Compare 2013 Lincoln MKT Insurance Quotes

Searching for cheaper insurance rates for your Lincoln MKT? I doubt anyone enjoys paying for insurance, particularly when it costs too dang much. Consumers have multiple auto insurance companies to buy insurance from, and although it’s nice to have multiple companies, it can be more challenging to adequately compare rates.

Finding affordable coverage is not rocket science. If you are insured now or are shopping for new coverage, you can use these techniques to find better prices while maximizing coverage. Consumers just need to learn the proper way to compare company rates over the internet.

Insurance costs are influenced by these factors

Many different elements are part of the equation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are less apparent like your vehicle usage or how financially stable you are.Consumers need to have an understanding of a few of the rating criteria that help determine your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that can earn you big savings.

  • Lower rates for safer cars – Cars with five star safety ratings get lower rates. Vehicles built for safety have better occupant injury protection and lower injury rates translates directly to fewer claims and thus lower rates. If your Lincoln MKT is rated at a minimum four stars on Safercar.gov you may be receiving a better rate.
  • Limits of liability protection – A critical coverage on your policy, liability insurance is the protection when you are responsible for damages from an accident. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Good drivers pay better costs – Careful drivers get better prices compared to drivers with tickets. Even one ticket can increase rates by as much as twenty percent. Drivers with careless tickets such as DUI or willful reckless driving may be required to complete a SR-22 with their state DMV in order to legally drive a vehicle.
  • Save money by having multiple policies – Most major auto insurance companies apply lower prices for people who buy several policies from them in the form of a multi-policy discount. Discounts can add up to 10 percent or more. If you currently are using one company, it’s in your best interest to compare other company rates to help guarantee you have the best rates.There is a chance you can find lower rates by buying from different companies
  • Your stress level may be raising your auto insurance rates – Did you know your career choice can influence rates? Jobs such as fire fighters, architects and medical professionals tend to have higher rates than average in part from intense work-related stress and lots of time spent at work. Conversely, occupations such as scientists, historians and performers pay lower than average rates on MKT insurance.
  • Marriage discount – Being married can get you a discount on your auto insurance policy. Having a spouse is viewed as being more responsible and it’s statistically proven that married couples file fewer claims.
  • Age of drivers – Young drivers are statistically proven to be inattentive and easily distracted behind the wheel therefore auto insurance rates are much higher. Older insureds are viewed as being more responsible, cause fewer claims and accidents and get fewer tickets.

Buy auto insurance online

Getting cheaper 2013 Lincoln MKT auto insurance pricing is a great way to save money. Just invest a little time comparing price quotes to discover which company has the cheapest insurance quotes. It’s super easy and can be done using a couple different methods.

If you’re in a hurry, the quickest way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing boring form submissions for every prospective company. A single form gets insurance cost estimates from auto insurance companies with the best prices.

Another way to find better pricing is to manually visit the website for every company you want to comare and request a quote. For sake of this example, we’ll pretend you want to compare GEICO, Safeco and Liberty Mutual. You would be required to visit each site and enter your information, and that explains why we recommend the first method.

To view a list of companies in your area, click here.

Whichever way you choose to compare rates, make sure you are using apples-to-apples quote data for every quote you compare. If you compare different liability limits you will not be able to determine the lowest rate for your Lincoln MKT.

Insurance coverage in the media

Consumers can’t ignore all the ads for the lowest price insurance coverage by GEICO, State Farm and Progressive. They all seem to advertise the message that drivers will save a bundle if you change your insurance coverage coverage to their company.

How is it plausible that every one can make almost identical claims? This is how they do it.

Insurance companies have an ideal profile for the type of driver that earns them the highest profit. For instance, a preferred risk may be married and over the age of 30, owns their home, and drives newer vehicles. Any customer who matches that profile receive the lowest rate quotes as well as save when they switch companies.

Insureds who don’t qualify for those standards will probably be forced to pay a higher rate which leads to the customer not buying. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” save the amount stated. This is how companies can make the claims of big savings. That is why you should do a price quote comparison at every renewal. It’s impossible to know which company will fit your personal profile best.

Do you qualify for discount insurance?

Some companies don’t always publicize every possible discount in a way that’s easy to find, so the following is a list of some of the more common and also the more inconspicuous credits available to lower your premiums when you buy insurance online.

  • Telematics Data – Drivers who agree to allow their company to track when and where they use their vehicle through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if their driving habits are good.
  • No Charge for an Accident – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • Multi-car Discount – Purchasing coverage when you have multiple cars or trucks with the same insurance company can get a discount for every vehicle.
  • Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% on MKT insurance depending on your company.
  • Claim-Free Discount – Good drivers with no accidents pay much less as opposed to insureds who have frequent claims or accidents.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving can save a little on the medical payments or PIP coverage costs.
  • Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you can avoid the installment charge.
  • Driver’s Ed – It’s a good idea to have your young drivers sucessfully take a drivers education course if offered at their school.

Remember that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way.

A few companies who may offer these discounts possibly include:

If you need low cost insurance quotes, ask all the companies how you can save money. All car insurance discounts might not be offered on policies in your state. If you would like to view insurance companies with significant discounts, click this link.

What insurance coverages do I need?

When choosing the best insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help highlight whether or not you may require specific advice.

  • Am I covered when pulling a rental trailer?
  • Do I benefit by insuring my home with the same company?
  • Do I really need UM/UIM coverage?
  • Who is covered when they drive my 2013 Lincoln MKT?
  • Do I need roadside assistance coverage?
  • How can I force my company to pay a claim?
  • What is high-risk coverage and where do I buy it?
  • Is a blown tire covered by insurance?
  • Do I pay less for low miles?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Understanding the coverages of your 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 coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hitting a bird, vandalism, hitting a deer and damage from getting keyed. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your MKT resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

This coverage can cover damages or injuries you inflict on a person or their property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, funeral expenses, attorney fees and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Lincoln MKT.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for nursing services, chiropractic care, dental work and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Smart consumers save more

You just read a lot of techniques to get a better price on 2013 Lincoln MKT insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from the smaller companies. These companies may have significantly lower prices on certain market segments compared to the large companies like Progressive or GEICO.

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at an affordable rate and still be able to protect your assets.

Even more information can be read by following these links: