Save on 1996 Lincoln Mark VIII Insurance Quotes

Looking for the cheapest car insurance rates for your Lincoln Mark VIII? Sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than millions of other consumers. Big companies like Allstate, Liberty Mutual and State Farm constantly blast consumers with advertising and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Comprehensive Insurance Coverage Comparison

Cutting your insurance coverage rates can be surprisingly simple. You just have to spend a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

The recommended way to get quotes is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating boring form submissions for each company. Filling out one form gets you coverage quotes from multiple low-cost companies.
A different way to compare prices requires visiting each individual company website and fill out their own quote form. For examples sake, we’ll pretend you want to compare Geico, Esurance and State Farm. To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, be sure to compare apples-to-apples coverages and limits for every company. If you are comparing higher or lower deductibles then you won’t be able to make an equal comparison.

Save on Lincoln Mark VIII insurance

Car insurance can cost a lot, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but a few need to be asked about in order for you to get them. If you’re not getting every credit you qualify for, you’re paying more than you need to.

No Claims – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
Sign Online – Some insurance companies will give a small break for buying a policy and signing up online.
More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Homeowners Pay Less – Owning a house may trigger a insurance policy discount because maintaining a house shows financial diligence.
Club Memberships – Being a member of certain professional organizations may earn a discount when buying insurance on Mark VIII insurance.
Auto/Home Discount – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
Payment Discounts – If you pay your bill all at once instead of paying each month you can actually save on your bill.
Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will bring down your premiums.

For a list of providers who offer insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique so your insurance needs to address that. For example, these questions can aid in determining whether or not you may require specific advice.

Is my Lincoln Mark VIII covered if I use it for business?
Do I need motorclub coverage?
Does my insurance cover a custom paint job?
Do I have coverage when using my vehicle for my home business?
How can I get high-risk coverage after a DUI?
What if I don’t agree with a claim settlement offer?
Can I still get insurance after a DUI?
Is my 1996 Lincoln Mark VIII covered for smoke damage?
Should I file a claim if it’s only slightly more than my deductible?
Am I covered when driving someone else’s vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverages for a Lincoln Mark VIII

Understanding the coverages of auto insurance helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to other people or property. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like attorney fees, repair costs for stationary objects, loss of income, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like rehabilitation expenses, surgery, funeral costs and pain medications. They are often used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This pays for damage to your Mark VIII caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, hail damage, falling objects, theft and a tree branch falling on your vehicle. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.