Compare 2015 Lincoln MKT Insurance Rates

Trying to find better car insurance rates for your Lincoln MKT? Expensive car insurance can drain your bank account and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to make sure you’re not throwing money away. Because there are so many options, it’s difficult to locate the most affordable insurer.

It’s a good habit to compare rates quite often because prices change frequently. Just because you found the lowest price on MKT coverage two years ago a different company probably has better rates today. Starting right now, forget all the misinformation about car insurance because you’re going to learn the best methods to remove unneeded coverages and save money.

Free Auto Insurance Quotes

Getting better 2015 Lincoln MKT auto insurance pricing is surprisingly easy. Drivers just need to take a few minutes comparing rates from different insurance companies. This can be done in a couple of different ways.

Probably the best way to find low rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quote forms for every auto insurance company. A single, simple form compares rates from many national carriers.
A slightly less efficient method to compare rate quotes consists of going to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s say you want to compare Geico, Safeco and GMAC. To get each rate you have to go to every website and enter your information, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.

Whichever way you use, make absolute certain that you use exactly the same coverage limits and deductibles with every price quote. If each company quotes differing limits it will be next to impossible to make an equal comparison.

Situations that might require an agent

When it comes to buying coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions might point out whether you would benefit from professional advice.

Which is better, split liability limits or combined limits?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
When can my company non-renew my policy?
What if I don’t agree with a claim settlement offer?
Can I get a multi-policy discount?
When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for things like hospital visits, chiropractic care, prosthetic devices, doctor visits and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for collisions

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

Collision insurance covers things such as hitting a parking meter, hitting a mailbox, crashing into a building, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, vandalism and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

Liability coverage protects you from injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as medical services, pain and suffering, bail bonds and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Lincoln MKT.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.