Cheaper 2017 Lincoln MKT Insurance Rates

If you are new to online price comparisons, most likely you are confused by the crazy number of online companies that all say they have the best rates.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. The purpose of this article is to help educate you on the best way to quote coverages and some tips to save money. Nevertheless, drivers must know how insurance companies compete online.

How to compare auto insurance quotes

Many insurance companies such as Allstate, Geico and Progressive provide coverage price quotes on their websites. Getting prices online is fairly simple as you just type in the amount of coverage you want on the page. When the form is submitted, the company’s rating system orders information on your driving record and credit history and returns a price.

Online quotes helps simplify price comparisons, but the time required to go to each company’s website and repetitively complete many quote forms is a big time waster. But it is imperative to do this in order to get better auto insurance pricing.

A less time-consuming method to lower your auto insurance bill makes use of a single form that obtains quotes from several companies at one time. This type of form saves time, requires less work, and makes price shopping online much easier. Immediately after you send the form, it is quoted and you can select any or none of the quotes returned.

If you find a better price it’s easy to complete the application and buy the new coverage. It takes 15 minutes at the most and can result in significant savings.

To fill out one form to compare multiple rates now, click here to open in new window and submit the form. If you have a policy now, it’s recommended that you enter the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will have a rate comparison for the exact same coverage.

Use discounts to get cheaper auto insurance rates

Auto insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that can help lower your rates. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be manually applied before you will receive the discount. If you are not receiving all the discounts possible, you are throwing money away.

  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
  • Switch and Save Discount – Select larger companies give a discount for buying a policy before your current expiration date. You could save around 10% when you buy car insurance online.
  • Senior Citizens – Drivers that qualify as senior citizens are able to get a small discount on rates for MKT coverage.
  • Military Discounts – Being deployed in the military could trigger a small discount.
  • Telematics Devices – Insureds who allow their insurance company to look at their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, companies wouldn’t make money that way.

Companies and some of the discounts are shown below.

  • Geico may offer discounts for anti-lock brakes, emergency military deployment, good student, seat belt use, and federal employee.
  • MetLife has discounts for claim-free, defensive driver, accident-free, good student, multi-policy, good driver
  • State Farm has savings for defensive driving training, multiple policy, accident-free, passive restraint, and good student.
  • Progressive may have discounts that include continuous coverage, multi-vehicle, multi-policy, online quote discount, good student, and homeowner.
  • Mercury Insurance policyholders can earn discounts including good driver, professional/association, age of vehicle, annual mileage, good student, accident-free, and anti-theft.
  • 21st Century offers premium reductions for defensive driver, 55 and older, early bird, driver training, automatic seat belts, teen driver, and theft prevention.
  • Allstate offers discounts including defensive driver, farm vehicle, eSmart discount, resident student, premier discount, multi-policy, and early signing.

When quoting, ask each insurance company to apply every possible discount. Savings might not be available to policyholders in every state.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Will my insurance pay for OEM parts?
  • Do I need special endorsements for business use of my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need replacement cost coverage?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance costs are influenced by these factors

Lots of factors are used when you quote your car insurance policy. Some are obvious like a motor vehicle report, but others are more obscure like your continuous coverage or your vehicle rating.

  • Don’t cancel your insurance coverage without a new one in place – Letting your insurance expire is a sure-fire way to increase your insurance coverage rates. Not only will you pay higher rates, getting caught without coverage could earn you a revoked license or a big fine.
  • Premiums are lower the older you get – Older, more experienced drivers are more responsible, statistically cause fewer accidents and receive fewer citations.Teenage drivers have been known to get distracted easily when driving with friends and because of this, their insurance coverage rates are much higher.
  • High comp and collision deductibles reduce costs – Insurance for physical damage to your car, also called ‘full coverage’, insures against damage to your Lincoln. Some coverage claims are running into the backend of another car, vandalism, and damage from a fallen tree branch. Comp and collision deductibles define the amount you are required to pay before your insurance coverage pays a claim. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be for MKT coverage.
  • Driving citations can increase rates – Being a careful driver has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates compared to drivers with tickets. Only having one chargable violation could increase your next policy renewal forty percent or more. Drivers who have gotten multiple citations such as reckless driving or DUI may face state-mandated requirements to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Combine policies to earn discounts – Many insurers will give lower prices to people who consolidate policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount you may still want to shop around to ensure the best deal.
  • Save by driving cars with good safety ratings – Safer cars cost less to insure. Highly rated vehicles result in less severe injuries and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders. If your Lincoln MKT earned at least four stars on Safercar.gov you may qualify for a discount.
  • Women tend to cost less – Over time, data shows that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Women and men have auto accidents at a similar rate, but the men have accidents that have higher claims. In addition to higher claims, males also get cited for more serious violations such as DWI and reckless driving.

Be skeptical of insurance coverage ads

Popular insurance coverage providers such as Allstate, Geico and Progressive continually stream ads on television and other media. They all seem to say the same thing that drivers will save a bundle if you just switch your insurance coverage coverage to their company. How does each company have lower policy pricing? This is the trick they use.

Insurance providers have specific criteria for a prospective insured that will generate a profit. One example of a profitable insured could possibly be a married male, has a clean driving record, and has a short commute. Anyone who matches those parameters will qualify for the lowest premium rates and will cut their rates substantially.

People who fall outside this ideal profile must pay higher prices which leads to business going elsewhere. If you pay attention, the ads say “people who switch” not “everyone that quotes” save that much when switching. This is how companies can claim big savings.

This really illustrates why drivers should get as many free car insurance quotes as possible. It’s not possible to predict which company will have the best prices at this point in time.

Learn about car insurance coverages for a Lincoln MKT

Having a good grasp of car insurance helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, a broken windshield and hitting a deer. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as dental work, prosthetic devices, EMT expenses and doctor visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

This pays for damage to your MKT from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, hitting a mailbox, driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: 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 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like loss of income, attorney fees, repair costs for stationary objects, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Lincoln MKT.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Shop Smart and Save

Affordable 2017 Lincoln MKT insurance can be bought on the web and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies do not provide rate quotes online and most of the time these small insurance companies only sell through local independent agents.

In this article, we presented many ideas to compare 2017 Lincoln MKT insurance car insurance rates online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a small local company.

When getting car insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your objective should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

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