Compare 2013 Lincoln MKZ Car Insurance Quotes

Searching for better car insurance rates for your Lincoln MKZ? Searching for the most affordable car insurance over the internet can be somewhat difficult for beginners to buying insurance on the web. Because there are so many online companies, how can you even start to compare them all to find the lowest rates?

The purpose of this post is to help educate you on the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Nevertheless, consumers should learn the way insurance companies market on the web and use this information to your advantage.

Discounts mean cheaper 2013 Lincoln MKZ insurance rates

Insurance can be prohibitively expensive, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be asked for before you will receive the discount.

  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Student in College – Kids in college who live away from home without a vehicle on campus can receive lower rates.
  • One Accident Forgiven – Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.

It’s important to understand that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will cut your premiums.

For a list of insurance companies who offer car insurance discounts, click this link.

Tailor your coverage to you

When buying coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • Why am I required to buy liability insurance?
  • What if I total my 2013 Lincoln MKZ and owe more than it’s worth?
  • I have a DUI can I still get coverage?
  • Is my trailer covered?
  • Am I covered if my car is in a flood?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are there companies who specialize in insuring high-risk drivers?
  • Who is covered by my policy?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

How can State Farm, Geico and Progressive save drivers who switch?

State Farm, Geico and Progressive consistently run ads on television and other media. All the companies make the same claim that you can save if you change your coverage to them. But how can every company say the same thing?

Insurance companies have a preferred profile for the right customer that earns them a profit. A good example of a driver they prefer could be over the age of 50, a clean driving record, and has great credit. Any new insured who matches those parameters will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t meet this ideal profile must pay a higher premium and ends up with business not being written. The ads say “people who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully claim big savings.

This illustrates why drivers must get as many quotes as possible. It is impossible to predict the company that will fit your personal profile best.

Insurance specifics

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto collision coverage

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

Collision insurance covers claims like hitting a mailbox, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Lincoln MKZ.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as prosthetic devices, rehabilitation expenses, surgery, chiropractic care and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as repair costs for stationary objects, emergency aid, funeral expenses, court costs and bail bonds. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for 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 coverage pays for things like falling objects, a tree branch falling on your vehicle, damage from getting keyed and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage on a shoestring budget

We just presented some good ideas how to shop for 2013 Lincoln MKZ insurance online. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. You may even find the lowest premiums are with some of the lesser-known companies.

Consumers who switch companies do it for many reasons like extreme rates for teen drivers, delays in responding to claim requests, denial of a claim or even lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Cheap insurance is definitely available both online as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and these smaller companies work with independent agents.

To learn more, take a look at the resources below: