2012 Lincoln MKT Insurance Quotes – 9 Tricks for Cheaper Rates

Looking for better auto insurance rates for your Lincoln MKT? Having to pay for overpriced auto insurance can overdraw your bank account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Because you have many options, it can be diffult for consumers to find the best provider.

Smart consumers take time to do rate comparisons at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. If you had the best deal for MKT insurance two years ago you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance online but by reading this article, you’re going to learn a bunch of ideas how to find cheap auto insurance.

Insurance Coverage Prices Online

When shopping for insurance coverage there are multiple ways to compare rate quotes from insurance coverage companies in your area. The best method to find the lowest 2012 Lincoln MKT rates is simply to get online rate quotes. This can be accomplished in several different ways.

One of the best ways to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for separate forms to each individual insurance coverage company. Taking the time to complete one form gets rate comparisons from multiple low-cost companies.

A slightly less efficient method to shop for insurance coverage online is spending the time to visit the website for each individual company to complete their respective quote request forms. For instance, let’s assume you want to compare rates from Auto-Owners, Safeco and Liberty Mutual. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The least recommended method to compare rates is to spend your day driving to different agent offices. The internet eliminates the need for an insurance agent unless you have a need for the professional advice only provided by licensed agents. You can, however, compare the best prices online but still have the advice of a local agent.

Whichever method you choose, ensure you are comparing identical quote information on every quote. If the quotes have different limits and deductibles on each one it will be very difficult to find the best deal for your Lincoln MKT. Quoting even small variations in coverage limits can make a big difference in price. It’s important to know that getting more free quotes gives you a better chance of getting better pricing.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

• Why does it cost so much to insure a teen driver?
• Am I covered if I hit a deer?
• Does insurance cover tools stolen from my truck?
• Do I need rental car coverage?
• I have good health insurance, so how much medical payments coverage do I need?
• Does liability extend to a camper or trailer?
• What companies insure drivers after a DUI or DWI?
• Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Insurance policy specifics

Having a good grasp of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from insurance companies.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses for things like surgery, nursing services, chiropractic care, EMT expenses and funeral costs. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your MKT caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, theft, a tree branch falling on your vehicle and falling objects. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

This will cover damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, pain and suffering and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Lincoln MKT.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.