Compare 2015 Lincoln MKS Car Insurance Rates

Are you drained from sacrificing to pay high insurance coverage rates every month? You are no different than the majority of other vehicle owners.

Popular companies such as State Farm, Progressive and GEICO constantly bombard you with ad campaigns and it is difficult to see through the deception and find the best price available.

Lower rates by qualifying for discounts

Some insurers do not list every discount very clearly, so the following list contains a few of the more well known as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts may get savings of more than 20%.
  • Own a Home – Being a homeowner can help you save on auto insurance because of the fact that having a home requires personal responsibility.
  • Bundle and Save – If you can bundle your homeowners and auto insurance and place coverage with the same company you may save up to 20% off your total premium.
  • Save over 55 – Older drivers are able to get a small decrease in premiums on MKS coverage.
  • Defensive Driver Discounts – Completing a course teaching driver safety skills could save 5% or more depending on where you live.
  • Discount for Life Insurance – Larger insurance carriers have a discounted premium rate on car insurance if you buy some life insurance too.
  • Full Payment Discount – If you pay your bill all at once rather than paying monthly you can avoid monthly service charges.
  • Save with a New Car – Insuring a new car can save you some money since new vehicles have better safety ratings.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, nobody gets a free ride.

A few companies that possibly offer some of the discounts shown above may include but are not limited to:

If you need cheap insurance coverage quotes, ask each insurance company what discounts are available to you. All car insurance discounts might not apply in your area. To view insurance companies with significant discounts, click here.

The most recommended method to compare car insurance rates is to know most insurance companies pay for the opportunity to quote your coverage. All you need to do is give the companies some data such as how much you drive, how much coverage you want, marital status, and the ages of drivers. That information is instantly provided to many of the top insurers and they provide comparison quotes within a short period of time.

Auto insurance is unique, just like you

When buying proper insurance coverage, there really is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine if your situation might need an agent’s assistance.

  • How high should deductibles be on a 2015 Lincoln MKS?
  • What is covered by UM/UIM coverage?
  • What vehicles should carry emergency assistance coverage?
  • Are my friends covered when driving my car?
  • What is the minimum liability in my state?
  • Will my insurance pay for OEM parts?
  • Why do I need rental car insurance?
  • Who is covered when they drive my 2015 Lincoln MKS?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage considerations

Having a good grasp of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Liability coverages

This coverage can cover damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, bail bonds and emergency aid. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like prosthetic devices, X-ray expenses, rehabilitation expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision protection

This coverage covers damage to your MKS resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hail damage, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Save for a rainy day

In this article, we covered a lot of information how to compare 2015 Lincoln MKS insurance auto insurance rates online. The key concept to understand is the more companies you get premium rates for, the better likelihood of getting cheap insurance coverage. Consumers may even find the lowest priced car insurance comes from a small local company. Regional companies can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive or GEICO.

As you prepare to switch companies, never buy poor coverage just to save money. There have been many situations where an insured cut physical damage coverage and found out when filing a claim that it was a big error on their part. Your objective should be to get the best coverage possible at the best cost, but do not skimp to save money.

Budget-friendly car insurance can be found on the web and with local insurance agents, so you need to quote insurance coverage with both to have the best rate selection. Some companies may not provide rate quotes online and most of the time these smaller providers work with local independent agents.

More detailed car insurance information is available in the articles below: