2010 Lincoln MKS Car Insurance Cost – 10 Ways to Save

Are you tired of not being able to afford to buy car insurance? You’re in the same situation as many other drivers.

Consumers have many car insurance companies to buy insurance from, and though it is a good thing to have multiple companies, having more insurance companies makes it harder to get the best deal.

It’s smart to get comparison quotes occasionally since insurance rates are rarely the same from one policy term to another. Just because you found the lowest rates for MKS coverage a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out the fastest and easiest way to find better coverage at a better price.

Shopping for the lowest cost auto insurance can be fairly easy. Essentially every driver who buys auto insurance will most likely be able to find lower rates. Although car owners do need to understand how big insurance companies sell insurance online and apply this information to your search.

How to Compare Auto Insurance Costs

To find the best auto insurance prices, there are several ways to compare rate quotes and find the best price. The easiest way by far to compare 2010 Lincoln MKS insurance prices consists of shopping online. It is quite easy and can be accomplished in several different ways.

  • The recommended way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method saves time by eliminating boring form submissions to each individual auto insurance company. Completing one form will get you price quotes from all major companies.
  • A more time consuming way to compare rate quotes is to manually visit the website for each individual company and fill out their own quote form. For example, let’s assume you want comparison quotes from Liberty Mutual, Progressive and GEICO. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using the exact same coverage limits for every quote you compare. If you enter different liability limits you will not be able to make a fair comparison for your Lincoln MKS. Just a small difference in coverages may result in large price differences. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting a lower rate.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be applied when you purchase, but a few need to be manually applied in order for you to get them.

  • Accident Free – Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on your policy for MKS coverage.
  • Homeowners Pay Less – Owning a house can save you money because maintaining a house is proof that your finances are in order.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for MKS coverage than less cautious drivers.
  • Driver’s Ed – Have your child take driver’s ed class in school.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Low Mileage Discounts – Low mileage vehicles can earn better rates on cars that stay parked.
  • Resident Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.
  • Multiple Vehicles – Having multiple vehicles on the same insurance policy can get a discount on all vehicles.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will reduce the amount you have to pay.

A partial list of companies that may have these discounts may include but are not limited to:

Double check with every prospective company how you can save money. All car insurance discounts may not apply in your area.

Will just any policy work for me?

When choosing the best insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine if your situation will benefit from professional help.

  • How much liability do I need to cover my assets?
  • What is roadside assistance coverage?
  • Is rental equipment covered for theft or damage?
  • How much liability coverage do I need in my state?
  • Do I need special endorsements for business use of my vehicle?
  • Does my insurance cover a custom paint job?
  • Can my babysitter drive my car?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

What insurance coverages do you need?

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like chiropractic care, nursing services, pain medications and ambulance fees. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lincoln MKS.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive protection – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hail damage, damage from flooding and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages – This coverage can cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, funeral expenses, court costs, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.