Compare 2016 Lincoln MKT Insurance Quotes

Overpriced Lincoln MKT insurance can draw down your savings account and put the squeeze on your family’s finances. Comparison shopping can lower your rates and help to lower your bills every month.

Because there are so many options when it comes to car insurance, it can be diffult for people to choose the right car insurance company.

Locating the lowest cost auto insurance coverage is easy if you know what you’re doing. Basically, everyone who shops for auto insurance will more than likely be able to save money. But drivers need to learn the way insurance companies market insurance on the web because it can help you find the best coverage.

Smart consumers save on insurance

A large part of saving on car insurance is knowing some of the factors that play a part in calculating the price you pay for car insurance. When you understand what determines premiums, this enables you to make decisions that can earn you better car insurance rates. Lots of things are considered when you get your auto insurance bill. Some are pretty understandable such as your driving record, although others are not as apparent such as whether you are married or how financially stable you are.

The itemized list below are some of the most rate-impacting factors used by your company to calculate premiums.

  • Premiums are lower the older you get – Teen drivers tend to get distracted easily when behind the wheel so car insurance rates are higher. Mature drivers are shown to be more cautious, cause fewer claims and accidents and are safer drivers.
  • Reserve insurance claims for larger damages – If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance companies provide most affordable rates to drivers who file claims infrequently. Your car insurance is intended for more catestrophic claims.
  • Drivers with excellent credit save on car insurance – A driver’s credit score is a large factor in calculating your car insurance rates. Drivers who have very good credit scores tend to file fewer claims than drivers with lower credit scores. If your credit rating can be improved, you could pay less to insure your 2016 Lincoln MKT by repairing your credit.
  • Never allow your car insurance to lapse – Not maintaining insurance is a misdemeanor and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay more, the inability to provide proof of insurance can result in a hefty fine and possibly a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Compare auto insurance price quotes

When shopping for cheap insurance quotes, there are a couple of ways to compare prices from different companies. The fastest way to find affordable 2016 Lincoln MKT insurance rates involves getting comparison quotes online. This is quite simple and can be completed in just a few minutes using one of these methods.

  1. One of the fastest ways to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This form keeps you from doing a different quote for each company. One simple form will get you price quotes from several companies.
  2. A different way to get comparison quotes requires you to visit each individual company website to request a price quote. For instance, we’ll pretend you want comparison quotes from USAA, Geico and American Family. To get each rate you have to go to each individual site and enter your information, which is not fast way to get rate quotes. For a list of companies in your area, click here.
  3. The least efficient way to get comparison rates is making phone calls or going to all the different insurance agencies. The ability to buy insurance online eliminates the middleman unless you require the peace of mind of a local agent. Although you can price shop online and get advice from an agent in your area.

How you compare quotes is your choice, just do your best to use exactly the same coverage limits for every quote you compare. If you enter different deductibles you will not be able to determine the best price for your Lincoln MKT. Just slight variations in limits could mean much higher rates. Just keep in mind that comparing a wide range of rates helps you find the best rates. Not every company allows you to get quotes online, so it’s important to compare price estimates on coverage from those companies, too.

Do you qualify for discounts?

Companies offering auto insurance do not list all their discounts very well, so here is a list a few of the more common as well as the least known ways to save on insurance coverage.

  • Active Military Service – Having a family member in the military may lower your rates slightly.
  • Safety Course Discount – Participating in a defensive driving class could save 5% or more and also improve your driving technique.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Claim Free – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote compared to frequent claim filers.
  • College Student Discount – College-age children who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.

We need to note that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

To find insurers that offer discounts, follow this link.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to choosing the best insurance coverage coverage, there really is no one size fits all plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Does car insurance cover theft of personal property?
  • What vehicles should carry emergency assistance coverage?
  • Do I really need UM/UIM coverage?
  • Am I getting all the discounts available?
  • Does insurance cover damages from a DUI accident?
  • Why do I only qualify for high-risk insurance?
  • How can I force my company to pay a claim?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Information about specific coverages

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses for chiropractic care, X-ray expenses, surgery and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Lincoln MKT.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance – This coverage protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, court costs, legal defense fees, attorney fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage – Collision coverage will pay to fix damage to your MKT resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, rolling your car, backing into a parked car, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, damage from flooding, hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Saving money makes a lot of cents

Throughout this article, we presented quite a bit of information on how to save on 2016 Lincoln MKT insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting inexpensive insurance. You may be surprised to find that the biggest savings come from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive or Geico.

When shopping online for insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at the best possible price, not the least amount of coverage.

A few companies don’t offer the ability to get quotes online and most of the time these regional insurance providers provide coverage only through independent agencies. The cheapest 2016 Lincoln MKT insurance is possible from both online companies and from local agencies, and you should be comparing both to get a complete price analysis.

Much more information about insurance can be found at these links: