Compare 2016 Lincoln MKT Insurance Quotes

Want better insurance rates for your Lincoln MKT? Scraping up a payment for expensive Lincoln MKT insurance can bleed your accounts and force you to tighten up your finances. Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest price

You should make it a habit to price shop coverage on a regular basis due to the fact that insurance prices trend upward over time. Even if you think you had the lowest price for MKT insurance on your last policy there is a good chance you can find better rate quotes now. There is a lot of wrong information about insurance on the web, but in a few minutes you can learn some excellent ideas to quit paying high insurance rates.

If you have a policy now or need new coverage, you can use these tips to get lower rates and possibly find even better coverage. Buying car insurance is not that difficult. Drivers just need to know the tricks to shop their coverage around over the internet.

Earn discounts on insurance

Some companies don’t always advertise all disounts very well, so we break down both the well known and also the lesser-known discounts that may be available.

  • Good Drivers – Insureds who avoid accidents could pay up to 40% less for MKT insurance as compared to drivers with claims.
  • Smart Student Discounts – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide before hitting you with a surcharge if your claims history is clear before the accident.
  • Senior Citizens – Drivers over the age of 55 may be able to get a slight reduction on a auto insurance quote for MKT insurance.
  • Government Employees – Simply working for the federal government could provide a small rate reduction for MKT insurance with a few insurance companies.
  • Telematics Data Discounts – Drivers that enable driving data collection to track their driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if their driving habits are good.
  • No Claim Discounts – Insureds who avoid accidents and claims pay much less when compared to frequent claim filers.
  • Auto/Life Discount – Not all insurance carriers offer life insurance, but some may give you a break if you buy life insurance from them.
  • Sign Early and Save – Some insurance companies reward drivers for buying a new policy early. It could save around 10% when you buy auto insurance online.

As a footnote on discounts, most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. So even though you would think all the discounts add up to a free policy, you won’t be that lucky.

Some companies that may include many of the previously listed discounts are:

When getting free auto insurance quotes, it’s a good idea to all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies everywhere. If you would like to view providers who offer free insurance quotes, follow this link.

Why your insurance prices might be higher

Part of the car insurance buying process is learning the rating factors that play a part in calculating car insurance rates. When consumers understand what impacts premium levels, this allows you to make good choices that could result in much lower annual insurance costs. Many things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, although others are less obvious such as whether you are married or how safe your car is.

  • Better credit means lower costs – A driver’s credit score can be a huge factor in determining premium rates. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit scores. So if your credit leaves room for improvement, you could pay less to insure your 2016 Lincoln MKT by improving your rating.
  • Older drivers are lower risk – Inexperience drivers are statistically shown to be less responsible in a vehicle therefore car insurance rates are much higher. Parents adding a inexperienced driver to your car insurance policy will cause a huge premium hike. Older drivers are shown to be more cautious, tend to cause fewer accidents and receive fewer citations.
  • Policy claims cost money – Companies provide better rates to people who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of claims that pose a financial burden.
  • Save money by having multiple policies – Most insurance companies apply better rates to people who carry more than one policy in the form of a multi-policy discount. The amount of the discounts can be as much as ten percent or more Even with this discount, drivers will still want to compare other insurance prices to help ensure you have the lowest rates.
  • Get a ticket, pay higher premiums – Getting just one speeding ticket or other violation can boost insurance rates substantially. Careful drivers pay lower auto insurance prices as compared to careless drivers. People who have careless citations like reckless driving or DUI may face state-mandated requirements to prove financial responsibility with their state DMV in order to continue driving.
  • Never let your car insurance expire – Driving without insurance can get you a ticket and companies may charge more for letting your insurance lapse. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you a steep fine or even jail time.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions can help discover if your insurance needs would benefit from professional advice.

  • Why am I required to buy liability insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Where can I find DUI or SR-22 insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • How can I find cheaper teen driver insurance?
  • Does insurance cover tools stolen from my truck?
  • What can I do if my company denied a claim?
  • Should I put collision coverage on all my vehicles?
  • Am I missing any policy discounts?
  • What if I total my 2016 Lincoln MKT and owe more than it’s worth?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about 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 only takes a few minutes and may give you better protection.

Coverages available on your policy

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from auto insurance companies.

Liability car insurance – Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, loss of income and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as funeral costs, surgery, X-ray expenses, nursing services and EMT expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hail damage, hitting a bird, theft and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance pays for damage to your MKT caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building, crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln MKT.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

One last thing

When getting auto insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible at the lowest possible cost, but do not skimp to save money.

Some insurance providers may not offer rates over the internet and most of the time these regional insurance providers only sell through independent agencies. Budget-conscious 2016 Lincoln MKT insurance is definitely available on the web and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from.

Much more information about insurance is located below: