Compare 2013 Lincoln MKS Insurance Cost

Want better auto insurance rates for your Lincoln MKS? Overpriced auto insurance can drain your budget and require stricter spending habits. Doing a rate comparison is free, only takes a few minutes, and is a good way to tighten up your finances.

Many car insurance companies vie for your business, and because of this it can be hard to compare insurance companies to get the best price available.

You need to compare rates before your next renewal because auto insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on MKS coverage on your last policy the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because it’s time to teach you one of the best ways to save money, get proper coverage and the best rates.

Compare auto insurance rates

Performing a rate comparison is a ton of work if you don’t know the most efficient way to do it. You can spend your afternoon driving to insurance companies in your area, or you could save time and use online quotes for quick rates.

Most major companies belong to a marketplace that enables customers to submit their information once, and at least one company then returns a price quote based on that data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To compare rates using this form now click here to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which insurance companies you will receive quotes from. If you wish to select from a list of companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using the same coverage limits and deductibles with each company. If the quotes have different coverage information it will be very difficult to make a fair rate comparison.

Discounts to earn cheaper car insurance rates

Car insurance companies do not list every available discount in a way that’s easy to find, so the below list has both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you could save at least 10 to 15 percent or more.
  • Braking Control Discount – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Mature Driver Discount – Mature drivers can possibly qualify for reduced rates on MKS coverage.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Driver Training Discounts – Successfully completing a course teaching safe driver skills could earn you a small percentage discount depending on where you live.
  • Home Ownership Discount – Owning a home can earn you a little savings since home ownership is proof that your finances are in order.
  • Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
  • Discounts for New Vehicles – Buying a new car instead of a used car may earn a small discount since new model year vehicles have better safety ratings.
  • Active Service Discounts – Having a family member in the military can result in better prices.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same car insurance company can get a discount for every vehicle.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

The best car insurance companies and their possible discounts include:

  • State Farm discounts include safe vehicle, multiple autos, good driver, accident-free, driver’s education, defensive driving training, and passive restraint.
  • GEICO may offer discounts for multi-policy, federal employee, air bags, defensive driver, and driver training.
  • Allstate offers premium reductions for auto/life discount, FullPay discount, anti-lock brakes, new car, and good payer.
  • SAFECO policyholders can earn discounts including anti-theft, homeowner, anti-lock brakes, teen safety rewards, accident prevention training, and bundle discounts.
  • Farm Bureau may include discounts for renewal discount, good student, youthful driver, safe driver, multi-vehicle, and driver training.
  • Progressive may have discounts that include good student, continuous coverage, multi-policy, multi-vehicle, and homeowner.
  • AAA offers discounts including multi-policy, education and occupation, good driver, good student, and AAA membership discount.

Before purchasing a policy, check with all the companies which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in your area. If you would like to see a list of companies with significant discounts, click here to view.

Smart choices result in lower insurance costs

Smart consumers have a good feel for some of the factors that come into play when calculating insurance rates. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find big savings. Multiple criteria are taken into consideration when you get a price on insurance. Some factors are common sense like your driving record, but other criteria are more transparent such as your marital status or how safe your car is.

  • Lower rates for safer vehicles – Vehicles that have high safety ratings can get you lower premiums. Vehicles engineered for safety reduce the chance of injuries and lower rates of occupant injuries means lower claim amounts and lower rates for you. If your Lincoln has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Liability insurance limits are a factor – A critical coverage on your policy, liability insurance provides coverage if ever you are ruled to be at fault for causing personal injury or damage in an accident. Liability provides you with a defense in court which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Remove unneeded extra policy coverages – Policies have extra bells and whistles that you can buy if you aren’t careful. Coverages for rental car reimbursement, accidental death, and membership fees are examples of these. These coverages may sound good at first, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Excellent credit scores equal low prices – An insured’s credit score is likely to be a major factor in determining what you pay for insurance. Drivers with very high credit ratings tend to be more responsible than drivers with lower credit scores. If your credit rating can be improved, you could be paying less to insure your 2013 Lincoln MKS by improving your credit score.
  • Car plus home equals more savings – Lots of insurers afford lower prices to insureds that buy multiple policies in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare other insurance prices to verify if the discount is saving money.
  • Insurance rates may be lower depending on your vocation – Do you work in a high-stress field? Careers such as lawyerspolice officers and stock brokers tend to have higher rates than average attributed to high stress and lots of time spent at work. On the flip side, occupations such as farmers, students and retirees have lower than average premiums on MKS coverage.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out if your situation could use an agent’s help.

  • How high should deductibles be on a 2013 Lincoln MKS?
  • Do all my vehicles need collision coverage?
  • Am I covered if I crash into my own garage door?
  • Is a fancy paint job covered?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does coverage extend to Mexico or Canada?
  • How much liability insurance is required?
  • What is no-fault insurance?
  • Am I covered if I break a side mirror?
  • What is an SR-22 filing?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Car insurance coverage information

Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are similar to your liability insurance amounts.

Auto liability

This coverage can cover injuries or damage you cause to people or other property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, court costs and emergency aid. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Collision coverage

Collision coverage will pay to fix damage to your MKS resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, damage from flooding, a tree branch falling on your vehicle, damage from getting keyed and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like EMT expenses, nursing services and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Buy online or local, you save

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed full coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

The cheapest 2013 Lincoln MKS insurance is possible from both online companies and from local agencies, so you need to quote car insurance with both to have the best rate selection. Some companies don’t offer rate quotes online and these regional insurance providers provide coverage only through independent agents.

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