2013 Lincoln MKZ Insurance Quotes

Looking for cheaper insurance coverage rates for your Lincoln MKZ? Finding cheaper insurance for a Lincoln MKZ can normally be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to find insurance coverage online and we’ll show you the proper way to quote coverages on a Lincoln and obtain the lowest possible price either online or from local insurance agents.

How your MKZ insurance rates are determined

An important part of buying insurance is that you know the factors that aid in calculating your policy premiums. If you understand what determines base rates, this allows you to make educated decisions that may result in better car insurance rates.

  • Car and home together may be cheaper – Most car insurance companies allow a discount to policyholders that buy multiple policies. It’s known as a multi-policy discount. Discounts can be ten percent or more. Even if you qualify for this discount already, consumers should still get quotes from other companies to ensure the best deal.
  • Rates impacted by your city – Having an address in a small town has definite advantages when buying car insurance. Fewer people translates into fewer accident claims in addition to lower liability claims City drivers have to deal with more aggressive driving styles and much longer commute distances. More time behind the wheel translates into higher accident risk.
  • Gals pay lower costs – Over time, data shows women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better at driving than males. Both genders tend to get into auto accidents at about the same rate, but guys tend to have higher claims. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving.
  • Being married is a bonus – Having a significant other may earn you lower rates on your car insurance policy. Marriage demonstrates that you tend to be more financially stable it has been statistically shown that married drivers tend to file fewer claims.
  • Save money with high credit – Having a good credit score can be an important factor in calculating your premium rate. Therefore, if your credit can use some improvement, you may save money insuring your 2013 Lincoln MKZ if you improve your credit rating. People that have excellent credit tend to file fewer claims and have better driving records than drivers with lower ratings.
  • Do you have a high stress job? – Occupations like real estate brokers, business owners and miners tend to have the highest average rates due to intense work requirements and long work days. Conversely, professions such as professors, historians and retirees have the lowest average rates on MKZ coverage.

Insurance companies offer many types of discounts

Buying insurance is not cheap, but you might be missing out on some discounts that may help make it more affordable. Certain reductions will be credited when you purchase, but occassionally some discounts must be asked for before they will apply. If you check and find you aren’t receiving every discount you qualify for, you could be getting lower rates.

  • Homeowners Pay Less – Being a homeowner may trigger a policy discount on insurance since owning and maintaining a home requires personal responsibility.
  • Discount for Swiching Early – Some larger companies reward drivers for signing up early. It could save around 10% when you buy insurance online.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts can get savings of 20% or more.
  • Clubs and Organizations – Being in a civic or occupational organization can get you a small discount when getting a insurance quote.
  • Low Mileage Discounts – Fewer annual miles on your Lincoln may allow you to get discounted prices on garaged vehicles.
  • Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less on MKZ coverage as compared to drivers with claims.
  • Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease on MKZ coverage with some insurance companies.
  • Accident Forgiveness – but certain companies permit an accident before hitting you with a surcharge with the catch being you have to be claim-free prior to being involved in the accident.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in high school.
  • Telematics Discount – Policyholders that allow companies to scrutinize driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they have good driving habits.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only reduce individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, insurance companies aren’t that generous.

Large insurance companies and a selection of discounts can be read below.

  • GEICO may include discounts for seat belt use, emergency military deployment, good student, five-year accident-free, and military active duty.
  • USAA discounts include vehicle storage, good student, loyalty savings, multi-vehicle, defensive driver, and new vehicle.
  • Progressive offers discounts including online quote discount, good student, multi-policy, online signing, multi-vehicle, continuous coverage, and homeowner.
  • American Family has savings for Steer into Savings, good driver, accident-free, mySafetyValet, TimeAway discount, and defensive driver.
  • Esurance offers discounts for Switch & Save, multi-car, homeowner, DriveSense, and claim free.
  • Farmers Insurance offers premium reductions for mature driver, good student, switch companies, business and professional, bundle discounts, and youthful driver.
  • State Farm may have discounts that include driver’s education, student away at school, Steer Clear safe driver discount, passive restraint, multiple autos, and multiple policy.

When getting a coverage quote, ask all companies you are considering to apply every possible discount. Discounts may not apply to policies in your area.

Do I just need basic coverages?

When it comes to buying the best car insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique.

For example, these questions might help in determining if you may require specific advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving in Canada or Mexico?
  • What is medical payments coverage?
  • What if I total my 2013 Lincoln MKZ and owe more than it’s worth?
  • Do I benefit by insuring my home with the same company?
  • What is an SR-22 filing?
  • Which is better, split liability limits or combined limits?
  • Am I missing any policy discounts?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your insurance policy

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision insurance

Collision coverage covers damage to your MKZ resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, theft and damage from getting keyed. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical services, attorney fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Lincoln MKZ.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as prosthetic devices, chiropractic care, rehabilitation expenses, hospital visits and EMT expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Never pay more for less

Some insurance providers do not offer the ability to get quotes online and these smaller companies only sell coverage through local independent agents. Cost effective 2013 Lincoln MKZ insurance is attainable on the web and also from your neighborhood agents, and you should compare rates from both to have the best rate selection.

We covered quite a bit of information on how to reduce 2013 Lincoln MKZ insurance premium rates online. The most important thing to understand is the more times you quote, the better likelihood of getting cheap insurance. Consumers could even find that the best premium rates are with the smaller companies.

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where someone dropped liability coverage limits and learned later that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.

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