2018 Lincoln MKT Insurance Cost – 7 Tips for Best Prices

Buyers have a choice when searching for low-cost Lincoln MKT insurance. They can either spend hours driving around trying to get quotes or use the internet to get rate quotes. There are more efficient ways to buy insurance coverage so we’re going to tell you the absolute fastest way to price shop coverage for a Lincoln and find the lowest price from both online companies and local agents.

Buying car insurance is not that difficult. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these techniques. Drivers just need to learn the proper methods to compare prices on the web.

Shop insurance coverage online

Finding a better price on insurance coverage is actually easier than you may think. Just spend a few minutes getting comparison quotes to find out which insurance company has cheap car insurance quotes. It is quite easy and can be accomplished in several different ways.

The most efficient way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for separate quotes for each company you want a rate for. In just a few minutes this one form will get you rate comparisons from all major companies. It’s definitely the quickest method.

A more difficult way to analyze rates is to take the time to go to the website for every company you want to comare and complete a new quote form. For sake of this example, we’ll pretend you want to view quotes from Farmers, Progressive and Geico. You would be required to go to each individual site and enter your policy data, which is why the first method is quicker.

To view a list of companies in your area, click here.

The most difficult method to find cheaper rates is to waste gas driving to insurance agents’ offices. The ability to quote online eliminates the middleman unless you want the peace of mind of a licensed agent. Although, it is possible compare the best prices online but purchase the actual policy in an agency.

Take whichever approach you prefer, but compare the exact same coverages for every company. If the quotes have unequal deductibles or liability limits you will not be able to determine the best price for your Lincoln MKT.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Pay discount rates these seven discounts

Not many people think insurance is cheap, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but once in a while a discount must be asked about prior to receiving the credit. If you aren’t receiving every discount you qualify for, you could be paying more than you need to.

• Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
• Claim Free – Insureds who avoid accidents and claims get the best insurance rates in comparison to drivers with a long claim history.
• Auto/Home Discount – If you combine your home and auto policies with one insurance company you may save over 10 percent off each policy depending on the company.
• Resident Student – Older children who are attending college and do not have access to a covered vehicle could qualify for this discount.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
• Student Discount for Driver Training – Have your child enroll in driver’s education in high school.
• Renewal Discounts – Some larger companies reward drivers for signing up early. It can save you around 10%.

Don’t be shocked that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think it’s possible to get free car insurance, insurance companies aren’t that generous.

Insurance companies that may offer these money-saving discounts include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

Before you buy a policy, ask each insurance company the best way to save money. Depending on the company, some discounts may not be offered in your area. If you would like to view companies that offer the discounts shown above, click here to view.

Special considerations

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions might point out if your insurance needs might need professional guidance.

• Should I have a commercial auto policy?
• Should I rate my 2018 Lincoln MKT as pleasure use or commute?
• Does my car insurance cover rental cars?
• Does my policy cover me when driving someone else’s vehicle?
• Can I afford to pay high deductible claims out of pocket?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is the difference between comprehensive and collision coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, damage from a tornado or hurricane and a broken windshield. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses for things like surgery, chiropractic care, pain medications and prosthetic devices. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists 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 carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as structural damage, legal defense fees, pain and suffering and bail bonds. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Quote often and quote early

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where consumers will sacrifice liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

Some insurance companies do not provide online rate quotes smaller companies work with independent agents. More affordable insurance is available online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money.

Drivers switch companies for a number of reasons such as poor customer service, being labeled a high risk driver, delays in responding to claim requests and even lack of trust in their agent. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.

Much more information about insurance is located at the links below

• Auto Insurance Basics (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Distracted Driving (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Collision Insurance Coverage (Nationwide)
• Uninsured Motorist Statistics (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption