Save on 2018 Lincoln MKT Insurance Rates

Searching for cheaper auto insurance rates for your Lincoln MKT? Vehicle owners who just recently started comparing auto insurance rates on the internet are likely to find purchasing cheap insurance is nearly impossible.

This article will tell you the best way to quote coverages. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. But car owners need to have an understanding of the methods companies use to price online insurance and use this information to your advantage.

Compare auto insurance price quotes

The majority of larger companies provide price estimates on their websites. Doing online quotes is possible for anyone because it’s just a matter of typing in on the page. When complete, the quote system will order information on your driving record and credit history and returns pricing information.

Quoting online makes comparing rates easy, but the time required to go to several different sites and type in the same information is a waste of time. Unfortunately, it is important to compare as many rates as possible in order to get the lowest possible prices on auto insurance.

An easier way to find cheaper rates makes use of a single form to return rates from multiple companies. The form is fast, reduces the work, and makes rate comparisons much easier to do. As soon as the form is sent, it is rated and you are able to buy any one of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To compare pricing, click here and fill out the form. If you currently have coverage, we recommend you duplicate deductibles and limits identical to your current policy. This guarantees you will have a price comparison for similar coverage.

Find Lincoln MKT insurance at a discount

One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that help calculate your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that could result in lower premium levels.

  • Do you really need roadside assistance? – There are quite a few extra bells and whistles that can add up if you aren’t careful. Coverages like personal injury protection, death and dismemberment, and term life insurance may not be needed and are just wasting money. You may think they are a good idea when discussing your needs, but your needs may have changed so remove them and pocket the money.
  • Higher premiums for specific occupations – Do you have a high-stress occupation? Careers such as judges, executives and dentists usually pay the highest average rates because of stressful work requirements and extremely grueling work hours. Other occupations such as scientists, historians and homemakers pay lower than average rates on MKT insurance.
  • Is car insurance cheaper for males or females? – Statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. Males and females get in fender benders at about the same rate, but guys cause more damage and cost insurance companies more money. They also get ticketed for serious violations like reckless driving and DUI. Young males are most likely to cause an accident so they pay the highest premiums.
  • Choose high safety ratings and save – Vehicles that have high safety ratings tend to have lower insurance rates. These vehicles protect occupants better and reduced instances of injuries means less claims paid and cheaper rates on your policy. If your Lincoln MKT has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • More annual miles equals more premium – The more you drive in a year’s time the higher the price you pay to insure it. A lot of companies price each vehicle’s coverage based upon how much you drive. Autos not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your car insurance policy is showing the correct driver usage. A policy that improperly rates your MKT is just wasting money.

You may qualify for discounts

Car insurance is expensive, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but some must be specially asked for in order for you to get them. If you’re not getting every credit possible, you’re paying more than you need to.

  • One Accident Forgiven – but a handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Multiple Policy Discount – If you can bundle your homeowners and auto insurance with one company you could get a discount of at least 10 to 15 percent or more.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and therefore earn up to a 10% discount.
  • Air Bags and Passive Restraints – Factory options such as air bags can get savings as much as 30%.
  • Multiple Vehicles – Drivers who insure multiple vehicles with one company can get a discount on all vehicles.
  • Responsible Driver Discount – Drivers who avoid accidents can save up to 40% or more on their insurance quote on MKT insurance compared to accident prone drivers.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Larger car insurance companies and some of the premium reductions they offer are outlined below.

  • State Farm has savings for good student, Drive Safe & Save, accident-free, multiple policy, and anti-theft.
  • Progressive discounts include multi-policy, online quote discount, good student, online signing, multi-vehicle, continuous coverage, and homeowner.
  • Progressive offers discounts for good student, homeowner, online signing, continuous coverage, online quote discount, multi-vehicle, and multi-policy.
  • MetLife policyholders can earn discounts including defensive driver, multi-policy, good driver, accident-free, good student, claim-free
  • Farm Bureau offers discounts including safe driver, good student, 55 and retired, multi-vehicle, driver training, and multi-policy.
  • Geico may offer discounts for driver training, multi-policy, good student, federal employee, defensive driver, anti-theft, and emergency military deployment.
  • SAFECO includes discounts for teen safety rewards, homeowner, anti-lock brakes, teen safe driver, multi-car, accident prevention training, and bundle discounts.

Before buying, ask each company or agent how many discounts you can get. Some credits might not be offered on policies in your area.

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

When choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions can aid in determining if your insurance needs could use an agent’s help.

  • When can I cancel my policy?
  • How does medical payments coverage work?
  • Why does it cost so much to insure a teen driver?
  • What is the difference between comprehensive and collision coverage?
  • Does car insurance cover theft of personal property?
  • Which companies will insure high-risk drivers?
  • Can I get a multi-policy discount?
  • Is my Lincoln MKT covered if I use it for business?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Information about specific coverages

Understanding the coverages of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Lincoln MKT.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Liability insurance

Liability coverage can cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair bills for other people’s vehicles, court costs and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses like nursing services, doctor visits, ambulance fees, dental work and chiropractic care. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, rock chips in glass, hitting a deer, falling objects and hitting a bird. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage will pay to fix damage to your MKT from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

One last thing

As you shop your coverage around, do not reduce coverage to reduce premium. There are many occasions where someone dropped full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best cost.

Insureds change insurance companies for a variety of reasons including poor customer service, questionable increases in premium, an unsatisfactory settlement offer and even high prices. Regardless of your reason, choosing a new company can be easier than you think.

Budget-friendly car insurance can be found on the web and from local agencies, and you should compare rates from both to get a complete price analysis. Some insurance providers may not offer the ability to get a quote online and usually these small insurance companies work with independent insurance agents.

Additional detailed information can be found by following these links: