2014 Lincoln MKS Insurance Quotes

Having to pay for overpriced Lincoln MKS insurance can dwindle your checking account and make it impossible to make ends meet. Doing a price comparison is a great way to reduce premiums and put more money in your pocket. Numerous auto insurance companies battle for your business, and it can be difficult to compare rates to find the best price available.

If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to shop for the lowest rates and still get good coverage. Buying car insurance is easy if you know what you’re doing. Consumers only need to know the most effective way to buy car insurance on the web.

Finding Insurance Deals

There are a variety of methods to shop for 2014 Lincoln MKS insurance, but some are less labor-intensive and much quicker. You can spend countless hours driving to local insurance agents in your area, or you could use the internet for quick rates.

The majority of car insurance companies belong to a marketplace that enables customers to complete one form, and each participating company can provide price quotes based on that data. This prevents consumers from doing quote requests to every company.

To submit your quote information now, click here to open in new window.

The one downside to pricing coverage this way is you cannot specify the companies you want pricing from. If you wish to select specific insurance companies to request quotes from, we have a page of low cost insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverage limits on every quote you get. If you are comparing differing limits it’s not possible to make an equal comparison.

Your coverage should be tailored to you

When it comes to choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

Should I have combined single limit or split liability limits?
Am I covered if I hit a deer?
Is my babysitter covered when using my vehicle?
How high should my uninsured/underinsured coverage be in my state?
Do I need higher collision deductibles?
Will I lose any money if I cancel my policy before it expires?
Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Car insurance 101

Having a good grasp of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average car insurance policy.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, vandalism and a broken windshield. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage covers damage to your MKS caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, scraping a guard rail, colliding with another moving vehicle, crashing into a building and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as court costs, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills like dental work, surgery, hospital visits and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Lincoln MKS.

Since a lot of drivers 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 very important.