2011 Lincoln MKZ Car Insurance Rates

Looking for cheaper auto insurance rates for your Lincoln MKZ? Car insurance shoppers not familiar with comparing car insurance rates online could find sourcing inexpensive insurance is harder than they anticipated.

You should take the time to check auto insurance prices every six months because insurance prices tend to go up over time. Even if you got the lowest rates for MKZ coverage at your last renewal you can probably find a better premium rate now. Ignore everything you know about auto insurance because you’re about to find out the proper way to find the best coverage while lowering your premiums.

Car insurance discounts are available to reduce your rates

Some insurance providers don’t always publicize their entire list of discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known discounts that may be available. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.

• ABS and Traction Control Discounts – Cars with ABS and/or traction control are much safer to drive so you can save 10 percent or more.
• Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
• Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
• Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and don’t have a car can receive lower rates.
• Defensive Driver Discounts – Completing a defensive driver course could earn you a small percentage discount and easily recoup the cost of the course.
• Online Discount – Some car insurance companies will give you a small discount for buying a policy and signing up on the web.
• Auto/Home Discount – If you have multiple policies with one company they may give you a discount of nearly 15% which can help you find the cheapest insurance.
• No Claims – Drivers with accident-free driving histories pay much less compared to frequent claim filers.
• Good Student – Excelling in school may save as much as 25% on a insurance quote. Most companies allow this discount well after school through age 25.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky.

Large car insurance companies and some of their more popular discounts can be found below.

• 21st Century offers discounts for automatic seat belts, driver training, good student, defensive driver, and air bags.
• State Farm may offer discounts for driver’s education, Steer Clear safe driver discount, multiple policy, anti-theft, and good driver.
• AAA has savings for AAA membership discount, good driver, anti-theft, education and occupation, multi-car, and pay-in-full.
• Liberty Mutual offers discounts including good student, safety features, newly retired, multi-car, new vehicle discount, and newly married.
• Progressive may have discounts that include multi-policy, online signing, multi-vehicle, good student, and continuous coverage.

If you want cheap insurance quotes, ask every prospective company to apply every possible discount. Discounts may not be available everywhere. To view companies that offer discounts, click here to view.

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Smart buyers save every year

An important part of buying insurance is that you know some of the factors that are used to determine the price you pay for insurance coverage. If you understand what determines premiums, this allows you to make good choices that could result in lower premium levels.

The following are a few of the “ingredients” that factor into prices.

• High credit scores save money – A driver’s credit history will be a significant factor in determining premium rates. If your credit is low, you could pay less to insure your 2011 Lincoln MKZ if you improve your credit rating. Insureds with very high credit ratings tend to be better risks to insure than drivers who have poor credit scores.
• Marriage can save on insurance coverage – Being married can actually save you money on your policy. Having a spouse usually means you are more mature and responsible and statistics show married drivers get in fewer accidents.
• Certain vocations raise rates – Jobs such as doctors, social workers and medical professionals have higher rates than average attributed to intense work requirements and long work days. Other occupations such as actors, students and retirees pay lower than average rates for MKZ coverage.
• Keep insurance coverage claims to a minimum – If you file claims often, don’t be surprised to see higher premiums or even policy non-renewal. Companies provide the best rates to people who are not frequent claim filers. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
• Discounts for multiple policies – The majority of insurers allow a discount to buyers that purchase more than one policy in the form of a multi-policy discount. If you currently are using one company, you may still want to check prices from other companies to guarantee you are still saving the most. You may still be able to save even more by buying from different companies
• Is car insurance cheaper for males or females? – Statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that men are worse drivers. Women and men are in fender benders at about the same rate, but guys get into accidents with more damage. Men also tend to get cited for more serious violations like driving under the influence (DUI).
• Why do you need liability insurance? – Liability insurance will protect you if you are found liable for physical damage or personal injury to other. This coverage provides legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.

Everyone needs different car insurance coverages

When buying coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions might point out if your insurance needs could use an agent’s help.

• What should my uninsured motorist coverage limits be in my state?
• Why am I required to buy high-risk coverage?
• Can I drive in Mexico and have coverage?
• Do I have coverage when making deliveries for my home business?
• When do I need to add a new car to my policy?
• What are the best liability limits?
• Do I need higher collision deductibles?
• Is business property covered if stolen from my car?
• How much can I save by bundling my policies?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Don’t be fooled by advertising claims

21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. They all seem to advertise claims about savings if you switch your car insurance coverage to their company. It sounds good, but how can they all make the same claim? Just pay attention to how they say it.

Insurance companies have an ideal profile for the driver that earns them the highest profit. For instance, a profitable customer should be between 30 and 50, has no driving citations, and drives a safe vehicle. A customer getting a price quote who meets those qualifications is entitled to the best price and will most likely save money with a new company.

Potential insureds who are not a match for the requirements must pay more expensive rates and ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people that switch” but not “everyone who gets a quote” save that much when switching. That’s why companies can make claims like that. This really illustrates why you absolutely need to get price quotes at each policy renewal. It’s not possible to predict the company that will have the best premium rates.

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Auto insurance coverages

Understanding the coverages of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as prosthetic devices, rehabilitation expenses, ambulance fees, doctor visits and hospital visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage

This will pay to fix damage to your MKZ from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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 values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like structural damage, medical expenses, legal defense fees and attorney fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

More effort can pay off

Drivers switch companies for a variety of reasons including not issuing a premium refund, unfair underwriting practices, delays in responding to claim requests and even high prices. Whatever your reason, switching companies is not as hard as you think.

Some insurance providers do not offer online quoting and many times these small, regional companies only sell coverage through independent agencies. Budget-friendly car insurance is attainable online and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. In many instances, an insured dropped collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at the best possible price, but do not skimp to save money.

More tips and info about car insurance is located in the articles below:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)

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