How Much Does 2016 Lincoln MKT Car Insurance Cost?

Trying to find cheaper car insurance rates for your Lincoln MKT? No one looks forward to paying for car insurance, especially when they are paying too much.

Insurance companies such as Geico and Progressive all promote huge savings with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. Although vehicle owners do need to understand how big insurance companies sell online because it can help you find the best coverage.

Reduce insurance rates with these tips

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that aid in calculating your policy premiums. When consumers understand what determines base rates, this empowers consumers to make smart changes that can help you get much lower annual insurance costs. Lots of things are taken into consideration when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, although others are not as apparent such as whether you are married or your commute time.

The itemized list below are some of the most rate-impacting factors used by companies to determine rates.

• Long commutes cost more – Driving more miles each year the more you will pay for insurance. Most insurance companies rate vehicles partially by how you use the vehicle. Autos that are left in the garage cost less to insure than those that get driven frequently. Improper usage on your MKT may be wasting your money. Make sure your insurance coverage correctly shows the proper vehicle usage.
• Premiums are affected by your credit history – Your credit score is a large factor in determining premium rates. Consumers who have high credit scores tend to file fewer claims as compared to drivers with poor credit scores. If your credit rating can use some improvement, you could save money insuring your 2016 Lincoln MKT if you clean up your credit.
• Reduce prices by driving cars with good safety ratings – Vehicles that have high safety ratings cost less to insure. Safer cars result in less severe injuries and lower injury rates means less claims paid and cheaper rates on your policy. If your Lincoln MKT earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Bundle policies and save money – Many insurance companies will award a discount for people who carry more than one policy in the form of a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s still a good idea to get quotes from other companies to ensure the best deal. It’s possible to still save money even if you insure with multiple companies
• Car insurance liability limits – The liability section of your policy is the coverage that protects you when you are found to be at fault for personal injury or accident damage. It will provide for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
• Pay more if you have a long commute – Choosing to live in a rural area is a good thing when insuring your vehicles. Less people living in that area means less chance of accidents and lower theft and vandalism rates. City drivers tend to have traffic congestion and more severe claims. Higher commute times can result in more accidents.
• Experienced drivers save more – Inexperience drivers have a tendency to be easily distracted in a vehicle so they pay higher insurance rates. If you’ve ever had to add a youthful driver to your policy can really hurt. More mature drivers are viewed as being more responsible, statistically cause fewer accidents , and are generally more financially stable.

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Use discounts to get cheaper insurance coverage quotes

Insurance coverage can be pricey, but companies offer discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you get a quote, but a few must be inquired about prior to getting the savings. If you are not receiving all the discounts possible, you could be paying more than you need to.

• Military Rewards – Having an actively deployed family member could be rewarded with lower prices.
• Telematics Devices – People who choose to allow data collection to track where and when they drive by using a small device installed in their vehicle like Allstate’s Drivewise may get a rate reduction as long as they are good drivers.
• E-sign – A few insurance coverage companies provide a small discount simply for signing on your computer.
• Fewer Miles Equal More Savings – Fewer annual miles on your Lincoln may enable drivers to earn substantially lower prices.
• Distant Student Discount – Any of your kids who live away from home at college and leave their car at home may be able to be covered for less.
• Homeowners Savings – Owning your own home or condo may trigger a policy discount on insurance coverage because owning a home shows financial diligence.
• Good Driver Discounts – Safe drivers could pay up to 40% less for MKT coverage compared to accident prone drivers.
• Defensive Driving Course – Passing a course teaching defensive driver skills could save 5% or more depending on where you live.
• One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies permit an accident before raising your premiums if you have no claims for a specific time period.

Remember that most credits do not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you aren’t that lucky.

The best insurance coverage companies and a partial list of their discounts are:

• State Farm includes discounts for driver’s education, Steer Clear safe driver discount, good driver, anti-theft, multiple policy, and defensive driving training.
• American Family may offer discounts for Steer into Savings, bundled insurance, multi-vehicle, TimeAway discount, and accident-free.
• Geico offers discounts including military active duty, five-year accident-free, emergency military deployment, anti-theft, and defensive driver.
• 21st Century has discounts for air bags, homeowners, teen driver, student driver, and anti-lock brakes.
• Progressive may have discounts that include good student, multi-vehicle, online signing, continuous coverage, online quote discount, multi-policy, and homeowner.

If you want affordable auto insurance quotes, ask all companies you are considering which discounts you qualify for. Depending on the company, some discounts may not apply in every state. To find companies who offer discounts, click here to view.

Insurance myths debunked

Insurance providers like Allstate and Progressive regularly use ads on television and other media. They all advertise claims that drivers will save a bundle just by moving your insurance policy to them. How do they all give you a better price? It’s all in the words they use.

Companies look for specific characteristics for the type of insured that earns them a profit. A good example of a profitable customer could be a mature driver, has no driving citations, and chooses high deductibles. Someone that hits that “sweet spot” will most likely get cheap car insurance rates and is almost guaranteed to save if they switch.

Potential customers who fall outside these standards will see higher premiums and ends up with the customer buying from a different company. The trick is to say “customers who switch” but not “everyone who gets a quote” save the amount stated. That’s the way insurance companies can confidently make claims like that. This really emphasizes why it is so important to quote coverage with many companies. Because you never know which insurance company will fit your personal profile best.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

• Am I better off with higher deductibles on my 2016 Lincoln MKT?
• How many claims can I have before being cancelled?
• Will I lose any money if I cancel my policy before it expires?
• Does coverage extend to a rental car in a foreign country?
• Is my babysitter covered when using my vehicle?
• Is my 2016 Lincoln MKT covered for flood damage?
• Why does it cost so much to insure a teen driver?
• Who is covered by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

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Car insurance 101

Knowing the specifics of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on the average auto insurance policy.

Auto collision coverage

This coverage will pay to fix damage to your MKT from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, crashing into a building, colliding with a tree, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability

This coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, funeral expenses, bail bonds, structural damage and legal defense fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, hitting a bird, damage from flooding and theft. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, pain medications, dental work, EMT expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all 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

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Lincoln MKT.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Do the work, save more money

You just read a lot of information how to shop for 2016 Lincoln MKT insurance online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best premium rates are with a small local company. Smaller companies can often provide lower prices in certain areas compared to the large companies like State Farm or Progressive.

Budget-friendly car insurance can be sourced both online and from local insurance agents, and you should be comparing both to get a complete price analysis. Some companies may not provide the ability to get quotes online and these small insurance companies work with independent insurance agencies.

Even more information can be found in the articles below:

• Comprehensive Coverage (Liberty Mutual)
• Insuring a Leased Car (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)

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