Car Insurance Quotes for a Lincoln LS in Plano

It’s a fact that insurance companies don’t want their customers to go rate shopping. Consumers who get comparison quotes at least once a year will most likely switch to a new company because they stand a good chance of finding a policy with more affordable rates. A recent auto insurance study revealed that people who made a habit of comparing rate quotes saved an average of $3,450 over four years as compared to drivers who didn’t regularly shop around.

If finding the cheapest rates on Lincoln LS insurance in Plano is your intention, then knowing how to shop and compare coverages can make it simple to find affordable coverage.

Insurance quote for Lincoln LS in PlanoIf you want to save money, the best way to find the cheapest price for car insurance rates is to do an annual price comparison from insurance carriers in Plano.

  1. Try to understand the coverage provided by your policy and the factors you can control to keep rates down. Many factors that are responsible for high rates like traffic citations and an unacceptable credit rating can be improved by making lifestyle changes or driving safer. Keep reading for ideas to help find cheaper rates and get discounts that may be overlooked.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agents can provide rate quotes for a wide range of companies.
  3. Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you can save money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good tip to remember is to use similar limits and deductibles on every price quote and and to compare as many different insurance providers as possible. Doing this guarantees an apples-to-apples comparison and the best rate selection.

The goal of this article is to introduce you to how car insurance quotes work and how to save the most money. If you already have coverage, you will most likely be able to reduce premiums using the following tips. Although Texas car owners do need to know the way companies compete online.

Best companies for Lincoln LS insurance

The companies shown below are our best choices to provide price quotes in Texas. If multiple companies are listed, we recommend you get prices from several of them to get the best price comparison.

Smart Consumers Can Save Money

It’s important that you understand some of the elements that help determine car insurance rates. When you know what positively or negatively determines base rates, this enables you to make decisions that could help you find cheaper rates.

Lower rates by qualifying for discounts

Car insurance companies don’t always publicize all possible discounts very well, so below is a list a few of the more well known as well as the least known ways to save on car insurance.Save money with discounts

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

A list of companies and a summarized list of policyholder discounts include:

When quoting, ask each insurance company what discounts are available to you. Savings may not apply in Plano. For a list of car insurance companies that offer discounts in Texas, follow this link.

Local agents and insurance

Many drivers just prefer to sit down with an agent and that is not a bad decision One of the best bonuses of comparing insurance online is the fact that you can find cheap rate quotes but still work with a licensed agent. Putting coverage with small agencies is still important in Plano.

Insurance agents in PlanoAfter completing this form (opens in new window), your information gets sent to companies in Plano who will give you quotes for your insurance coverage. You won’t even need to find an agent on your own since price quotes are sent directly to your email. You can get cheaper insurance rates without requiring a lot of work. If you wish to get a comparison quote from one company in particular, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.

When narrowing the list to find a good Plano insurance agent, there are a couple of types of agencies that you can choose from. Insurance agents may be either exclusive or independent.

Independent Insurance Agents (or Brokers)

Independent agents do not sell for just one brand and that is an advantage because they can write policies through many different insurance companies and find the cheapest rate. To transfer your coverage to a different company, the agent simply finds a different carrier and the insured can keep the same agent.

When comparison shopping, you will definitely want to include at a minimum one independent agency so that you can do a thorough price comparison.

Featured below is a short list of independent insurance agents in Plano that may be able to give price quotes.


6305 Preston Rd Suite 1000Plano, TX 75024(972) 473-4813View Map


2770 Main St #104Frisco, TX 75033(972) 380-6677View Map


5048 Tennyson Pkwy #250Plano, TX 75024(972) 801-9188View Map

View more Plano agents

Exclusive Agents

Agents of this type normally can only provide a single company’s rates like State Farm, AAA, and Liberty Mutual. They are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. These agents are usually quite knowledgeable on what they offer which helps offset the inability to provide other markets.

Listed below is a short list of exclusive insurance agents in Plano that are able to give price quote information.


8612 Preston Rd d119Plano, TX 75024(972) 384-2660View Map


5501 Independence Pkwy Ste 311Plano, TX 75023(972) 519-0936View Map


5068 W Plano Pkwy Ste 277Plano, TX 75093(972) 250-4700View Map

View more Plano agents

Choosing the best auto insurance agent shouldn’t rely on just a cheap quote. Any agent in Plano should have no problem answering these questions:

Best auto insurance company in Texas

Finding the best company can be difficult considering how many companies there are in Plano. The information shown below could help you select which car insurance providers to look at purchasing coverage from.

Top 10 Plano Car Insurance Companies Ranked by Customer Service

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

Don’t give up on affordable coverage

Cheaper insurance in Plano can be bought on the web as well as from insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide the ability to get a quote online and usually these regional insurance providers only sell through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where an insured cut comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.

We just presented a lot of techniques to save on Lincoln LS insurance in Plano. The key thing to remember is the more quotes you get, the better chance you’ll have of finding low cost Plano car insurance quotes. Consumers may even find the best premium rates are with the smaller companies. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.

Additional insurance information can be read below: