Save on 2013 Lincoln MKZ Car Insurance Cost

Trying to find lower auto insurance rates? Buyers have options when searching for low-cost Lincoln MKZ insurance. They can either waste time calling around trying to get quotes or leverage the internet to get rate quotes.

There are more efficient ways to find auto insurance online so we’re going to tell you the proper way to compare rates for a Lincoln and get the best price possible from both online companies and local agents.

How to Compare Insurance Quotes

There are a lot of ways to compare insurance prices and some are more efficient than others. You can spend your afternoon driving to local insurance agents in your area, or you could use the web to get prices fast.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company then returns a price quote for coverage. This saves time by eliminating quotation requests for each company.

To access this free quoting program, click to open in new window.

The one disadvantage to comparing rates this way is that you can’t choose which insurance companies you want to price. So if you prefer to choose individual companies to compare, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using the exact same quote information for each price quote. If each company quotes unequal deductibles or liability limits you can’t possibly determine the best price for your Lincoln MKZ.

Why your Lincoln MKZ insurance rates may be high

It’s important that you understand the rating factors that go into determining the rates you pay for car insurance. Understanding what influences your rates enables informed choices that may reward you with lower car insurance prices.

Listed below are a partial list of the pieces car insurance companies consider when setting rates.

  • Protect yourself with liability coverage – Your policy’s liability coverage provides coverage if a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Safe vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles result in less severe injuries and lower injury rates means lower claim amounts passed on to you as lower rates. If your Lincoln MKZ scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Little extras can really add up – There are quite a few extra bells and whistles that can waste your money on your 2013 MKZ policy. Insurance for personal injury protection, accident forgiveness and motor club memberships are examples of these. They may seem good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Rate your vehicle for proper use – Driving more miles every year the higher your rates will be. Most insurance companies charge to insure your cars based on their usage. Vehicles left parked in the garage can get a lower rate than those used for commuting. An improperly rated MKZ can result in significantly higher rates. Make sure your car insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Bad driving skills means higher rates – Drivers with clean records get better rates than people who have multiple driving citations. Just one moving violation may increase your cost twenty percent or more. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Poor credit can mean higher rates – Having a bad credit rating is a important factor in determining what you pay for car insurance. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower ratings. If your credit history can use some improvement, you could pay less to insure your 2013 Lincoln MKZ by improving your rating.

Do you qualify for a discount?

Insuring your vehicles can cost a lot, but you may find discounts that many people don’t even know exist. Some discounts apply automatically when you complete an application, but some must be asked for before they will apply. If you’re not getting every credit possible, you’re paying more than you need to.

  • Homeowners Discount – Owning a home can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy qualifies for this discount.
  • Student in College – Kids in college living away from home attending college and don’t have a car may be able to be covered for less.
  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may save approximately 10% to 15%.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, insurance coverage companies aren’t that generous. Any qualifying discounts will bring down the cost of coverage.

Insurance companies that possibly offer these discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Some discounts might not apply in your state.

What coverages do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

For example, these questions may help highlight if you would benefit from professional advice.

  • Is there coverage for injuries to my pets?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my 2013 Lincoln MKZ need full coverage?
  • Which companies will insure high-risk drivers?
  • What if I total my 2013 Lincoln MKZ and owe more than it’s worth?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

What insurance coverages do you need?

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability coverage

This will cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, repair bills for other people’s vehicles, funeral expenses, medical services and loss of income. How much coverage you buy is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Lincoln MKZ.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Coverage for collisions

Collision coverage pays for damage to your MKZ resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, rolling your car, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses for surgery, pain medications, nursing services, rehabilitation expenses and funeral costs. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, vandalism, damage from a tornado or hurricane and hitting a bird. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

You can do this!

We just presented many ideas to shop for 2013 Lincoln MKZ insurance online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the biggest savings come from a smaller regional carrier.

Cost effective insurance is available both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

Drivers who switch companies do it for many reasons like an unsatisfactory settlement offer, extreme rates for teen drivers, high rates after DUI convictions or even policy non-renewal. Whatever your reason, choosing a new company can be pretty painless.

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