in San Francisco is quite easy if you know the best way to do it. Although California vehicle owners must understand how insurance companies determine premium rates because rates fluctuate considerably.

Where can I get the cheapest San Francisco Lincoln MKS insurance?

Just remember that obtaining a wide range of quotes will increase your chances of finding a lower rate than you’re paying now. Some insurance companies are not set up to provide online price quotes, so it’s necessary to compare quotes from them, too.

The companies in the list below have been selected to offer price comparisons in San Francisco, CA. If more than one company is shown, we suggest you click on several of them to get the best price comparison.

Buying the right Lincoln vehicle insurance in California is an important decision

Despite the high insurance cost for a Lincoln MKS in San Francisco, car insurance is required in California but also provides important benefits.

The benefits of buying car insurance greatly outweigh the cost, particularly for liability claims. An average driver in America is overpaying over $830 a year so it’s important to compare rates at least once a year to ensure rates are competitive.

Auto insurance data for a Lincoln MKS

The information displayed next highlights detailed analysis of coverage costs for Lincoln MKS models. Being more informed about how auto insurance policy rates are determined can benefit drivers when making decisions when shopping around.


Lincoln MKS Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $338 $616 $384 $22 $114 $1,474 $123
MKS 4-Dr Sedan $338 $616 $384 $22 $114 $1,474 $123
MKS Ecoboost AWD 4-Dr Sedan $374 $698 $384 $22 $114 $1,592 $133
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in San Francisco location which can raise or lower rates substantially.

Deductible comparison

One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The rates below can help you visualize the rate differences between low and high policy deductibles. The first pricing table uses a $100 deductible and the second pricing table uses a $1,000 deductible.


Lincoln MKS insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $478 $932 $376 $22 $112 $1,945 $162
MKS 4-Dr Sedan $478 $932 $376 $22 $112 $1,945 $162
MKS Ecoboost AWD 4-Dr Sedan $528 $1054 $376 $22 $112 $2,117 $176
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Lincoln MKS insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $266 $490 $376 $22 $112 $1,266 $106
MKS 4-Dr Sedan $266 $490 $376 $22 $112 $1,266 $106
MKS Ecoboost AWD 4-Dr Sedan $292 $556 $376 $22 $112 $1,358 $113
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in garaging location in San Francisco which can raise or lower rates considerably.

Based on the figures above, using a $100 deductible will cost you about $59 more each month or $708 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 15 months between claims, you would probably come out ahead if you opt for a higher deductible.

Drive responsibly or pay higher rates

The chart below illustrates how speeding tickets and at-fault claims increase Lincoln MKS annual premium costs for different age groups of insureds. The information is based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

Annual premiums for males versus females in San Francisco

The information below illustrates the difference between Lincoln MKS car insurance costs for male and female drivers. The prices are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Full coverage versus liability only rates

The diagram below illustrates the comparison of Lincoln MKS insurance prices with and without full coverage. The costs are based on no violations or accidents, $250 deductibles, drivers are single, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no exact formula for dropping full coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Lincoln MKS replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after the deductible is paid. If premiums are more than $400 annually to have full coverage, then you might consider buying liability only.

There are some situations where only buying liability is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Verify you’re applying every discount

Companies offering auto insurance don’t list every discount available in an easy-to-find place, so we break down a few of the more common as well as the least known discounts that you may qualify for.Discount car insurance

One last thing about discounts, most discount credits are not given to the whole policy. Most only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts should help lower your car insurance premiums.

The example below illustrates the comparison of Lincoln MKS insurance rates with and without some available policy discounts. Data assumes a male driver, no violations or claims, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, marriage, and multi-policy discounts applied.

Companies that possibly offer these money-saving discounts are:

It’s a good idea to ask each insurance company which discounts they offer. Some of the discounts discussed earlier may not apply to policies in San Francisco. To see insurance companies that can offer you the previously mentioned discounts in California, click here.

Exclusive versus independent auto insurance agents

A small number of people still like to talk to a local agent and often times that is recommended One of the best bonuses of comparing rates online is you can get lower car insurance rates and still have a local agent.

After filling out this quick form, your information is instantly submitted to agents in your area who will give you quotes to get your business. There is no reason to visit any agencies because prices are sent instantly to you. You can find better rates and an insurance agent to talk to. If you need to compare prices from a particular provider, don’t hesitate to jump over to their website and fill out their quote form.

Picking an provider requires you to look at more than just a cheap quote. A good agent in San Francisco will have answers to these questions.

Insurance agent types

When looking for a good insurance agency, you should know the types of insurance agents and how they operate. Auto insurance agents are categorized either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Agents that choose to be exclusive work for only one company such as American Family, State Farm, and Allstate. Exclusive agents cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents are trained well on what they offer which aids in selling service over price.

The following is a short list of exclusive insurance agents in San Francisco that can give you price quotes.


655 14th StSan Francisco, CA 94114(415) 552-6200View Map


1734 Divisadero StSan Francisco, CA 94115(415) 359-9311View Map


206 Spear StSan Francisco, CA 94105(415) 441-1119View Map

More San Francisco agents

Independent Agents (or Brokers)

Independent agents are normally appointed by many insurers and that allows them to write policies through many different auto insurance companies and help determine which has the cheapest rates. If your premiums go up, your policy is moved internally which requires no work on your part.

When searching for an agent, we recommend you get insurance quotes from at least one independent agent to maximize your price options.

The following is a short list of independent agents in San Francisco that are able to give price quote information.


422 Presidio AveSan Francisco, CA 94115(415) 447-4212View Map


3428 Balboa StSan Francisco, CA 94121(415) 386-2283View Map


544 Golden Gate AveSan Francisco, CA 94102(415) 212-8190View Map

More San Francisco agents

If you feel you receive good responses for all questions you ask and locked in a price quote, most likely you have located an insurance agent that meets the criteria to properly service your auto insurance policy. But keep in mind once you purchase a policy you can terminate coverage whenever you want so don’t assume you are locked into your new company for the full policy term.

More comparisons equals cheap rates

We just covered a lot of techniques to lower your Lincoln MKS insurance car insurance rates in San Francisco. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the best car insurance rates are with a small mutual company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

As you prepare to switch companies, never reduce needed coverages to save money. In many instances, someone dropped comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

How to quote cheaper Lincoln MKS insurance in San Francisco

If saving money is your primary concern, then the best way to get budget Lincoln MKS insurance is to compare quotes annually from different companies who sell insurance in San Francisco.

First, read and learn about what coverages are included in your policy and the things you can control to keep rates low. Many rating factors that result in higher rates such as accidents, traffic violations, and poor credit history can be improved by being financially responsible and driving safely.

Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while independent agents can provide prices for many different companies. Click to view companies

Third, compare the quotes to your existing policy and determine if there is any savings. If you can save money and buy the policy, ensure there is no coverage lapse between policies.

Fourth, give notification to your agent or company to cancel your existing policy and submit the signed application along with the required initial payment to your new insurance company. Be sure to keep the new certificate of insurance with your registration paperwork.

An important note is to make sure you’re comparing the same deductibles and limits on each quote request and and to get price estimates from as many car insurance companies as possible. Doing this enables an apples-to-apples comparison and the best rate selection.

Additional insurance information can be read on the following sites: