Lower Your 2015 Lincoln MKC Car Insurance Rates

Shopping for the lowest price car insurance may be rather difficult for vehicle owners not familiar with price shopping over the internet. With a ridiculous number of insurers available, how can anyone possibly compare every car insurance company to find the cheapest available price?

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you should be able to save some money using this information. But consumers should learn how big insurance companies determine prices because it can help you find the best coverage.

The best way we recommend to compare rates is to understand most of the bigger providers allow for online access to quote your coverage. The only thing you need to do is provide the companies a bit of rating information including how much coverage you want, whether you drive to work or school, what your job is, and the make and model of your vehicles. Your details is automatically sent to many different companies and you get price estimates immediately.

Find discounts on auto insurance

Some companies don’t list every available discount in a way that’s easy to find, so we researched a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

  • Discounts for Multiple Vehicles – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • No Accidents – Insureds with no claims or accidents pay much less as compared to frequent claim filers.
  • Online Discount – Certain auto insurance companies will give you a small discount for buying a policy and signing up online.
  • Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off for MKC insurance depending on your auto insurance provider.
  • Low Mileage Discounts – Fewer annual miles on your Lincoln can qualify you for better auto insurancerates on cars that stay parked.
  • Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.
  • New Car Discount – Insuring a vehicle that is new may earn a small discount because newer models have to meet stringent safety requirements.

Don’t be surprised that many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The best auto insurance companies and a selection of discounts are outlined below.

  • GEICO discounts include seat belt use, good student, defensive driver, daytime running lights, and multi-policy.
  • MetLife includes discounts for claim-free, accident-free, good student, good driver, and defensive driver.
  • State Farm has savings for multiple policy, student away at school, anti-theft, safe vehicle, good driver, and Drive Safe & Save.
  • Progressive may have discounts that include online quote discount, multi-vehicle, homeowner, online signing, continuous coverage, good student, and multi-policy.
  • Mercury Insurance may include discounts for professional/association, location of vehicle, good driver, annual mileage, and age of vehicle.
  • 21st Century offers discounts including automatic seat belts, driver training, teen driver, early bird, defensive driver, air bags, and 55 and older.
  • Allstate may offer discounts for new car, premier discount, economy car, FullPay discount, eSmart discount, teenSMART discount, and early signing.

Double check with each insurance company which credits you are entitled to. Depending on the company, some discounts might not be offered on policies in your area. If you would like to choose from a list of companies that have a full spectrum of discounts, click this link.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might point out whether or not you might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • How can I get high-risk coverage after a DUI?
  • What can I do if my company won’t pay a claim?
  • Are rental cars covered under my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can my babysitter drive my car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage considerations

Understanding the coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Lincoln MKC.

Since many 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 important protection for you and your family.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as rock chips in glass, falling objects, hail damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

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

Collision insurance covers claims such as backing into a parked car, crashing into a building and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverage – This coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. 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 commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as bail bonds, court costs, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage pay for bills for things like EMT expenses, funeral costs, ambulance fees, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible