2017 Lincoln MKT Insurance Quotes – 5 Tips for Cheaper Rates

Want better car insurance rates for your Lincoln MKT? Being forced to pay for overpriced car insurance premiums can drain your savings and force you to make sacrifices.

Online insurance companies like Progressive, Geico and Farmers Insurance all claim big savings with advertising and it can be hard to ignore the propoganda and take the time to shop coverage around.

If you are paying for car insurance now, you should be able to save some money using this information. Finding the best rates is quite easy. But drivers should learn how insurance companies sell online and use this information to your advantage.

How to get insurance price quotes

Comparing insurance rates can be a lot of work if you don’t understand the most efficient way. You can waste a few hours (or days) driving to local insurance agents in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many insurance companies participate in an industry program where insurance shoppers send in one quote, and every company can provide price quotes based on that data. This saves time by eliminating repetitive form submissions to every company.

To use this form to compare rates click here to start a free quote.

The single downside to comparing rates this way is you cannot specify which carriers to receive prices from. So if you prefer to pick from a list of companies to compare prices, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just ensure you’re using equivalent coverage limits and deductibles for every company. If you are comparing different deductibles you will not be able to decipher which rate is best. Quoting even small variations in coverage limits can make a big difference in price. Keep in mind that comparing a large number of companies provides better odds of finding a lower rate. Not every company does prices over the internet, so it’s necessary to compare quotes from the smaller companies as well.

Get cheap car insurance with discounts

Companies offering auto insurance don’t list every possible discount in a way that’s easy to find, so we took the time to find a few of the more well known and also the lesser-known credits available to bring down your rates. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Multiple Vehicles – Buying coverage for multiple cars or trucks with one company can get a discount for every vehicle.
  • Active Military Service – Being deployed in the military can result in better rates.
  • Professional Memberships – Affiliation with a professional or civic organization can get you a small discount on your next car insurance statement.
  • Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Pay Upfront and Save – By making one initial payment instead of making monthly payments you could save 5% or more.

Don’t be shocked that some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

A partial list of companies that may offer many of the previously listed discounts may include but are not limited to:

If you need lower rates, check with every insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in every state. To view insurers with significant discounts, click here to view.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • Is my teenager covered with friends in the car?
  • What is the ISO rating for a 2017 Lincoln MKT?
  • Is a blown tire covered by insurance?
  • Will my rates increase for filing one claim?
  • Should I buy additional glass protection?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverages and their meanings

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Comprehensive auto coverage

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

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hail damage, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your 2017 Lincoln MKT.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses such as ambulance fees, pain medications, prosthetic devices, doctor visits and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage will cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is 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 like structural damage, funeral expenses, court costs, bail bonds and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This pays for damage to your MKT from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Power to the consumer

In this article, we presented a lot of tips how to reduce 2017 Lincoln MKT insurance rates online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding cheap insurance. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Geico and State Farm.

Some insurance companies may not offer online price quotes and most of the time these smaller companies prefer to sell through local independent agents. Budget-friendly insurance is possible on the web and also from your neighborhood agents, so you should compare both to have the best selection.

Additional insurance information is available on the following sites: