Compare 2014 Lincoln MKZ Car Insurance Cost

Have you had enough of robbing Peter to pay Paul to insure your Lincoln every month? You are in the same boat as many other drivers. You have so many insurance companies to insure vehicles with, and although it’s nice to have a choice, too many choices makes it more difficult to find the best rates for your vehicles.

Buying car insurance is not that difficult. If you have a policy now or are shopping for new coverage, you can use these tips to find better prices while maintaining coverages. Vehicle owners only need to know the tricks to get comparison rates online.

Free Car Insurance Quotes

Shopping for lower car insurance rates can be exhausting if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking to agents in your area, or you can utilize online quotes to maximize your effort.

Most of the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and each company then gives them pricing based on the submitted data. This saves time by eliminating quote forms for every car insurance company.

To find out what other companies charge for 2014 Lincoln MKZ insurance click here (opens in new window).

The one downside to pricing coverage this way is you don’t know exactly which companies you will receive quotes from. So if you prefer to pick individual companies to receive pricing from, we have a listing of low cost car insurance companies in your area. Click here to view list.

Which method you use is up to you, but compare exactly the same quote information for every quote you compare. If each company quotes different deductibles it will be very difficult to decipher which rate is best.

Save $387 a year? Really?

Consumers can’t get away from ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the ads say the same thing that you’ll save big if you switch to them.

How does each company make almost identical claims?

All companies can use profiling for the type of driver that makes them money. An example of a driver they prefer might be between 30 and 50, has no tickets, and has excellent credit. Any driver that hits that “sweet spot” will get the preferred rates and therefore will save quite a bit of money when switching.

Potential insureds who don’t meet the requirements will be quoted a higher premium which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That’s why companies can claim big savings. This emphasizes why it is so important to get a wide range of price quotes. It is impossible to predict which insurance companies will give you the biggest savings on Lincoln MKZ insurance.

Save with discounts on Lincoln MKZ insurance

Companies that sell car insurance don’t list all available discounts very clearly, so we break down both the well known as well as the least known discounts you could be receiving. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for MKZ insurance than less cautious drivers.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Club Memberships – Participating in a civic or occupational organization could qualify you for a break when shopping for insurance coverage for MKZ insurance.
  • New Car Discount – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Sign Online – Certain companies may give you up to $50 for buying your policy online.
  • Drive Less and Save – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Accident Waiver – Some insurance companies permit an accident before your rates go up if your claims history is clear for a certain period of time.
  • Accident Free – Claim-free drivers pay much less when compared to accident-prone drivers.
  • Homeowners Savings – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.

Drivers should understand that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

For a list of insurance companies with the best insurance coverage discounts, click here to view.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions could help you determine if your insurance needs might need professional guidance.

  • What is UM/UIM insurance?
  • If my 2014 Lincoln MKZ is totaled, can I afford another vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I rate my 2014 Lincoln MKZ as pleasure use or commute?
  • When do I need to add a new car to my policy?
  • Should I have combined single limit or split liability limits?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need more liability coverage?
  • Does coverage extend to my business vehicle?
  • Should I have a commercial auto policy?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Parts of your car insurance policy

Knowing the specifics of car insurance can be of help when determining which coverages you need for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Comprehensive protection – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a deer, theft and rock chips in glass. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – This can cover damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, repair bills for other people’s vehicles, court costs, emergency aid and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Lincoln MKZ.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense coverage – Med pay and PIP coverage kick in for immediate expenses for prosthetic devices, ambulance fees, chiropractic care, funeral costs and rehabilitation expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to 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

Buy Smart and Save

Budget-conscious 2014 Lincoln MKZ insurance is definitely available online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where an accident victim reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

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