2009 Lincoln MKS Insurance Rates – 10 Savings Tips

Searching for lower insurance rates for your Lincoln MKS? Pretty sure you bought an overpriced insurance policy? Trust us when we tell you many drivers have buyer’s remorse. Insurance companies such as Progressive, GEICO and Farmers Insurance constantly bombard you with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

Consumers should take time to do price comparisons on a regular basis since prices are constantly changing. Even if you got the best price for MKS insurance on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because you’re going to learn the things you must know in order to find better rates and still maintain coverage.

If you have insurance now or are looking for a new policy, you can learn to reduce the price you pay while maximizing coverage. Finding affordable coverage is not that difficult. Drivers just need to know the most effective way to shop over the internet.

Compare free auto insurance rate quotes

There are a variety of methods to shop for auto insurance, but there is one way that is less labor-intensive and much quicker. You could waste a few hours talking about coverages with local insurance agents in your area, or you could use online quotes to achieve your goal.

Most major companies participate in an industry program where insurance shoppers only type in their quote data once, and each participating company can provide price quotes. This eliminates the need for quote forms for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to comparing rates this way is you are unable to specify the companies to receive prices from. So if you want to choose specific insurance companies to compare rates, we have a listing of low cost auto insurance companies in your area. Click to view list.

The method you choose is up to you, but make sure you compare equivalent coverages and limits for each quote you get. If the quotes have unequal deductibles or liability limits it’s impossible to make an equal comparison.

These ten discounts can slash insurance coverage rates

Companies offering auto insurance don’t necessarily list every possible discount in an easy-to-find place, so the list below gives a summary of some of the best known as well as the least known discounts you could be receiving when you buy insurance online.

  • Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks with the same company can get a discount for every vehicle.
  • Discounts for Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more off the medical payments premium.
  • Life Insurance Discount – Insurance coverage companies who offer life insurance give better rates if you take out some life insurance in addition to your auto policy.
  • Defensive Driver Discount – Taking a class that teaches defensive driving techniques could possibly earn you a 5% discount and make you a better driver.
  • Good Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates for MKS insurance than their less cautious counterparts.
  • No Claim Discounts – Insureds who avoid accidents and claims have much lower rates in comparison with frequent claim filers.
  • E-sign – Certain insurance companies will give a small break for buying your policy on the web.
  • Student Driver Training – Have your child participate in a local driver’s education class in school or through a local driver safety program.
  • New Vehicle Savings – Buying a new car instead of a used car can get you a discount because newer vehicles have to meet stringent safety requirements.
  • Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you may reduce your total bill.

One thing to note about discounts is that most discounts do not apply the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Even though it appears you could get a free insurance coverage policy, companies don’t profit that way. Any qualifying discounts will help reduce your policy cost.

A few popular companies and a selection of discounts include:

  • American Family offers discounts for mySafetyValet, multi-vehicle, Steer into Savings, accident-free, air bags, defensive driver, and TimeAway discount.
  • State Farm offers premium reductions for good driver, student away at school, Drive Safe & Save, driver’s education, and multiple policy.
  • 21st Century offers discounts including good student, teen driver, driver training, 55 and older, student driver, and early bird.
  • Travelers includes discounts for multi-car, IntelliDrive, multi-policy, continuous insurance, and early quote.
  • GEICO may include discounts for military active duty, good student, daytime running lights, five-year accident-free, seat belt use, and membership and employees.

Double check with all the companies to apply every possible discount. A few discounts may not apply to policyholders in your area. To see a list of insurance companies that offer discounts, click this link.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out whether or not you would benefit from an agent’s advice.

  • When should I remove comp and collision on my 2009 Lincoln MKS?
  • Who is covered by my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Where can I get insurance after a DUI in my state?
  • I have health insurance so do I need medical payments coverage?
  • Do I need roadside assistance coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.

Learn about insurance coverages for a 2009 Lincoln MKS

Having a good grasp of your insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Collision protection

This covers damage to your MKS from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, hitting a bird, damage from a tornado or hurricane, falling objects and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like hospital visits, dental work, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Liability insurance

This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

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. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like court costs, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Summing up your insurance search

When getting insurance quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability coverage limits only to discover later they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at a price you can afford.

In this article, we presented quite a bit of information on how to reduce 2009 Lincoln MKS insurance car insurance rates online. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a smaller regional carrier. These companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive and GEICO.

Much more information about insurance can be found at these links: