1996 Lincoln Mark VIII Insurance Rates

Trying to find cheaper insurance rates for your Lincoln Mark VIII? I can’t think of anyone who looks forward to paying for insurance, particularly when their premiums are through the roof. There is such a variety of insurance companies to pick from, and although it’s nice to be able to choose, it can be more difficult to compare company pricing.

Insurance Comparisons

Finding cheaper 1996 Lincoln Mark VIII insurance prices is actually quite simple. The only requirement is to spend a little time to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate quote forms for every insurance company. In just a few minutes this one form will return price quotes direct from many companies.

A different way to compare prices requires you to visit each company’s website and fill out their own quote form. For examples sake, we’ll assume you want to compare Auto-Owners, Allstate and Progressive. You would have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverages and limits with each company. If you are comparing unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best.

Don’t pay full price with these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but a few must be specially asked for before you get the savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for reduced rates for Mark VIII coverage.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Mark VIII coverage than less cautious drivers.
  • Drivers Education – Have your child enroll in driver’s education if offered at their school.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, insurance coverage companies aren’t that generous. But any discount will reduce your premiums.

A partial list of companies that may have these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts may not apply in your state.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • What is the ISO rating for a 1996 Lincoln Mark VIII?
  • When should I remove comp and collision on my 1996 Lincoln Mark VIII?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if hit by an uninsured driver?
  • How can I force my company to pay a claim?
  • Who is covered when they drive my 1996 Lincoln Mark VIII?
  • Do I need rental car coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Information about specific coverages

Having a good grasp of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.

Auto liability – Liability insurance can cover damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like attorney fees, pain and suffering, medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like ambulance fees, funeral costs and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Collision – Collision coverage will pay to fix damage to your Mark VIII resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln Mark VIII.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, hail damage, a tree branch falling on your vehicle, falling objects and damage from getting keyed. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.