2007 Lincoln MKZ Insurance Rates – 10 Tips to Save

Want lower insurance rates for your Lincoln MKZ? Trying to find low-cost insurance for your Lincoln MKZ can turn out to be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are more efficient ways to compare insurance rates and you need to know the proper way to compare rates for your Lincoln and find the lowest price from both online companies and local agents.

You need to take a look at other company’s rates before your policy renews because prices trend upward over time. Even if you got the best price for MKZ insurance at your last renewal there is a good chance you can find better rate quotes now. There is a lot of bad information regarding insurance on the web, but in a few minutes you can learn the best ways to stop overpaying for insurance.

The most recommended method to compare car insurance rates utilizes the fact almost all companies allow for online access to quote your coverage. All consumers are required to do is give them some information such as how much coverage you want, driver details, any included safety features, and your job. The rating information is instantly provided to many of the top insurers and you receive quotes instantly to find the best rate.

If you would like to start a quote now, click here and enter your coverage details.

Save a ton by earning these ten discounts

Auto insurance is expensive, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be requested specifically prior to receiving the credit.

• Save with More Vehicles Insured – Buying a policy with more than one vehicle on the same auto insurance policy could earn a price break for each car.
• Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
• Safety Course Discount – Taking a course in safe driver could possibly earn you a 5% discount and easily recoup the cost of the course.
• No Claims – Good drivers with no accidents are rewarded with significantly better rates on insurance quote when compared to drivers with a long claim history.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
• Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for MKZ insurance depending on your auto insurance provider.
• Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break on your next auto insurance statement.
• New Vehicle Savings – Buying a new car instead of a used car can save you some money because newer models keep occupants safer.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.
• Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.

It’s important to understand that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

The best auto insurance companies and their offered discounts are:

• State Farm offers discounts including passive restraint, multiple autos, student away at school, defensive driving training, accident-free, driver’s education, and good student.
• Farmers Insurance has discounts for alternative fuel, electronic funds transfer, youthful driver, early shopping, pay in full, mature driver, and switch companies.
• Geico offers discounts for anti-theft, federal employee, multi-vehicle, good student, military active duty, and anti-lock brakes.
• American Family offers premium reductions for defensive driver, multi-vehicle, air bags, accident-free, TimeAway discount, good driver, and bundled insurance.
• Nationwide discounts include business or organization, family plan, anti-theft, good student, easy pay, and accident-free.
• Progressive policyholders can earn discounts including good student, continuous coverage, multi-vehicle, online quote discount, and multi-policy.

When quoting, ask every insurance company which discounts they offer. Discounts may not be offered in your state. If you would like to choose from a list of companies with the best discounts, click here to view.

Your auto insurance coverage should be tailored to you

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions could help you determine if your situation could use an agent’s help.

• Do I need PIP coverage since I have good health insurance?
• Do I need to file an SR-22 for a DUI in my state?
• Can I afford low physical damage deductibles?
• Is a fancy paint job covered?
• If my 2007 Lincoln MKZ is totaled, can I afford another vehicle?
• What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Lincoln MKZ.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This coverage pays for damage to your MKZ resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability insurance

This coverage provides protection from damage that occurs to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims like pain and suffering, loss of income, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hail damage and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like nursing services, rehabilitation expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Shop. Compare. Save.

When trying to cut insurance costs, you should never buy poor coverage just to save money. In many cases, an insured cut collision coverage and discovered at claim time that they should have had better coverage. Your goal is to buy a smart amount of coverage at the best price while still protecting your assets.

We just presented a lot of ways to get a better price on 2007 Lincoln MKZ insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest insurance. You may even discover the best car insurance rates are with an unexpected company.

Consumers change insurance companies for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, being labeled a high risk driver and even high prices. It doesn’t matter what your reason, finding the right insurance provider is not as difficult as it may seem.

Additional detailed information can be found in the articles below:

• Coverage Information (Progressive Insurance)
• Side Impact Crash Tests (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)