2011 Lincoln MKZ Car Insurance Quotes

Searching for the cheapest car insurance rates for your Lincoln MKZ? Are you drained from sacrificing to pay your car insurance bill each month? You have the same problem as millions of other consumers. Many auto insurance companies compete for your business, and it can be difficult to compare rates to find the lowest cost out there.

Consumers should take time to get comparison quotes yearly since insurance rates are adjusted regularly by insurance companies. Just because you found the lowest premium rates on MKZ coverage on your last policy a different company probably has better prices today. There is a lot of bad advice regarding car insurance on the web, but I’m going to show you some tested techniques to put money back in your pocket.

You can change your insurance costs

Lots of things are taken into consideration when quoting car insurance. Some factors are common sense such as your driving record, but other factors are more obscure like where you live or how financially stable you are.

Shown below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

  • Premiums are high for teenagers – Young drivers are known to get distracted easily when behind the wheel therefore insurance rates are much higher. More mature drivers are viewed as being more responsible, are lower risk to insure , and are generally more financially stable.
  • City traffic equals higher costs – Being located in a small town may provide you with better prices if you are looking for the lowest rates. People who live in big cities regularly have more road rage incidents and more severe claims. Fewer people means a lower chance of having an accident.
  • Get better rates if married – Getting married can actually save you money on your insurance bill. Having a spouse is viewed as being more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Multiple policies with one company can save – Some companies will give better rates for people who consolidate policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount you may still want to compare other company rates to help guarantee you have the best rates.
  • Which gender costs less? – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that women are better drivers. Males and females have auto accidents at a similar rate, but the men have accidents that have higher claims. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving.
  • Drive less and pay lower prices – The higher the mileage driven each year the more you’ll pay to insure it. The majority of insurers calculate prices partially by how you use the vehicle. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. A policy that improperly rates your MKZ may be costing you higher rates. It’s a good idea to make sure your insurance policy is showing the correct driver usage.
  • Liability insurance – Liability coverage is the protection when a jury decides you are liable for damages from an accident. This coverage provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Raising coverage deductibles lowers costs – Deductibles for physical damage are how much the insured will be required to pay if you file a covered claim. Physical damage protection, also called ‘full coverage’, is used to repair damage to your car. Some coverage claims are colliding with a stationary object, damage caused by hail, and having a roll-over accident. The larger the amount you choose to pay out-of-pocket, the lower your rates will be on MKZ coverage.

Are you qualifying for every discount?

Insurance can be prohibitively expensive, but you may find discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time you complete a quote, but a few must be asked about prior to getting the savings.

  • Auto/Home Discount – If you can combine your auto and homeowners policy and insure them with the same company you could earn a discount of nearly 15% which can help you find the cheapest auto insurance.
  • Air Bag Discount – Factory options such as air bags or motorized seat belts may qualify for discounts up to 30%.
  • Driver Training Discounts – Completing a class that teaches defensive driving techniques could cut 5% off your bill if you qualify.
  • Memberships – Affiliation with qualifying employment or professional organizations can get you a small discount on your bill.
  • Early Switch Discount – Select insurance companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.

One last thing about discounts, most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

The best insurance coverage companies and a partial list of their discounts are:

  • Geico discounts include five-year accident-free, membership and employees, defensive driver, daytime running lights, and multi-vehicle.
  • Travelers includes discounts for save driver, multi-policy, driver training, early quote, continuous insurance, student away at school, and payment discounts.
  • Farm Bureau offers premium reductions for good student, multi-vehicle, renewal discount, 55 and retired, and safe driver.
  • Liberty Mutual may offer discounts for exclusive group savings, newly married, new vehicle discount, newly retired, good student, and hybrid vehicle.
  • American Family offers discounts including defensive driver, Steer into Savings, good driver, early bird, accident-free, TimeAway discount, and mySafetyValet.
  • Progressive may have discounts that include multi-policy, online signing, homeowner, multi-vehicle, online quote discount, and continuous coverage.

If you need lower rates, check with each company to apply every possible discount. Discounts may not be available in your area. To find companies that offer the discounts shown above, click here.

When in doubt talk to an agent

When it comes to choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • Is there coverage for injuries to my pets?
  • When should I not file a claim?
  • Does insurance cover damages from a DUI accident?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered if I crash into my own garage door?
  • When do I need to add a new car to my policy?
  • Should I bundle my homeowners policy with my auto?
  • Does my policy pay for OEM or aftermarket parts?
  • I have health insurance so do I need medical payments coverage?
  • How high should my medical payments coverage be?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Car insurance 101

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln MKZ.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for immediate expenses for things like nursing services, chiropractic care, ambulance fees, surgery and hospital visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages – Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like medical services, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – Collision coverage pays for damage to your MKZ resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, driving through your garage door 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 older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This coverage pays for 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 such as hail damage, hitting a deer and vandalism. The most 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 dropping full coverage.

Be Smart and Buy Smart

Some insurance companies may not provide online rate quotes and many times these regional carriers only sell coverage through independent agencies. Affordable 2011 Lincoln MKZ insurance can be purchased online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

In this article, we covered a lot of ways to shop for 2011 Lincoln MKZ insurance online. The key concept to understand is the more times you quote, the better likelihood of getting the cheapest auto insurance. Consumers may even find the best rates are with a small mutual company. Regional companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

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