Cheaper 2014 Lincoln MKZ Insurance Quotes

Consumers have lots of choices when looking for the lowest priced Lincoln MKZ insurance. They can either spend hours driving around trying to get quotes or save time using the internet to compare rates.

There are both good and bad ways to compare insurance rates so you’re going to learn the absolute fastest way to price shop coverage on a Lincoln and locate the lowest price either online or from local insurance agents.

Compare Insurance Costs

There are several ways to compare Lincoln MKZ insurance quotes, but some are easier and takes less work. You could waste time talking to insurance companies in your area, or you could save time and use the internet to get the quickest rates.

Most of the best insurance companies belong to a marketplace that enables customers to enter their coverage request one time, and each company provides a quote for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To find out what other companies charge for 2014 Lincoln MKZ insurance click here to open in new window.

The only drawback to comparing rates this way is you are unable to specify which carriers to get pricing from. So if you prefer to choose individual companies to compare, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

Whichever method you choose, make sure you use exactly the same information for every company. If your comparisons have different liability limits it will be next to impossible to make a fair comparison for your Lincoln MKZ.

Save with discounts on Lincoln MKZ insurance

The price of auto insurance can be rather high, but you can get discounts that can drop the cost substantially. Most are applied when you quote, but a few must be specially asked for prior to receiving the credit. If you’re not getting every credit you deserve, you are paying more than you should be.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Low Mileage – Fewer annual miles on your Lincoln can qualify you for better rates on cars that stay parked.
  • Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up online.
  • Distant Student – Children living away from home attending college and do not have a car can receive lower rates.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiration. It can save you around 10%.
  • Military Rewards – Having a deployed family member could mean lower rates.

Drivers should understand that some credits don’t apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will help reduce your premiums.

For a list of providers with the best insurance discounts, click here to view.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if you will benefit from professional help.

  • Is business equipment covered while in my vehicle?
  • What is medical payments coverage?
  • Am I covered when driving on a suspended license?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Coverages available on your policy

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, sideswiping another vehicle, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers 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 MKZ.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for chiropractic care, funeral costs and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and 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

Liability auto insurance

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for 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. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as structural damage, court costs, emergency aid, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.