2012 Lincoln MKS Car Insurance Quotes – 10 Tips to Save

Car insurance shoppers not familiar with comparing insurance rates on the web are likely to discover buying low cost insurance coverage is not as easy as it seems.

If you currently have car insurance, you should be able to save some money using these techniques. Locating the best protection can be fairly easy. But car owners must know the way insurance companies market insurance on the web.

How to compare free car insurance price quotes

Most larger insurance companies give insurance quotes directly from their websites. Getting online quotes is pretty easy as you simply type in your required coverages on the page. When the form is submitted, the system sends out for your credit score and driving record and provides a quote based on the information you submitted.

Quoting online makes it simple to compare prices but the time required to go to several different sites and type in your information is not the best way to spend an afternoon. But it’s very important to perform this step if you want to find a better rate.

There is an easier way!

The easiest way to lower your rates utilizes a single form that gets price quotes from several different companies. The form is fast, requires much less work on your part, and makes online quotes much simpler. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any one of the quote results. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

To get comparison pricing now, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you complete the form with the limits and deductibles just like they are on your policy. Doing this assures you will have a rate comparison based on similar coverages.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions may help highlight whether your personal situation may require specific advice.

• Does my policy cover my teen driver if they drive my company car?
• Why is insurance for a teen driver so high?
• Does my policy pay for OEM or aftermarket parts?
• Why do I only qualify for high-risk insurance?
• I have health insurance so do I need medical payments coverage?
• Am I insured when driving a different vehicle?
• Am I covered if I crash into my own garage door?
• What is covered by UM/UIM coverage?
• Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage information

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses for ambulance fees, surgery, dental work, EMT expenses and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Lincoln MKS.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, falling objects, hitting a deer, damage from a tornado or hurricane and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Liability

Liability coverage will cover damages or injuries you inflict on people or other property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like repair costs for stationary objects, court costs and structural damage. How much coverage you buy is a personal decision, but buy as much as you can afford.