2007 Lincoln MKZ Insurance Quotes – 7 Tricks for Cheapest Rates

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are lots of people in the same boat.

You have multiple car insurance companies to pick from, and even though it’s nice to have a selection, it can be more challenging to adequately compare rates.

It’s important to shop coverage around at least once a year because insurance rates are variable and change quite frequently. Just because you found the lowest rates for MKZ insurance six months ago you will most likely find a better rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the easiest ways to buy cheaper car insurance.

Save with discounts on 2007 Lincoln MKZ insurance

Companies do not advertise all their discounts in an easy-to-find place, so we break down both well-publicized and the harder-to-find auto insurance savings.

  • Low Mileage – Fewer annual miles on your Lincoln can earn discounted rates on garaged vehicles.
  • Good Student – This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • College Student – Children who live away from home and do not have a car can receive lower rates.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • One Accident Forgiven – Some insurance companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.

It’s important to understand that some credits don’t apply to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of insurers with discount auto insurance rates, follow this link.

Auto Insurance Comparison Rates

There are multiple methods to compare 2007 Lincoln MKZ auto insurance quotes, but some are less labor-intensive and much quicker. You could waste time driving to insurance agencies in your area, or you can utilize the internet to get rates in a matter of minutes.

Many of the larger companies enroll in a system where insurance shoppers send in one quote, and each company returns a competitive quote based on the submitted data. This saves time by eliminating repetitive form submissions for every auto insurance company.

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

The one downside to using this type of form is you can’t choose which insurance companies to get quotes from. So if you want to choose from a list of companies to compare, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just compare the exact same coverages and limits with each company. If you enter different values for each quote it’s impossible to find the best deal for your Lincoln MKZ. Having just a slight variation in coverages may cause a big price difference. And when quoting auto insurance, remember that getting more free quotes provides better odds of finding a better price.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might point out if your insurance needs may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does medical payments coverage apply to all occupants?
  • Does my insurance cover my expensive audio equipment?
  • Is my trailer covered?
  • Is business property covered if stolen from my car?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Parts of your auto insurance policy

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on the average auto insurance policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Auto collision coverage

This coverage will pay to fix damage to your MKZ caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers things like vandalism, fire damage, falling objects, hail damage and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as X-ray expenses, surgery, funeral costs and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance can cover damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as pain and suffering, loss of income and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Better coverage you can count on

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Cost effective 2007 Lincoln MKZ insurance can be sourced online and with local insurance agents, and you need to price shop both to have the best selection. Some companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Much more information about insurance can be read on the following sites: