Save on 2013 Lincoln MKT Car Insurance Rates

Looking for lower insurance rates for your Lincoln MKT? Confused by the sheer number of insurance companies? You’re not alone. You have so many choices that it can quickly become more work than you anticipated to compare prices.

Some factors that can determine what Lincoln MKT insurance costs

An important part of buying insurance is that you know the factors that come into play when calculating your insurance coverage rates. Understanding what determines base rates helps enable you to make changes that will entitle you to lower insurance coverage prices.

The list below includes some of the factors that factor into prices.

  • Lower rates with optional equipment – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Drive less and save money – The more you drive in a year the more you will pay for insurance coverage. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your MKT may be wasting your money. Ask your agent if your insurance coverage policy properly reflects the correct driver usage, because it can save money.
  • Higher safety ratings means cheaper insurance – Safer cars can get you lower premiums. Safer cars have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you. If the Lincoln MKT scored better than four stars on Safercar.gov you may qualify for a discount.
  • Liability coverage is cheap – The liability section of your policy provides coverage if ever you are found to be at fault for personal injury or accident damage. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Where you reside plays a part – Being located in a small town is a positive aspect when buying insurance coverage. Fewer people means fewer accidents and a lower car theft rate. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Bundling policies can get discounts – Some companies will give a discount to insureds who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, you may still want to compare rates to make sure you are getting the best deal. Drivers may still find better rates by buying insurance coverage from a different company.
  • With age comes lower rates – Youthful drivers are statistically proven to be less responsible behind the wheel so they pay higher insurance coverage rates. Adding a teen driver onto your insurance coverage can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for insurance coverage? Careers like real estate brokers, business owners and accountants are shown to have higher rates than average due to high stress levels and lots of time spent at work. On the flip side, jobs such as farmers, athletes and homemakers pay the least for MKT insurance.

How to Compare Auto Insurance Quotes

Most companies like State Farm and Allstate give price estimates on their websites. Getting online rates is pretty painless as you simply type in your coverage preferences into the quote form. Once entered, their system orders your credit score and driving record and generates a price.

Online quotes helps simplify price comparisons, but the work required to visit a lot of sites and complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to perform this step in order to find better auto insurance pricing.

The easiest way to compare rates requires only one form that obtains quotes from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes online shopping much more efficient. Immediately after you send the form, it is quoted and you can choose any of the returned quotes.

If the quotes result in lower rates, you can click and sign and buy the policy. The entire process takes 15 minutes at the most and may result in a nice savings.

To find out how much you’re overpaying now, click here and input your coverage information. If you currently have coverage, we recommend you replicate the coverage information exactly as shown on your declarations page. Doing this guarantees you will have a fair comparison for similar insurance coverage.

Buyer beware of car insurance advertising tricks

Companies like State Farm and Allstate regularly use ads in print and on television. All the ads make the same claim about savings if you move to them. But how can every company say the same thing?

Different companies have a preferred profile for the type of customer that is profitable for them. For example, a driver they prefer could possibly be between the ages of 40 and 55, has no tickets, and has great credit. A driver that hits that “sweet spot” will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who do not match the “perfect” profile will be quoted more money and this can result in business going elsewhere. The ad wording is “customers that switch” not “people who quote” save that kind of money. That’s the way insurance companies can confidently advertise the way they do.

This emphasizes why you absolutely need to get quotes from several different companies. It’s not possible to predict the company that will give you the biggest savings on Lincoln MKT insurance.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but you can get discounts to help offset the cost. Most are applied when you complete an application, but less common discounts must be specifically requested before you will receive the discount.

  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • 55 and Retired – Mature drivers can possibly qualify for a discount up to 10% for MKT insurance.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for MKT insurance with a few insurance coverage companies.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • No Charge for an Accident – Some insurance companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will cut the cost of coverage.

To see a list of providers with the best insurance coverage discounts, follow this link.

Situations that might require an agent

When it comes to buying coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need roadside assistance coverage?
  • At what point should I drop full coverage?
  • Should I buy additional glass protection?
  • When should my teen driver be added to my policy?
  • Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses such as funeral costs, hospital visits, chiropractic care, doctor visits and pain medications. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your MKT from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, rock chips in glass and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

Liability insurance will cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, medical expenses and medical services. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln MKT.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

More comparisons equals lower rates

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your aim should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Budget-conscious 2013 Lincoln MKT insurance can be found both online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and these small, regional companies work with independent agents.

Drivers who switch companies do it for a variety of reasons including policy cancellation, poor customer service, unfair underwriting practices or delays in responding to claim requests. Regardless of your reason, finding the right car insurance provider is actually quite simple.

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