1992 Lincoln Mark VII Car Insurance Quotes – 9 Policy Discounts

Have you fallen victim to an underperforming, overpriced auto insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their auto insurance policy. Because there are so many options, it can be impossible to choose the cheapest insurance company.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Drivers just need to know the most effective way to compare price quotes on the web.

Vehicle Insurance Comparison

There are several ways to shop for Lincoln Mark VII auto insurance, but one way is more efficient than others. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

All the larger companies are enrolled in a marketplace where insurance shoppers complete one form, and each participating company provides a quote for coverage. This prevents consumers from doing quote requests for every auto insurance company.

To participate in this free quote system, click here to start a free quote.

The one downside to getting quotes like this is you cannot specify which carriers to receive prices from. So if you prefer to pick specific providers to receive pricing from, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples quote information on every quote. If you have different limits and deductibles on each one you will not be able to decipher which rate is best.

Discounts mean cheaper Lincoln Mark VII insurance rates

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit available, you’re paying more than you need to.

  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Auto/Life Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Clubs and Organizations – Being a member of a civic or occupational organization could trigger savings when shopping for car insurance for Mark VII coverage.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Drive Safe and Save – Safe drivers may save up to 50% more for Mark VII coverage than drivers with accident claims.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • Student in College – Kids in college who live away from home and do not have a car may qualify for this discount.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Lincoln could be rewarded with better rates on cars that stay parked.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like you can get free auto insurance, you’re out of luck.

To see a list of insurance companies with discount car insurance rates, follow this link.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I break a side mirror?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, theft and fire damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision insurance pays for damage to your Mark VII caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverages – Liability insurance protects you from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for X-ray expenses, nursing services, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability 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.

A penny saved is a penny earned

We just covered a lot of tips how to compare 1992 Lincoln Mark VII insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a small mutual company. Smaller companies can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

Cheap insurance can be sourced from both online companies and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance coverage companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured dropped full coverage and learned later that they should have had better coverage. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

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