Compare 1998 Lincoln Mark VIII Car Insurance Quotes

Having to pay for overpriced Lincoln Mark VIII insurance can overdraw your savings account and make it impossible to make ends meet. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket. There are many auto insurance companies to insure vehicles with, and even though it’s nice to have a selection, having more car insurance companies makes it harder to compare rates and cut insurance costs.

The quickest method we recommend to compare car insurance company rates is to realize most of the larger companies pay for the opportunity to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details including how much education you have, distance driven, how you use your vehicles, and if your license is active. Those rating factors is then sent to many different companies and you will receive price estimates instantly to find the best rate.

Verify you’re getting all your discounts

Car insurance companies don’t list every available discount very well, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Safety Course Discount – Taking part in a driver safety course could save 5% or more if your company offers it.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on Mark VIII insurance with select insurance companies.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on Mark VIII insurance than drivers with accidents.
  • Club Memberships – Being a member of a qualifying organization could trigger savings when shopping for car insurance on Mark VIII insurance.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you can actually save on your bill.

Keep in mind that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

Companies that may have these benefits are:

It’s a good idea to ask every prospective company which discounts they offer. Discounts may not be available in your area.

When should I talk to an agent?

When it comes to buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Is my 1998 Lincoln Mark VIII covered for smoke damage?
  • Am I covered if I crash into my own garage door?
  • Do I need medical payments coverage since I have good health insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance coverages for a Lincoln Mark VIII

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages offered by car insurance companies.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1998 Lincoln Mark VIII.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, damage from getting keyed, hail damage and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as hospital visits, funeral costs, surgery and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability

This coverage provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like repair costs for stationary objects, loss of income, emergency aid and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.