2013 Lincoln MKZ Insurance Quotes – 10 Tricks for Cheapest Rates

Saving money on car insurance may be quite difficult for people who are new to online rate comparisons. With literally dozens of companies, it can easily turn into a lot of work to find the lowest price.

These ten discounts can lower your insurance coverage quotes

Some providers don’t always publicize their entire list of discounts very clearly, so the next list breaks down some of the best known and the more hidden discounts that may be available.

• Sign Online – Some insurance companies will give a small break just for signing your application online.
• Passive Restraints and Air Bags – Vehicles with factory air bags can get savings as much as 30%.
• Low Mileage Discounts – Driving fewer miles can earn slightly better premium rates than normal.
• Senior Citizen Rates – Drivers that qualify as senior citizens could receive a discount up to 10% on MKZ insurance.
• Policy Bundle Discount – If you can combine your auto and home policy and place coverage with the same company you could get a discount of nearly 15% which can help you find affordable insurance.
• Telematics Data – People who choose to allow their insurance company to track driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they have good driving habits.
• Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.
• Theft Deterent – Cars equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your insurance quote.
• Lower Rates for Military – Having a deployed family member may lower your rates slightly.
• Life Insurance – Insurance coverage companies who offer life insurance give better prices if you take out auto and life insurance together.

Discounts lower rates, but most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you could get a free insurance coverage policy, companies don’t profit that way.

Companies and a summarized list of policyholder discounts can be found below.

• State Farm offers premium reductions for accident-free, Drive Safe & Save, passive restraint, driver’s education, and multiple autos.
• Geico offers discounts for federal employee, driver training, seat belt use, daytime running lights, and five-year accident-free.
• Allstate may have discounts that include utility vehicle, 55 and retired, FullPay discount, premier plus, economy car, and multi-policy.
• SAFECO discounts include safe driver, anti-theft, teen safety rewards, accident prevention training, and multi-car.
• Farm Bureau policyholders can earn discounts including renewal discount, 55 and retired, youthful driver, driver training, multi-vehicle, and good student.
• Progressive has discounts for multi-vehicle, online quote discount, multi-policy, online signing, and good student.
• AAA includes discounts for multi-car, anti-theft, education and occupation, AAA membership discount, good student, pay-in-full, and good driver.

When getting free insurance quotes, it’s a good idea to every company what discounts are available to you. Some discounts may not apply to policies in your area. To see a list of insurers who offer online insurance coverage quotes, click this link.

Different people need different auto insurance coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

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

• Is my dog or cat covered if injured in an accident?
• Does my policy cover my teen driver if they drive my company car?
• Why do I need rental car insurance?
• When does my teenage driver need to be added to my policy?
• What can I do if my company denied a claim?
• Does having multiple vehicles earn me a discount?
• Can my teen driver be rated on a liability-only vehicle?
• When would I need additional glass coverage?
• Do I need motorclub coverage?
• Is my custom paint covered by insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Insurance coverage options for a 2013 Lincoln MKZ

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like legal defense fees, bail bonds and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses like pain medications, hospital visits, dental work and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, hitting a bird, a tree branch falling on your vehicle, hitting a deer and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Quote more. Save more.

When searching for inexpensive insurance quotes, never skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced full coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

Consumers leave their current company for a variety of reasons including being labeled a high risk driver, extreme rates for teen drivers, delays in responding to claim requests or an unsatisfactory settlement offer. Whatever your reason, switching car insurance companies is not as hard as you think.

We just showed you many tips how you can save on 2013 Lincoln MKZ insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your auto insurance rates. You may even discover the biggest savings come from some of the smallest insurance companies.

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

• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)