View 2015 Lincoln MKZ Car Insurance Quotes

Did you come to the realization that you have an expensive insurance policy? It’s a common feeling and many drivers feel the same as you.

Multiple auto insurance companies compete for your business, so it’s not easy to compare every company and get the definite best rates possible.

It’s a great practice to compare prices once or twice a year since rates change frequently. Just because you found the best premium rates for MKZ insurance a year ago a different company probably has better prices today. Block out anything you think you know about insurance because it’s time to teach you one of the easiest ways to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Buying car insurance is quite easy. But vehicle owners do need to know the way insurance companies sell insurance online and use this information to your advantage.

The Lincoln MKZ insurance premium equation

Part of the car insurance buying process is learning the factors that aid in calculating car insurance rates. When you understand what influences your rates, this enables you to make decisions that may result in lower rates. Many factors are considered when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but some are not as apparent such as your credit history or how safe your car is.

The following are a few of the things car insurance companies consider when setting your rates.

  • Do you work long hours in a tough job? – Did you know your job can affect your rates? Careers like judges, executives and dentists are shown to have higher premiums than the average policyholder attributed to stressful work requirements and extremely grueling work hours. Conversely, occupations like actors, historians and homemakers pay lower than average rates for MKZ insurance.
  • What are your comp and collision deductibles? – Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Examples of covered claims could be running into the backend of another car, damage from fire, and rolling your vehicle. Comp and collision deductibles represent how much money you are required to spend if a covered claim is submitted. The larger the amount you pay before a claim is paid (deductible), the better rate you will receive for MKZ insurance.
  • Protect yourself with liability insurance – Liability coverage kicks in when you are found liable for damages from an accident. This coverage provides legal defense coverage to defend your case. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Traffic violations drive up rates – Your driving citation history impacts your car insurance rates tremendously. Getting just one speeding ticket or other violation can increase the cost of insurance by as much as thirty percent. Careful drivers get better prices than people who have multiple driving citations. Drivers who have flagrant violations like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • No insurance claims equals better car insurance rates – If you are a frequent claim filer, you should expect either a policy non-renewal or much higher rates. Companies give lower rates to people who do not file claims often. Your car insurance is intended for larger claims.
  • Teenage drivers are expensive to insure – Beginning drivers tend to be inattentive and easily distracted when driving so they pay higher car insurance rates. Older insureds tend to be more responsible, are lower risk to insure and get fewer tickets.

How to compare car insurance quotes

To get the cheapest auto insurance quotes, there a variety of ways to obtain and compare prices from different companies. The best way to comparison shop consists of shopping online. It is quite easy and can be accomplished in a couple minutes as outlined below.

  1. The easiest and least time consuming way to get quotes is a comparison rater form click to view form in new window. This easy form eliminates the need for separate quotes to each individual car insurance company. In just a few minutes this one form gets prices estimates from several companies.
  2. A slightly less efficient method to find lower rates requires a visit to the website of each company and fill out a new quote form. For instance, we’ll pretend you want to view quotes from State Farm, 21st Century and American Family. You would be required to spend time on each company’s site to enter your coverage information, and that explains why we recommend the first method.

    For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but try to use the same coverage data for every company. If each company quotes different deductibles you can’t possibly decipher which rate is best. Having just a slight variation in coverages can make a big difference in price. Just keep in mind that comparing a wide range of rates helps increase your odds of locating lower pricing.

More discounts mean cheap premiums

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts to help offset the cost. A few discounts will be applied at the time you complete a quote, but occassionally some discounts must be asked for before you will receive the discount. If they aren’t giving you every credit available, you could be getting lower rates.

  • Distant College Student Discount – Children who attend college more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Switch and Save Discount – Select car insurance companies give a discount for renewing your policy before your current expiration date. Ten percent is about the average savings.
  • Senior Discount – If you’re over the age of 55, you may receive a discount up to 10% for MKZ insurance.
  • Active Military Service – Being deployed in the military could qualify you for better car insurance rates.
  • Good Student – A discount for being a good student may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up until you turn 25.

As a sidenote, some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help lower the cost of your policy.

The best car insurance companies and their offered discounts are:

  • Geico offers discounts including emergency military deployment, five-year accident-free, anti-lock brakes, defensive driver, and anti-theft.
  • MetLife has savings for accident-free, good driver, multi-policy, claim-free, and good student.
  • State Farm has discounts for passive restraint, accident-free, good student, Drive Safe & Save, driver’s education, multiple policy, and student away at school.
  • Progressive may include discounts for online quote discount, online signing, multi-policy, multi-vehicle, homeowner, continuous coverage, and good student.
  • Mercury Insurance may offer discounts for ease of repair, low natural disaster claims, age of vehicle, accident-free, annual mileage, location of vehicle, and good student.
  • 21st Century policyholders can earn discounts including anti-lock brakes, homeowners, 55 and older, good student, automatic seat belts, and theft prevention.
  • Allstate includes discounts for multi-policy, 55 and retired, senior citizen, anti-lock brakes, premier plus, early signing, and auto/life discount.

When getting free auto insurance quotes, it’s a good idea to each insurance company how you can save money. Discounts may not be available everywhere. For a list of insurance companies with the best car insurance discounts, click here to view.

It’s not one size fits all

When choosing coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For example, these questions can help discover whether you would benefit from professional advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have newly-aquired coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Why am I required to buy liability insurance?
  • Which companies will insure high-risk drivers?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverages 101

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from auto insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, rehabilitation expenses, nursing services, ambulance fees and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Lincoln MKZ.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision protection

Collision coverage covers damage to your MKZ caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims such as court costs, pain and suffering, medical services, attorney fees and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Don’t be a big spender

Some insurance companies may not have price quotes online small insurance companies prefer to sell through local independent agents. The cheapest 2015 Lincoln MKZ insurance is attainable online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates.

You just read many ways to lower your 2015 Lincoln MKZ insurance rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising. Smaller companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

Additional detailed information can be found by following these links: