Cheap 2010 Lincoln MKZ Insurance Quotes

Locating better insurance prices for a new or used Lincoln MKZ can be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to buy car insurance so you’re going to learn the absolute fastest way to get price quotes for a new or used Lincoln and locate the best price possible either online or from local insurance agents.

It’s a great practice to compare rates at least once a year because car insurance rates go up and down regularly. If you had the lowest rate for MKZ coverage a few years ago a different company probably has better prices today. Ignore everything you know about car insurance because you’re going to get a crash course in how to use the internet to remove unneeded coverages and save money.

Finding insurance

Most of the larger companies make it easy to get prices direct online. Doing online quotes is very simple as you simply enter your coverage information as detailed in the form. Upon sending the form, their rating system sends out for your driving record and credit report and generates pricing information based on the data you entered.

Online price estimates streamlines rate comparisons, but having to visit many different websites and type in the same information is a big time waster. But it’s necessary to compare as many rates as possible in order to get the lowest insurance rates.

The easy way to compare rates

The preferred way to find better insurance pricing uses just one form to obtain quotes from more than one company. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much more enjoyable. After your information is entered, it is quoted and you can select any or none of the price quotes you receive.

If you find a better price you simply finish the application and buy the policy. The whole process takes just a few minutes to complete and you will find out if you’re overpaying now.

To quickly find out if lower rates are available, click here to open in new window and enter your information. If you have a policy now, it’s recommended you replicate the coverage information as shown on your current policy. Using the same limits helps guarantee you will be getting a price comparison for similar insurance coverage.

Big names are not always cheapest

Consumers can’t get away from all the ads for insurance coverage savings by companies like 21st Century, Allstate and State Farm. They all advertise the message about how much you will save if you just switch your policy.

How does each company say the same thing? Here is how they do it.

Insurance companies quote their cheapest rates for the right customer they prefer to insure. One example of a driver they prefer should be a married female, has no tickets, and chooses high deductibles. Any customer that matches those criteria receive the lowest rate quotes and will pay quite a bit less when switching companies.

Potential insureds who fall short of the ideal profile will probably have to pay higher premium rates which results in the customer not buying. The trick is to say “people who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can confidently advertise the savings.

This really illustrates why drivers must get car insurance quotes as often as possible. It is just not possible to predict which insurance companies will provide you with the cheapest prices.

Car insurance discounts are available to slash your rates

Car insurance is not cheap nor is it fun to buy but you can get discounts to help bring down the price. Many of these discounts will be applied automatically when you complete an application, but a few must be asked about before they will apply.

  • Air Bag Discount – Factory options such as air bags or motorized seat belts can get savings of up to 25% or more.
  • Discount for Low Mileage – Low annual miles may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Discount for Life Insurance – Larger companies have lower rates if you buy some life insurance too.
  • Club Memberships – Participating in a civic or occupational organization could qualify you for a break on your next renewal.
  • Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% for MKZ coverage with some car insurance companies.
  • Full Payment Discount – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
  • Paper-free Discount – A few car insurance companies will provide an incentive for signing up on your computer.
  • Student in College – College-age children who live away from home at college and don’t have a car could qualify for this discount.
  • Safety Course Discount – Taking part in a safe driver class could save 5% or more and easily pay for the cost of the class.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

A list of car insurance companies and a selection of discounts are:

  • Farmers Insurance has discounts for pay in full, electronic funds transfer, alternative fuel, switch companies, and teen driver.
  • Esurance may offer discounts for defensive driver, safety device, good driver, anti-lock brakes, and emergency road assistance.
  • State Farm offers premium reductions for driver’s education, Drive Safe & Save, student away at school, passive restraint, good driver, and Steer Clear safe driver discount.
  • GEICO discounts include defensive driver, anti-lock brakes, military active duty, five-year accident-free, federal employee, and emergency military deployment.
  • Allstate may include discounts for auto/life discount, utility vehicle, passive restraint, anti-theft, and premier plus.

Check with all the companies the best way to save money. Depending on the company, some discounts may not be offered everywhere. For a list of providers that offer discounts, follow this link.

Everyone needs different insurance coverage coverages

When it comes to buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether or not you may require specific advice.

  • Does my 2010 Lincoln MKZ qualify for pleasure use?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when using my vehicle for business?
  • Can my teen driver be rated on a liability-only vehicle?
  • What if I owe more than I can insure my car for?
  • Is motorclub coverage worth it?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my teen driver covered when they drive my company car?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Educate yourself about insurance coverages

Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Lincoln MKZ.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses like pain medications, EMT expenses, prosthetic devices and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

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

Comprehensive can pay for claims like hitting a bird, a broken windshield, fire damage, damage from getting keyed and theft. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance

This will cover damages or injuries you inflict on a person or their property. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, bail bonds, emergency aid and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Auto collision coverage

This pays for damage to your MKZ caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage on a shoestring budget

When getting car insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

Some insurance companies do not provide online price quotes small insurance companies work with independent insurance agencies. Affordable 2010 Lincoln MKZ insurance is available both online in addition to local insurance agencies, and you need to price shop both to have the best rate selection.

We’ve covered a lot of tips how to save on 2010 Lincoln MKZ insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates come from some of the smallest insurance companies.

Additional auto insurance information can be read at these links: