Cheaper 2014 Lincoln MKS Insurance Quotes

Are you burned out from scraping the payment together to insure your Lincoln every month? Your situation is no different than the majority of other vehicle owners. Due to the fact that there are so many different company options, it’s difficult to locate the cheapest company.

It’s a great practice to take a look at other company’s rates before your next renewal since prices are usually higher with each renewal. Despite the fact that you may have had the best deal for MKS insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re going to learn how to use online quotes to remove unneeded coverages and save money.

Buying car insurance is not rocket science. If you have car insurance now, you will most likely be able to save some money using these methods. Consumers just need to know the proper methods to buy auto insurance online.

Lower-cost auto insurance quotes with discounts

The cost of insuring your cars can be expensive, but there are discounts available that could drop your premiums quite a bit. Certain reductions will be credited when you quote, but once in a while a discount must be specially asked for prior to receiving the credit.

  • Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Onboard Data Collection – Policyholders that allow their auto insurance company to track vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
  • ABS Brakes – Cars with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Military Deployment Discount – Having a deployed family member could mean lower premium rates.
  • Multiple Cars – Buying a policy with multiple cars on the same auto insurance policy can get a discount for every vehicle.
  • One Accident Forgiven – but companies like State Farm and GEICO may permit one accident before hitting you with a surcharge so long as you are claim-free for a specific time period.

Don’t be shocked that some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free auto insurance policy, company stockholders wouldn’t be very happy. Any amount of discount will definitely lower your policy premiums.

Some of the insurance companies that may include these discounts include:

When quoting, ask each company to give you their best rates. Some discounts may not be offered in every state. If you would like to see a list of companies that can offer you the previously mentioned discounts, click here to view.

How to get affordable insurance coverage

There are several ways to shop for insurance coverage, but there is one way that is less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in your area, or you can utilize online quotes for quick rates.

Most of the best insurance companies participate in a marketplace that allows shoppers to send in one quote, and each company can give them a price determined by their information. This eliminates the need for repetitive form submissions to every company. To find out how much you’re overpaying now click to open in new window.

The single downside to getting quotes like this is you don’t know exactly which providers you want pricing from. So if you prefer to choose specific providers to compare prices, we have a listing of companies who write insurance coverage in your area. Click to view list.

The approach you take is up to you, just ensure you’re using identical quote data for each quote you get. If you compare different coverage information you will not be able to make a fair rate comparison.

Decisions you make can impact your insurance costs

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense such as your driving record, but other factors are not quite as obvious like your vehicle usage or how safe your car is.Part of the insurance buying process is learning some of the factors that aid in calculating insurance rates. When you know what positively or negatively influences your rates, this enables you to make decisions that can help you get better insurance rates.

The factors shown below are most of the major factors used by insurance companies to determine rates.

  • A good credit rating can save money – Having a bad credit score will be a significant factor in calculating your insurance rates. Therefore, if your credit history is not that good, you may save money insuring your 2014 Lincoln MKS by improving your rating. People that have excellent credit tend to file fewer claims and have better driving records than those with bad credit.
  • Drive less and pay lower prices – Driving a lot of miles in a year the more you’ll pay to insure your vehicle. A lot of insurance companies charge to insure your cars based on their usage. Cars left parked in the garage get more affordable rates than those that get driven frequently. It’s a smart idea to ensure your insurance declarations sheet reflects the correct driver usage. An incorrectly rated MKS may be costing you.
  • Do you work long hours in a high stress vocation? – Did you know your career choice can influence rates? Occupations like real estate brokers, executives and dentists tend to have higher average rates attributed to intense work requirements and incredibly demanding work hours. Other careers such as professors, students and homemakers have the lowest average rates for MKS insurance.
  • Age of drivers impacts costs – Youthful drivers are proven to be more careless with other occupants in the car therefore insurance rates are much higher. Parents adding a beginning driver to your insurance policy can be very expensive. Older people are viewed as being more responsible, statistically cause fewer accidents , and are generally more financially stable.
  • Your location is important – Choosing to live in a small town can be a good thing when trying to find low car insurance rates. People in densly populated areas regularly have more traffic problems and higher rates of accident claims. Fewer people means fewer accidents in addition to lower liability claims
  • Coverage deductibles are a factor – Comp and collision deductibles tell how much you are required to pay in the event of a claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your car. Examples of covered claims are colliding with a stationary object, animal collisions, or theft of your vehicle. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for MKS insurance.
  • Safer the car lower the rate – Safer cars tend to have lower insurance rates. Vehicles built for safety protect occupants better and better occupant protection means less money paid by your insurance company which can result in lower premiums. If your Lincoln MKS has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For example, these questions might point out whether your personal situation may require specific advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I better off with higher deductibles on my 2014 Lincoln MKS?
  • Does my policy cover my teen driver if they drive my company car?
  • I have health insurance so do I need medical payments coverage?
  • Are my friends covered when driving my car?
  • Do I need an umbrella policy?
  • Am I covered when driving a rental car?
  • Does my 2014 Lincoln MKS qualify for pleasure use?
  • Should I have a commercial auto policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance 101

Understanding the coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Lincoln MKS.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, hitting a bird, damage from flooding, vandalism and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, damaging your car on a curb, scraping a guard rail, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage for liability

This coverage will cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, bail bonds and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as dental work, pain medications, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Best coverage at the best price

There are still a few companies who may not offer price quotes online and usually these small insurance companies prefer to sell through local independent agencies. Lower-priced insurance is available on the web in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money.

We covered a lot of ways to lower your 2014 Lincoln MKS insurance prices. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

To learn more, take a look at these articles: