2016 Lincoln MKT Car Insurance Rates – 6 Tricks for Cheaper Quotes

Drivers have lots of choices when trying to find the best price on Lincoln MKT insurance. They can either waste time driving around getting price quotes or save time using the internet to compare rates. There is a better way to buy insurance coverage and you need to know the absolute fastest way to compare rates on a Lincoln and locate the best price possible from local insurance agents and online providers.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. Consumers just need to learn the best way to compare company rates online.

How to compare free auto insurance rate quotes

Finding cheaper auto insurance rates can be relatively painless. The only thing you need to do is spend a few minutes comparing free insurance coverage quotes provided by online insurance companies. It’s super easy and can be done in several different ways.

If you’re in a hurry, the quickest way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This style of form saves time by eliminating repetitive form submissions for every prospective company. In just a few minutes this one form gets rate comparisons from multiple low-cost companies. Just one form and you’re done.

A more time consuming way to obtain and compare quotes online consists of going to each individual company website to complete their respective quote request forms. For instance, let’s assume you want to see prices from Geico, State Farm and Liberty Mutual. In order to get each rate, you would have to spend time on each company’s site and repeatedly type in your coverage information, which can get rather old.

To view a list of companies in your area, click here.

Whichever way you use, be certain you are entering exactly the same coverages and limits on every quote you get. If you use different data you will not be able to get a fair rate comparison.

Lower rates by qualifying for these six discounts

Buying auto insurance is not cheap, but you might be missing out on some discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but a few must be asked for prior to getting the savings.

  • Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
  • Accident Waiver – Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will let one accident slide before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Clubs and Organizations – Having an affiliation with a civic or occupational organization can get you a small discount on your bill.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more.
  • Good Student – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.

As a sidenote, many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, you aren’t that lucky.

To view insurance companies that can offer you the previously mentioned discounts, click here to view.

Insurance is unique, just like you

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • How can I get my company to pay me more for my totalled car?
  • What can I do if my company won’t pay a claim?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I drive in a foreign country?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How can I find cheaper teen driver insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

The auto insurance bait and switch

Consumers can’t ignore all the ads for auto insurance savings from the likes of Geico, State Farm and Progressive. They all seem to say the same thing that you can save if you get a free insurance coverage quote and switch your auto insurance coverage to their company.

But how can every company offer you a better deal? This is how they do it.

Many companies give the best rates for the type of customer that earns them the highest profit. An example of a profitable customer could possibly be married and over the age of 30, has never had a policy lapse, and drives a safe vehicle. Any person who meets those qualifications will get the preferred car insurance rates and have a good chance to save money with a new company.

Insureds who do not match these stringent criteria may receive a higher premium and this can result in the prospect going elsewhere. If you pay close attention to the ads, they say “customers who switch” not “all people who quote” will save that much if they switch. That is how insurance companies can make claims that they all have the best premium rates. Different companies use different criteria so it’s extremely important to do a rate comparison at every renewal. It is impossible to predict which insurance companies will have better car insurance rates than you’re paying now.

Car insurance coverage basics

Having a good grasp of car insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Lincoln MKT.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, a broken windshield, damage from flooding, vandalism and theft. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages

Liability insurance can cover damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as loss of income, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as chiropractic care, X-ray expenses, pain medications and surgery. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

You can do this!

Budget-friendly auto insurance is definitely available online and from local agencies, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not offer the ability to get quotes online and usually these small insurance companies sell through local independent agents.

In this article, we covered some good ideas how you can get a better price on 2016 Lincoln MKT insurance. It’s most important to understand that the more you quote insurance coverage, the higher the chance of saving money. Consumers may even find the most savings is with some of the smallest insurance companies.

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to buy enough coverage at a price you can afford and still be able to protect your assets.

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