Cheaper 2016 Lincoln MKS Insurance Cost

Drivers have a choice when trying to find affordable Lincoln MKS insurance. You can either spend your time driving around trying to get quotes or use the internet to compare rates. There is a right way and a wrong way to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage on a Lincoln and find the lowest possible price.

Buying car insurance is not rocket science. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Consumers just need to learn the best way to compare price quotes over the internet.

Learn how to lower your insurance rates

An important part of buying insurance is that you know the rating factors that help determine the price you pay for auto insurance. If you understand what controls the rates you pay, this enables you to make decisions that may result in better auto insurance rates.

Listed below are most of the major factors that factor into rates.

  • Mature drivers pay less – Mature drivers tend to be more responsible, cause fewer claims and accidents and get fewer tickets.Teenage drivers are statistically proven to get distracted easily with other occupants in the car so they pay higher auto insurance rates.
  • GPS tracking and theft deterrents lower auto insurance rates – Purchasing a vehicle with a theft deterrent system can save you some money. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.
  • Rate your vehicle for proper use – The more miles you rack up on your Lincoln annually the higher the price you pay to insure it. A lot of insurance companies charge rates based upon how the vehicle is primarily used. Vehicles not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your policy shows the right rating data, because improper ratings can cost you money. A policy that improperly rates your MKS can cost quite a bit.
  • Your stress level may be raising your prices – Did you know that where you work can have an impact on rates? Occupations such as judgespolice officers and dentists tend to pay the highest rates due to high stress levels and long work hours. On the flip side, careers such as scientists, engineers and retirees receive lower rates on MKS coverage.
  • Guys tend to take more risk – Statistics show that females take fewer risks when driving. This data doesn’t prove that females are better at driving than males. Both genders are responsible for fender benders at about the same rate, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also have more aggressive citations such as DWI and reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and are penalized with high auto insurance rates.

You may qualify for discounts

Insurance can be prohibitively expensive, but you may find discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be inquired about in order for you to get them. If you do not check that you are getting every discount available, you are just wasting money.

  • Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
  • ABS Brakes – Cars that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Mature Driver Discount – Older drivers can get a discount up to 10% on MKS coverage.
  • Multiple Cars – Purchasing coverage when you have more than one vehicle on one policy can get a discount for every vehicle.
  • Low Mileage Discounts – Driving less could be rewarded with discounted prices on garaged vehicles.

One last thing about discounts, most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.

A list of companies and some of their more popular discounts are:

  • Farm Bureau offers discounts including multi-vehicle, youthful driver, multi-policy, safe driver, 55 and retired, renewal discount, and driver training.
  • State Farm has discounts for accident-free, driver’s education, student away at school, passive restraint, multiple policy, and Drive Safe & Save.
  • Progressive may offer discounts for good student, multi-vehicle, continuous coverage, multi-policy, homeowner, and online signing.
  • Allstate may include discounts for good payer, premier discount, teenSMART discount, good student, FullPay discount, and farm vehicle.
  • Nationwide includes discounts for multi-policy, Farm Bureau membership, good student, business or organization, defensive driving, and anti-theft.
  • MetLife discounts include accident-free, multi-policy, claim-free, good driver, defensive driver, good student

If you want low cost insurance coverage quotes, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in every state. To locate providers that can offer you the previously mentioned discounts, click here.

Save $384 a year! What?

Drivers can’t get away from all the ads that claim the best car insurance rates from the likes of GEICO, State Farm and Progressive. They all have a common claim that drivers will save a bundle if you switch to them.

Is it even possible that every company can give you a better price? Just pay attention to how they say it.

All the different companies have underwriting criteria for the type of driver they prefer to insure. For instance, a driver they prefer could possibly be over the age of 45, has no tickets, and insures a new vehicle. Any person that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who cannot meet the “perfect” profile may be forced to pay a higher rate and ends up with business not being written. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way insurance companies can claim big savings. Different companies use different criteria so you absolutely need to do a price quote comparison at every renewal. It’s impossible to know which insurance companies will have the best prices for your profile.

There’s no such thing as the perfect car insurance policy

When choosing the best car insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions might help in determining if you will benefit from professional help.

  • How can I force my company to pay a claim?
  • Is my 2016 Lincoln MKS covered for flood damage?
  • Am I covered if I hit my neighbor’s mailbox?
  • When do I need to add a new car to my policy?
  • Why does it cost so much to insure a teen driver?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy specifics

Learning about specific coverages of a insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2016 Lincoln MKS.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive insurance – This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, hitting a bird, a tree branch falling on your vehicle, fire damage and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage covers damage to your MKS caused by 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 insurance covers things such as sideswiping another vehicle, crashing into a ditch, hitting a parking meter, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Auto liability insurance – This coverage provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as structural damage, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for dental work, doctor visits, X-ray expenses, nursing services and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Keep this in mind

Insureds who switch companies do it for any number of reasons including questionable increases in premium, delays in paying claims, an unsatisfactory settlement offer or even being labeled a high risk driver. Whatever your reason, finding a great new company is not as difficult as it may seem.

When you buy insurance coverage online, never buy less coverage just to save a little money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at the best price.

Lower-priced 2016 Lincoln MKS insurance is attainable on the web and also from your neighborhood agents, so you should compare both to have the best selection. Some companies do not provide rate quotes online and usually these small, regional companies prefer to sell through independent agents.

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