Save on 2018 Lincoln MKT Insurance Rates

Shopping for affordable auto insurance might seem somewhat difficult for online price comparisons. With literally dozens of insurance companies available, how can anyone even start to compare the different rates to find the best available rates?

Where can I get the cheapest insurance coverage?

Most companies give price estimates direct online. Getting online rates is fairly simple because you just enter the coverage amounts you desire into the form. When complete, the system makes automated requests for information on your driving record and credit history and returns a price based on these factors.

Online price estimates simplifies rate comparisons, but the time required to go to several different sites and type in the same data can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes in order to find the lowest insurance coverage rates.

Isn’t there an easier way to compare rates?

A more efficient way to find lower prices is to use a quote form that gets price quotes from more than one company. It’s a real time-saver, requires much less work on your part, and makes comparison shopping much more enjoyable. After sending the form, it is quoted with multiple companies and you can pick any of the price quotes you receive.

If you find a better price you can click and sign and buy the new coverage. The entire process takes less than 15 minutes and you will know how your current rates stack up.

To find out how much you can save on insurance coverage, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy just like they are on your policy. This ensures you will have comparison quotes for the exact same coverage.

Save with these premium-slashing discounts

Car insurance can be pricey, but you may qualify for discounts that you may not know about. Certain reductions will be credited at the time you complete a quote, but some need to be requested specifically prior to receiving the credit. If you don’t get every credit you deserve, you could be getting lower rates.

  • ABS Braking Discount – Vehicles with ABS and/or traction control are safer to drive and will save you 10% or more.
  • Driver Safety – Taking time to complete a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Military Deployment Discount – Being on active deployment in the military may lower your rates slightly.
  • Telematics Data Discounts – Policyholders that allow their company to track where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if their driving habits are good.
  • Save over 55 – Drivers over the age of 55 may receive better car insurance rates on MKT coverage.
  • Auto/Home Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company they may give you a discount of up to 20% and get you cheaper insurance coverage.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride.

Larger car insurance companies and a selection of discounts are outlined below.

  • AAA has savings for good student, multi-car, education and occupation, good driver, AAA membership discount, multi-policy, and anti-theft.
  • Progressive offers premium reductions for continuous coverage, online signing, online quote discount, multi-policy, homeowner, and multi-vehicle.
  • State Farm has discounts for good driver, multiple autos, student away at school, multiple policy, Drive Safe & Save, anti-theft, and passive restraint.
  • Esurance includes discounts for homeowner, renters, paid-in-full, online shopper, multi-car, and defensive driver.
  • Nationwide may include discounts for good student, multi-policy, accident-free, easy pay, business or organization, and anti-theft.

Before buying, ask all companies you are considering what discounts are available to you. Some discounts may not be available everywhere. If you would like to see a list of car insurance companies that have a full spectrum of discounts, click here to view.

Do I need special coverages?

When it comes to choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique.

These are some specific questions can aid in determining whether you will benefit from professional help.

  • What is high-risk coverage and where do I buy it?
  • Do I need motorclub coverage?
  • Am I covered when driving in Canada or Mexico?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I have combined single limit or split liability limits?
  • Do I need special endorsements for business use of my vehicle?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance 101

Having a good grasp of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability insurance – This will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, medical services and medical expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

Collision – This will pay to fix damage to your MKT caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, scraping a guard rail, crashing into a building, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as surgery, X-ray expenses and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, fire damage, hitting a deer and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Lincoln MKT.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.