2010 Lincoln MKT Insurance Quotes – 6 Ways to Save

Looking for the cheapest insurance rates for your Lincoln MKT? Finding the cheapest insurance for a new or used Lincoln MKT could be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to shop for insurance and we’ll show you the proper way to price shop coverage on a Lincoln and locate the lowest price.

Buying cheaper insurance coverage coverage is simple if you know the tricks. If you have a policy now or need a new policy, you can use these techniques to shop for the lowest rates and still get good coverage. Drivers just need to know how to compare rates over the internet.

Compare Insurance Costs

Comparing insurance rates can be a lot of work if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) driving to local insurance agents in your area, or you could save time and use the web to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace where insurance shoppers only type in their quote data once, and every company returns a rated price. This prevents consumers from doing quotation requests for each company. To compare pricing click here to start a free quote.

The one disadvantage to pricing coverage this way is you don’t know exactly which providers to receive prices from. So if you want to select individual companies to compare rates, we have assembled a list of insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples coverage limits and deductibles on every quote you get. If you have different liability limits it’s not possible to decipher which rate is best.

Save big with these six discounts

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but a few need to be specifically requested before you get the savings. If they aren’t giving you every credit available, you are throwing money away.

  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for MKT insurance depending on your company.
  • Distant Student – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance policy could earn a price break for each car.
  • New Car Discount – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Accident Waiver – A few companies permit an accident before your rates go up if you are claim-free for a set time period.

Drivers should understand that some credits don’t apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will help reduce the amount you have to pay.

To see a list of insurers who offer insurance discounts, click here to view.

But I don’t know anything about car insurance

When choosing coverage, there really is not a “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

  • How do I file an SR-22 for a DUI in my state?
  • What are the financial responsibility laws in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is other people’s property covered if stolen from my vehicle?
  • Is business property covered if stolen from my car?
  • Am I covered if I break a side mirror?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How much liability coverage do I need in my state?
  • Do I have newly-aquired coverage?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Insurance coverage basics

Understanding the coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – This covers damage to your MKT caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, damaging your car on a curb, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Med pay and PIP coverage reimburse you for immediate expenses like nursing services, EMT expenses, pain medications, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability insurance – Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, bail bonds, medical expenses, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Lincoln MKT.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, rock chips in glass, a tree branch falling on your vehicle and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.