Compare 2009 Lincoln MKZ Insurance Rates

Looking for lower car insurance rates? Shoppers have many options when shopping for low-cost Lincoln MKZ insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to compare rates. There is a right way and a wrong way to shop for car insurance and we’ll show you the best way to compare rates on a Lincoln and obtain the lowest possible price.

How much is auto insurance?

There are a variety of methods to compare auto insurance prices but one way is less time-consuming than others. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you can utilize online quoting to achieve your goal.

Most of the larger companies take part in a program that allows shoppers to submit their information once, and every company can provide price quotes based on that data. This eliminates the need for repetitive form submissions for every auto insurance company.

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The only downside to pricing coverage this way is that consumers can’t choose which carriers you want pricing from. So if you prefer to pick specific providers to compare prices, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but make sure you compare apples-to-apples coverage limits for each quote you get. If you are comparing different deductibles it will be very difficult to determine the best price for your Lincoln MKZ.

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Auto insurance rates and discounts

Some insurers don’t list all available discounts very clearly, so the list below contains some of the more common as well as the least known credits that may apply to you.

• Theft Prevention System – Cars and trucks that have factory anti-theft systems can help prevent theft and will save you 10% or more.
• Air Bag Discount – Factory air bags or motorized seat belts could see savings of 20 to 30 percent.
• Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease for MKZ coverage with certain companies.
• College Student Discount – living away from home attending college and do not take a car to college could qualify for this discount.
• Include Life Insurance and Save – Some insurance companies give a discounted premium rate on car insurance if you buy some life insurance too.
• Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
• Discounts for Multiple Vehicles – Buying coverage for several vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
• Switch and Save Discount – A few larger companies offer discounts for renewing your policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance coverage online.
• No Claim Discounts – Insureds with no claims or accidents pay much less compared to accident-prone drivers.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.

A partial list of companies who may offer most of these discounts may include but are not limited to:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

Before you buy a policy, ask every company how many discounts you can get. Some discounts may not be available in every state.

Informed drivers save every year

Many factors are part of the equation when premium rates are determined. Some factors are common sense like your driving record, but other criteria are less obvious such as your marital status or how financially stable you are.The best way to find cheaper insurance coverage is to take a look at the rating factors that come into play when calculating your insurance coverage rates. If you know what positively or negatively impacts your premiums, this allows you to make good choices that could help you find better insurance coverage rates.

• Cars with good safety ratings save money – Vehicles with high crash test scores can get you lower premiums. These vehicles protect occupants better and fewer serious injuries means your insurance company pays less and more competitive rates for policyholders.
• More traffic equals higher premiums – Having an address in a rural area can be a good thing when insuring your vehicles. Fewer people translates into fewer accident claims and also fewer theft and vandalism claims. People in densly populated areas regularly have traffic congestion and higher rates of accident claims. Longer commute distances can result in more accidents.
• Men drivers tend to cost more – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both genders get in auto accidents in similar percentages, but males tend to have more serious accidents. Not only are claims higher, but men receive more costly citations such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure so it costs more to insure them.
• Car insurance liability protection limits – Liability coverage is the coverage that protects you when a jury decides you are liable for personal injury or accident damage. It provides legal defense coverage to defend your case. It is affordable coverage compared to physical damage coverage, so insureds should have plenty of protection for their assets.
• Tickets increase premiums – Whether or not you get tickets influences premium rates substantially. Even one speeding ticket or other violation can boost insurance rates by as much as thirty percent. Drivers who don’t get tickets get better prices than people who have multiple driving citations. Drivers unfortunate enough to have careless tickets like reckless driving, hit and run or driving under the influence might be required by their state to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
• Do you have a high stress employer? – Jobs such as real estate brokers, business owners and accountants tend to pay the highest average rates due to job stress and lengthy work days. On the other hand, careers such as actors, athletes and the unemployed generally pay rates lower than average for MKZ coverage.
• How do annual miles impact costs? – The higher the miles on your Lincoln in a year the more you’ll pay to insure it. Most companies price each vehicle’s coverage partially by how you use the vehicle. Cars that sit idle most of the time qualify for better rates than those used for commuting. Verify your insurance coverage policy states the right rating data, because improper ratings can cost you money. Incorrect rating for your MKZ is throwing money out the window.
• Having a spouse can save you money – Having a wife or husband may save some money compared to being single. Marriage generally demonstrates drivers are more mature and statistics prove married drivers get in fewer accidents.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might point out if you will benefit from professional help.

• Am I covered when driving someone else’s vehicle?
• Is my cargo covered for damage or theft?
• Why do I need rental car insurance?
• Will I lose any money if I cancel my policy before it expires?
• Does car insurance cover theft of personal property?
• Can I rent a car in Mexico?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

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Car insurance coverages for a 2009 Lincoln MKZ

Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability auto insurance

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, repair bills for other people’s vehicles, bail bonds, pain and suffering and attorney fees. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Lincoln MKZ.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

This pays to fix your vehicle from 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 coverage pays for claims such as damage from a tornado or hurricane, rock chips in glass, fire damage and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like rehabilitation expenses, EMT expenses and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance covers damage to your MKZ caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, scraping a guard rail, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Don’t throw your cash in the trash

You just learned many tips how you can reduce 2009 Lincoln MKZ insurance prices online. The key concept to understand is the more times you quote, the higher your chance of finding affordable insurance coverage. Consumers may even find the most savings is with a small mutual company.

Cheaper 2009 Lincoln MKZ insurance is available both online and from local agencies, so get free insurance coverage quotes from both of them to have the best rate selection. Some insurance coverage companies may not offer online quoting and usually these small, regional companies sell through local independent agencies.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. In many cases, someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

To learn more, take a look at the articles below:

• Choosing a Car for Your Teen (State Farm)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)

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