Auto Insurance Rate Quotes for a Lincoln MKZ in Honolulu

Discount Lincoln MKZ insuranceWould you like to save money by finding lower-priced Lincoln MKZ insurance in Honolulu? Are you burned out from paying out the nose to make your insurance payment? You are no different than millions of other vehicle owners.

Amazingly, over 70% of consumers kept their coverage with the same insurance company for well over three years, and practically 40% of insurance customers have never compared rates with other companies. Drivers in Honolulu could pocket roughly 40% a year by just comparing rate quotes, but they mistakenly think it’s difficult to do a rate comparison.

How to find the cheapest rates for Lincoln MKZ insurance in Honolulu

The most effective way to get affordable Lincoln MKZ insurance is to do a yearly price comparison from providers who provide auto insurance in Honolulu.

First, try to learn a little about how insurance companies determine prices and the measures you can control to prevent expensive coverage. Many risk factors that cause rate increases like careless driving and a negative credit score can be controlled by paying attention to minor details.

Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive or Allstate, while independent agencies can give you price quotes from multiple insurance companies. Click to view companies

Third, compare the quotes to your existing rates and determine if there is any savings. If you can save some money and change companies, make sure there is no lapse in coverage.

Fourth, give notification to your agent or company of your intent to cancel your current coverage and submit a down payment along with a signed application to the new insurer. Immediately keep the new proof of insurance certificate along with the vehicle’s registration papers.

One thing to point out is to try to compare the same liability limits and deductibles on each quote request and and to get price quotes from all possible companies. This helps ensure a level playing field and a thorough price selection.

Insurance companies such as Allstate and Progressive all promote huge savings with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

If you have insurance now or are looking for a new policy, use these techniques to save money without having to cut coverage. Locating the best rates in Honolulu can initially seem challenging. Consumers just have to know the least time-consuming way to compare rate quotes instantly.

Companies offering Lincoln MKZ insurance in Honolulu

The companies shown below are our best choices to provide comparison quotes in Honolulu, HI. If multiple providers are shown, we suggest you visit as many as you can to find the most competitive auto insurance rates.

Detailed insurance information

The information displayed below outlines detailed analysis of prices for Lincoln MKZ models. Learning how policy premiums are established can assist in making decisions when shopping around.


Lincoln MKZ Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $182 $370 $306 $18 $92 $968 $81
MKZ AWD 4-Dr Sedan $182 $370 $306 $18 $92 $968 $81
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in specific Honolulu garaging location which can modify premiums greatly.

Rate comparison for different deductibles

When comparing insurance rates, the most common question is how high should the deductibles for physical damage be. The following tables can help you visualize the costs and benefits of buying low and high comp and collision deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.


Lincoln MKZ insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $258 $558 $300 $18 $90 $1,249 $104
MKZ AWD 4-Dr Sedan $258 $558 $300 $18 $90 $1,249 $104
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Lincoln MKZ insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $188 $378 $300 $18 $90 $974 $81
MKZ AWD 4-Dr Sedan $188 $378 $300 $18 $90 $974 $81
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in Honolulu location which can raise or lower prices significantly.

Based on the above data, using a $100 deductible will cost you about $23 more each month or $276 every year averaged for all MKZ models than requesting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 17 months between claim filings, you would more than likely save some money by selecting a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $104
Average monthly premium for $500 deductibles (subtract): – $81
Monthly savings from raising deductible: $23
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important issue to know is that a higher deductible means you will have to pay more out-of-pocket when you have a claim. That will require some available funds in the event you need to pay the deductible for vehicle repair.

The chart below illustrates how your deductible choice and can change Lincoln MKZ insurance prices for each different age group. The price estimates are based on a married male driver, comp and collision included, and no other discounts are factored in.

Tickets and at-fault accidents raise rates

The information below demonstrates how citations and at-fault fender-benders can impact Lincoln MKZ car insurance rates for different categories of driver ages. The premiums are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Does it make sense to buy full coverage?

The illustration below illustrates the comparison of Lincoln MKZ car insurance costs with and without physical damage coverage. The price estimates are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are factored in.

Are you wasting money on full coverage?

There is no set rule of when to drop full coverage, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Lincoln MKZ replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after paying your policy deductible. If you are paying more than $200 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some situations where only buying liability is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Car insurance policy discounts for Lincoln MKZ insurance in Honolulu

Some insurers don’t necessarily list every policy discount very clearly, so the next list breaks down both the well known and also the lesser-known discounts that may be available.Save money with discounts

Consumers should know that many deductions do not apply to the whole policy. Most only cut individual premiums such as comp or med pay. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

The example below compares Lincoln MKZ car insurance rates with and without policy discounts. The data is based on a male driver, no tickets, no at-fault accidents, Hawaii state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.

The best car insurance companies and some of their more popular discounts are:

When quoting, ask every prospective company what discounts are available to you. Savings may not be available everywhere.

You may want advice from a local insurance agent

A lot of people prefer to talk to a local agent and that is not a bad decision Agents are trained risk managers and give you someone to call. The best thing about comparing rate quotes online is that you can obtain cheaper rates and also buy local. And supporting local agencies is especially important in Honolulu.

Insurance agency in HonoluluOnce you complete this form (opens in new window), the coverage information is instantly submitted to local insurance agents who will give you bids for your insurance coverage. You never need to visit any agencies as quotes are delivered to your email. If you have a need to get a comparison quote from a specific insurance company, don’t hesitate to go to their quote page and submit a quote form there.

The difference between Honolulu car insurance agents

If you are wanting to purchase car insurance from a local Honolulu insurance agent, you must know there are a couple types of insurance agents to choose from. Car insurance agents may be either exclusive or independent agents depending on their company appointments. Either one can properly insure your vehicles, but it’s worth learning how they differ since it may influence your agent selection.

Independent Insurance Agents

Independent insurance agents are not employed by any specific company and that allows them to write policies with lots of companies and potentially find a lower price. If they find a lower price, they simply move the coverage in-house and the insured can keep the same agent.

When searching for an agent, you need to get rate quotes from several independent insurance agents in order to have the best price comparison.

Below is a small list of independent insurance agents in Honolulu that may be able to provide price quotes.


1100 Alakea St #2600Honolulu, HI 96813(808) 537-1970View Map


420 Waiakamilo RdHonolulu, HI 96817(808) 527-7667View Map


1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818Honolulu, HI 96818(808) 527-7777View Map

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Exclusive Car Insurance Agents

Agents that elect to be exclusive generally can only insure with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents are highly trained on their company’s products and that enables them to sell even at higher rates.

Below is a list of exclusive agents in Honolulu who can help you get price quote information.


4510 Salt Lake Boulevard Unit D15Honolulu, HI 96818(808) 486-1111View Map


7192 Kalanianaole Hwy g210Honolulu, HI 96825(808) 395-3434View Map


600 Kapiolani Blvd #210Honolulu, HI 96813(808) 599-7666View Map

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Finding the right insurance agency needs to be determined by more than just the quoted price. Here are some questions you might want to ask.

Auto insurance coverage options for a Lincoln MKZ

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

Coverage for medical expenses – Med pay and PIP coverage kick in for expenses for prosthetic devices, surgery and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Collision coverage – Collision insurance covers damage to your MKZ caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your MKZ to bring the cost down.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Lincoln MKZ.

Since many Hawaii drivers only carry the minimum required liability limits (Hawaii limits are 20/40/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, a broken windshield and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability – Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 20/40/10 which means $20,000 bodily injury coverage, a per accident bodily injury limit of $40,000, and a limit of $10,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as structural damage, repair costs for stationary objects, medical expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford. Hawaii state law requires minimum liability limits of 20/40/10 but it’s recommended drivers buy more coverage.

The next chart shows why the minimum limit may not be adequate.

What is YOUR best insurance company?

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There have been many situations where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

We’ve covered some good ideas how to compare Lincoln MKZ insurance premium rates in Honolulu. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even find the lowest premium rates come from a smaller regional carrier. These companies may have significantly lower prices on certain market segments than the large multi-state companies such as State Farm or Progressive.

Affordable Lincoln MKZ insurance in Honolulu can be found on the web as well as from insurance agents, and you need to comparison shop both to have the best selection. A few companies do not provide rates over the internet and these small, regional companies work with independent insurance agencies.

Steps to saving on Lincoln MKZ insurance in Honolulu

If you want to find the absolute lowest rates, then the best way to find affordable Lincoln MKZ insurance is to make a habit of regularly comparing prices from insurers who provide auto insurance in Honolulu.

  1. Try to comprehend car insurance and the things you can change to drop your rates. Many risk factors that result in higher prices such as traffic citations, accidents, and poor credit history can be controlled by making lifestyle changes or driving safer.
  2. Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while independent agents can provide prices for a wide range of companies.
  3. Compare the new rates to your current policy premium to see if you can save by switching companies. If you can save some money, verify that coverage does not lapse between policies.
  4. Provide proper notification to your current company to cancel your current policy. Submit a completed application and payment for your new coverage. As soon as you receive it, safely store the proof of insurance certificate along with your vehicle registration.

The key aspect of shopping around is that you use the same amount of coverage on each quote request and and to compare as many companies as feasibly possible. This helps ensure a fair rate comparison and many rates to choose from.

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