Compare 2016 Lincoln MKZ Insurance Quotes

Nobody likes having to buy insurance, particularly when their premiums are through the roof. There are many insurers to pick from, and although it’s a good thing to be able to choose, lots of choices makes it harder to adequately compare rates.

It’s a good idea to shop coverage around once or twice a year because prices trend upward over time. Even if you got the best rates on MKZ coverage a few years ago you will most likely find a better rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the best methods to find better coverage at a better price.

Free Quotes for Insurance Coverage

All the larger insurance coverage companies quote prices for coverage online. Getting online quotes is fairly straightforward as you just enter your personal and coverage information into a form. After you submit the form their rating system requests your credit score and driving record and gives you a price quote based on many factors. Quoting online helps simplify price comparisons, but the work required to visit each company’s website and repetitively enter the same data into a form is not the best way to spend an afternoon. But it’s very important to perform this step if you are searching for the lowest possible prices on insurance coverage.

Isn’t there an easier way to compare rates?

A less time-consuming method to compare insurance coverage pricing is to use a quote form that gets prices from many companies. The form is fast, reduces the work, and makes price shopping online much simpler. After sending your information, it gets priced and you can select any one of the quote results. If a lower price is quoted, you can simply submit the application and purchase coverage. It takes just a few minutes to complete and you will know how your current rates stack up.

To save time and compare rates using this form now, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you complete the form with deductibles and limits exactly as they are listed on your policy. Doing this guarantees you will be getting a price comparison for similar coverage.

There’s no such thing as the perfect policy

When choosing coverage, there isn’t really a perfect coverage plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • Will filing a claim cost me more?
  • Is business property covered if stolen from my car?
  • Does having multiple vehicles earn me a discount?
  • Do I really need UM/UIM coverage?
  • Is my dog or cat covered if injured in an accident?
  • Should I drop comprehensive coverage on older vehicles?
  • What is the ISO rating for a 2016 Lincoln MKZ?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Parts of your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like dental work, X-ray expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2016 Lincoln MKZ.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability insurance

This coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, court costs, medical services, legal defense fees and bail bonds. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your MKZ from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, hitting a mailbox, rolling your car, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from 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 insurance covers things such as hitting a bird, a tree branch falling on your vehicle and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.