Compare 2008 Lincoln MKZ Insurance Rates

Looking for the cheapest insurance rates? Shoppers have lots of choices when shopping for the lowest priced Lincoln MKZ insurance. You can either waste hours struggling with agents trying to get quotes or save time using the internet to find the lowest rates.

There are both good and bad ways to shop for insurance and we’ll show you the best way to price shop coverage for your Lincoln and locate the cheapest rates either online or from local insurance agents.

It’s a good idea to shop coverage around quite often since insurance prices change frequently. Just because you had the best rates on MKZ insurance two years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to one of the best ways to find great coverage at a great price.

How to get free car insurance quotes online

Many insurance companies make it easy to get prices direct online. Getting quotes is pretty painless as you simply enter your coverage information into a form. Upon sending the form, the system obtains information on your driving record and credit history and gives you a price quote based on these factors.

Being able to quote online streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in your information is monotonous and tiresome. But it is imperative to do this if you want to find the lowest price.

The quickest way to compare rates is to use a quote form to obtain quotes from more than one company. It’s a real time-saver, requires less work, and makes quoting online much more enjoyable and efficient. Once the form is submitted, your coverage is rated with multiple companies and you can pick any of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and may result in a nice savings.

To compare pricing, click here to open in new window and fill out the form. To compare your current rates, we recommend you complete the form with coverages and limits exactly as they are listed on your policy. Doing this guarantees you’re receiving a fair comparison based on identical coverages.

Don’t miss these discounts

Auto insurance companies don’t necessarily list all possible discounts very clearly, so the list below gives a summary of a few of the more common as well as the least known credits available to lower your premiums when you buy auto insurance online. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Government Employees – Being employed by or retired from a federal job could provide a small rate reduction on MKZ insurance with a few insurance coverage companies.
  • Good Driver Discounts – Insureds without accidents may save up to 50% more on MKZ insurance than drivers with accident claims.
  • ABS Braking Discount – Cars with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
  • Life Insurance – Select companies reward you with better insurance coveragerates if you take out some life insurance too.
  • Lower Rates for Military – Having an actively deployed family member could qualify you for better rates.
  • Student Discounts – Excelling in school may save you up to 25%. Many companies even apply the discount to college students up to age 25.
  • Sign Early and Save – Some insurance coverage companies give discounts for renewing your policy prior to your current policy expiration. This can save 10% or more.

As a sidenote, some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But all discounts will cut your overall bill.

Car insurance companies that may offer some of the discounts shown above include:

If you want inexpensive auto insurance quotes, ask every prospective company how you can save money. All car insurance discounts might not be offered on policies everywhere. To view insurance coverage companies with discount rates, click this link.

Special considerations

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • If my pet gets injured in an accident are they covered?
  • Do I really need UM/UIM coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I sign the liability waiver when renting a car?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Lower insurance rates with these tips

Lots of factors are used in the calculation when premium rates are determined. A few of the factors are predictable such as traffic violations, although others are more obscure like your continuous coverage or your commute time.Smart consumers have a good feel for some of the factors that help calculate insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Discounts for multiple policies – The majority of insurance companies will give lower prices to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other insurance prices to confirm you are receiving the best rates possible.
  • Higher comp and collision deductibles are cheaper – Comprehensive and collision coverage deductibles tell how much the insured will be required to pay before your insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are rearending another vehicle, collision with a deer, or theft of your vehicle. The more money you choose to pay out-of-pocket, the less money you will pay for insurance on MKZ insurance.
  • Gender impacts premiums – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Men and women tend to get into fender benders at a similar rate, but the men have costlier accidents. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI. Young men ages 16 to 20 tend to get in the most accidents and therefore have the most expensive insurance rates.
  • Pay more if you have a long commute – Choosing to live in areas with lower population is a positive aspect when it comes to insurance. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims. City drivers tend to have more auto accidents and longer commute times. More time behind the wheel can result in more accidents.
  • Good drivers pay the best prices – Having a clean driving record impacts premiums far more than you think. Drivers with clean records receive lower rates as compared to careless drivers. Getting just one driving citation can increase the cost of insurance by twenty percent. Drivers who have serious violations such as DUI or reckless driving may need to complete a SR-22 with their state’s department of motor vehicles in order to legally drive.
  • Deter theft and reduce rates – Driving a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop car theft and help bring rates down.
  • Long commutes cost more – The higher the miles on your Lincoln every year the more you’ll pay to insure your vehicle. Almost all companies calculate rates based on their usage. Autos that have low annual miles can get a lower rate than vehicles that have high annual mileage. A policy that improperly rates your MKZ is throwing money out the window. It’s always a good idea to double check that your declarations sheet correctly shows the proper vehicle usage, because it can save money.
  • An active insurance claims history can cost you more – Companies give better rates to policyholders who do not rely on their insurance for small claims. If you file a lot of claims you can look forward to either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for more catestrophic claims.

Coverage specifics

Learning about specific coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance – This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as emergency aid, attorney fees, medical expenses, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Lincoln MKZ.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage – This pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, nursing services, prosthetic devices and chiropractic care. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from flooding, hail damage, falling objects and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

The best insurance company isn’t always the cheapest

Drivers change insurance companies for a variety of reasons including policy non-renewal, delays in paying claims, high prices or even being labeled a high risk driver. It doesn’t matter what your reason, choosing a new company can be less work than you think.

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where drivers have reduced liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at the best possible price, but do not skimp to save money.

We just covered a lot of ways to save on 2008 Lincoln MKZ insurance. The key concept to understand is the more companies you get prices for, the better likelihood of getting cheap auto insurance. Consumers could even find that the lowest premium rates come from the smaller companies.

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