Save on 1996 Lincoln Mark VIII Car Insurance Rates

Want the cheapest insurance rates for your Lincoln Mark VIII? Trying to find the cheapest insurance for a new or used Lincoln Mark VIII can normally be a painful process, but you can use a few tricks to make it easier.

There is a better way to shop for insurance and you need to know the proper way to price shop coverage for a new or used Lincoln and locate the lowest possible price from local insurance agents and online providers.

It’s smart to do price comparisons once or twice a year because insurance prices change frequently. Despite the fact that you may have had the best deal for Mark VIII insurance on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you’re about to learn the only way to save money, get proper coverage and the best rates.

Locating affordable insurance coverage can be fairly easy. If you have a current insurance policy or are just looking to switch companies, you can use these tips to cut your premiums and possibly find even better coverage. Vehicle owners only need to know the proper methods to compare prices online.

Affordable insurance rates with discounts

Auto insurance companies do not list their entire list of discounts in an easy-to-find place, so the following list contains a few of the more well known in addition to some of the lesser obvious credits that may apply to you.

  • Active Military Service – Having an actively deployed family member may qualify for rate reductions.
  • Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Save with More Vehicles Insured – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Drivers Education – Require your teen driver to participate in a local driver’s education class in high school.
  • Discount for Multiple Policies – If you combine your auto and homeowners policies and insure them both with the same insurance company you could get a discount of up to 20% off your total premium.
  • Safe Driver Discount – Insureds without accidents can save as much as half off their rates for Mark VIII insurance than drivers with accidents.
  • Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • Waiver for an Accident – Not really a discount, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
  • Defensive Driving Course – Completing a defensive driving class could possibly earn you a 5% discount and make you a better driver.
  • Student Discounts – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Companies and some of the premium reductions they offer are detailed below.

  • Geico offers discounts for military active duty, membership and employees, seat belt use, federal employee, anti-lock brakes, and defensive driver.
  • Travelers has discounts for home ownership, IntelliDrive, continuous insurance, driver training, student away at school, multi-policy, and multi-car.
  • Nationwide has savings for anti-theft, good student, defensive driving, accident-free, easy pay, business or organization, and Farm Bureau membership.
  • Farmers Insurance offers premium reductions for teen driver, business and professional, good student, multi-car, bundle discounts, early shopping, and alternative fuel.
  • Esurance includes discounts for paid-in-full, renters, multi-car, DriveSense, good driver, good student, and online quote.
  • State Farm may include discounts for passive restraint, good student, safe vehicle, multiple autos, and multiple policy.
  • Progressive may offer discounts for online quote discount, good student, multi-vehicle, online signing, homeowner, and continuous coverage.
  • Mercury Insurance policyholders can earn discounts including anti-theft, type of vehicle, multi-policy, low natural disaster claims, professional/association, and accident-free.

Before buying, ask each company or agent which discounts you qualify for. All car insurance discounts might not be offered on policies in your area. For a list of insurers who offer discounts, click here.

Cheap car insurance

Finding a lower price on 1996 Lincoln Mark VIII insurance can be surprisingly simple. You just have to invest a few minutes to compare rate quotes from different insurance companies. It is quite easy and can be accomplished by following the guidelines below.

Experts agree that the best way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing multiple quote forms for each company. A single, simple form gets rate comparisons direct from many companies.It’s the quickest way to get rates.

A less efficient way to obtain and compare quotes online is spending the time to visit the website for each individual company to request a price quote. For sake of this example, we’ll assume you want rates from Nationwide, Liberty Mutual and GMAC. You would be required to spend time going to each site individually and punch in your information repeatedly, and that explains why we recommend the first method. For a list of companies in your area, click here.

Take whichever approach you prefer, but try to keep equivalent coverage limits and deductibles on every quote. If you are comparing unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Lincoln Mark VIII.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Will filing a claim cost me more?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need roadside assistance coverage?
  • Do I need more liability coverage?
  • What is an SR-22 filing?
  • Do I need added coverage for expensive stereo equipment?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Educate yourself about insurance coverages

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, damage from a tornado or hurricane, damage from getting keyed and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for prosthetic devices, chiropractic care, dental work, funeral costs and EMT expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Liability coverages

This can cover damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as funeral expenses, repair bills for other people’s vehicles, medical services, court costs and bail bonds. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Mark VIII from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, sideswiping another vehicle, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

A penny saved is a penny earned

The cheapest 1996 Lincoln Mark VIII insurance can be sourced on the web as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some companies do not offer online price quotes and most of the time these small insurance companies only sell through local independent agents.

Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, being labeled a high risk driver or even an unsatisfactory settlement offer. Regardless of your reason, switching insurance coverage companies is actually quite simple.

We just showed you a lot of ways to compare 1996 Lincoln Mark VIII insurance premium rates online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the best premium rates are with a lesser-known regional company.

Much more information about insurance coverage is available at these links: