2012 Lincoln MKT Insurance Quotes – 5 Tips for Cheapest Rates

Locating budget-priced car insurance may seem to be somewhat difficult for drivers that are relatively new to comparing rates on the internet. With dozens of online companies available, how can anyone have the ability to compare every possible option in order to find the best pricing?

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. This information will familiarize you with the most effective way to quote insurance and some tricks to saving. Nevertheless, car owners do need to know how insurance companies price online insurance.

How much is car insurance?

The majority of larger companies like State Farm, Allstate and Geico provide price estimates direct online. Comparing rates online doesn’t take much effort because it’s just a matter of typing in your coverage information as detailed in the form. After you submit the form the quote system sends out for your driving and credit reports and provides a quote.

Quoting online makes it easy to compare insurance prices but the time required to go to a lot of sites and type in your information can be a bit tiresome and repetitive. But it’s also necessary to have as many quotes as possible if you want to get the lowest price.

The easiest way to find cheaper rates uses one simple form to return rates from a bunch of companies at once. It saves time, eliminates repetitive work, and makes price shopping online a little more enjoyable. Immediately after submitting the form, it is rated and you can choose your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process only takes a few minutes and may result in a nice savings.

To fill out one form to compare multiple rates now, simply click here to open in new window and submit the form. To compare your current rates, we recommend you enter your coverages as close as possible to your current policy. This way, you will be getting rate quotes based on identical coverages.

Do drivers who switch really save $419 a year?

Respected companies like State Farm, Allstate and Geico seem to constantly run ads on television and other media. They all seem to try to convey promises that you’ll save big after switching your policy. How does each company cost less than your current company? It’s all in the numbers.

Many companies look for specific characteristics for the type of driver that will generate a profit. A good example of this type of insured might be described as a married male, carries full coverage, and drives a lower-performance vehicle. A customer who matches that profile will get very good premium rates and is almost guaranteed to save some money.

Potential customers who do not match these stringent criteria will probably be forced to pay a more expensive rate and this results in business going elsewhere. The trick companies use is to say “drivers that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently state the savings. This illustrates why you really need to compare rate quotes every year. It is just not possible to predict which company will give you the biggest savings.

Drivers can save with these five rate-reducing discounts

Companies that sell car insurance don’t always list every policy discount very well, so we break down both the well known as well as some of the hidden insurance coverage savings. If you do not check that you are getting every discount possible, you are throwing money away.

  • Low Mileage Discounts – Driving fewer miles could qualify for substantially lower rates.
  • Payment Method – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
  • Memberships – Affiliation with qualifying employment or professional organizations may earn a discount on your bill.
  • More Vehicles More Savings – Drivers who insure all your vehicles on one policy can get a discount for every vehicle.
  • Driver Training Discounts – Successfully completing a course in safe driver could save 5% or more and easily recoup the cost of the course.

Please keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky.

Popular insurance coverage companies and a selection of discounts can be read below.

  • AAA discounts include education and occupation, anti-theft, AAA membership discount, multi-policy, multi-car, and good driver.
  • Progressive offers premium reductions for multi-policy, online quote discount, continuous coverage, online signing, homeowner, and good student.
  • State Farm may have discounts that include driver’s education, Steer Clear safe driver discount, good student, multiple policy, Drive Safe & Save, anti-theft, and passive restraint.
  • Esurance may offer discounts for online quote, anti-lock brakes, homeowner, multi-car, safety device, and Switch & Save.
  • Nationwide has savings for multi-policy, good student, business or organization, defensive driving, easy pay, and Farm Bureau membership.

Before buying, ask all the companies how you can save money. All car insurance discounts may not be offered in your area. To find insurance companies that offer the discounts shown above, follow this link.

Do I need special coverages?

When buying coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Are my friends covered when driving my 2012 Lincoln MKT?
  • What exactly is covered by my policy?
  • Should I get collision insurance on every vehicle?
  • Does my car insurance cover rental cars?
  • Is other people’s property covered if stolen from my vehicle?
  • Are split liability limits better than a combined single limit?
  • Do I need roadside assistance coverage?
  • I have health insurance so do I need medical payments coverage?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Educate yourself about insurance coverages

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision coverage

This pays for damage to your MKT resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, crashing into a building, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like doctor visits, dental work, hospital visits and pain medications. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto 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 the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Lincoln MKT.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

This coverage protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like bail bonds, emergency aid and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

The best insurance company isn’t always the cheapest

We covered a lot of techniques to save on 2012 Lincoln MKT insurance. It’s most important to understand that the more you quote auto insurance, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with some of the smallest insurance companies.

When searching for affordable auto insurance quotes, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your objective should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

Discount 2012 Lincoln MKT insurance is available both online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide rates over the internet and many times these smaller companies only sell through independent insurance agents.

More detailed insurance information is located by following these links: