Cheap 2015 Lincoln MKZ Insurance Rates

Searching for cheaper auto insurance rates for your Lincoln MKZ? No one in their right mind enjoys paying for auto insurance, in particular when they are paying too much.

Drivers have so many car insurance companies to pick from, and even though it’s nice to have a choice, it can be more difficult to find a good deal.

Choosing the best insurance company for you is quite easy. Just about anyone who buys insurance coverage will most likely be able to find better rates. But car owners need to learn how companies price online insurance and use this information to your advantage.

How to Compare Car Insurance Costs

Performing a rate comparison can take hours if you don’t know the easiest way. You could spend your day driving to insurance companies in your area, or you can utilize online quotes for quick rates.

Many of the larger companies belong to an insurance system that enables customers to enter their coverage request one time, and each company can give them a price based on the submitted data. This eliminates the need for quote requests to each individual car insurance company.

To participate in this free quote system, click here to open in new window.

The only downside to doing it this way is you cannot specify which providers you want to price. If you would rather choose from a list of companies to compare rates, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you use identical coverages and limits for each price quote. If you compare different liability limits you can’t possibly make an equal comparison. Having just a slight variation in coverage limits may result in a large different in cost. Just remember that getting more free quotes will increase your chances of finding the best rates.

Discounts are basically free money

Companies offering auto insurance don’t always list every discount very well, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving.

Club Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when buying insurance on MKZ coverage.
Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
Homeowners Pay Less – Simply owning a home may trigger a insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Save with a New Car – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.

Keep in mind that some credits don’t apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

Companies who might offer these benefits may include but are not limited to:

Before buying, ask each insurance company how you can save money. All car insurance discounts may not be available in every state.

Which insurance is the “right” coverage?

When choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different and your policy should reflect that. For example, these questions could help you determine whether you would benefit from an agent’s advice.

Who is covered by my policy?
Where can I find DUI or SR-22 insurance?
Is a blown tire covered by insurance?
Which companies will insure high-risk drivers?
Should I waive the damage coverage when renting a car?
Do I have coverage if my license is suspended?
If my 2015 Lincoln MKZ is totaled, can I afford another vehicle?
What vehicles should carry emergency assistance coverage?
Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage basics

Understanding the coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Coverage for liability

Liability coverage will cover damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like repair costs for stationary objects, medical expenses, funeral expenses, medical services and court costs. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, rock chips in glass, vandalism, hitting a bird and damage from a tornado or hurricane. 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 probably time to drop comprehensive insurance.

Collision coverage

This pays for damage to your MKZ resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for chiropractic care, EMT expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.