2009 Lincoln MKZ Insurance Rates

Searching for cheaper auto insurance rates for your Lincoln MKZ? Nobody likes having to buy auto insurance, especially knowing the cost is way too high.

Since you have so many choices, it can be hard to locate the lowest price insurance company.

Smart consumers take time to do rate comparisons on a regular basis due to the fact that insurance prices trend upward over time. Just because you had the best rates on MKZ insurance a couple years back you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to show you the things you must know in order to properly buy coverages and cut your premium.

This information will familiarize you with how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. But drivers need to have an understanding of how insurance companies price insurance differently and apply this information to your search.

How to get free car insurance quotes online

To find the best car insurance rates, there are several ways to compare rate quotes from local car insurance companies. The easiest way by far to do a complete rate comparison is to jump online and get quotes. This can be done in a couple minutes as outlined below.

• The most efficient method to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form saves time by eliminating separate forms for every car insurance company. In just a few minutes this one form will get you rate comparisons from multiple low-cost companies.
• A more difficult way to analyze rates requires a trip to each company’s website and complete a new quote form. For example, let’s say you are doing a rate comparison from Liberty Mutual, Safeco and Allstate. To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
• The last method to price shop rates to each insurance agency near you. Doing it all online makes this unnecessary unless you want the personal advice that only a licensed agent can provide. If you prefer, some companies allow you to get the lowest quotes online but purchase the actual policy in an agency.

However you get your quotes, make absolute certain that you use equivalent quote information for each price quote. If each company quotes different values for each quote it will be impossible to decipher which rate is best. Just slight variations in coverage limits can make a big difference in price. It’s important to know that comparing more company’s prices helps increase your odds of locating a better price. Some insurance companies are not set up to provide online price quotes, so it’s important to compare quotes from the smaller companies as well.

Insurance discounts help reduce rates

Insurance is expensive, but there could be significant discounts to help bring down the price. A few discounts will be applied at the time of quoting, but once in a while a discount must be specifically requested prior to receiving the credit. If you do not double check each discount you deserve, you could be paying more than you need to.

• Save with a New Car – Insuring a new car can save you some money since new vehicles have better safety ratings.
• E-sign – A few companies will discount your bill up to fifty bucks simply for signing on your computer.
• Discount for Low Mileage – Driving fewer miles could qualify for discounted prices on garaged vehicles.
• Air Bag Discount – Factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Payment Method – By making one initial payment as opposed to paying monthly you may reduce your total bill.
• Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• Early Renewal Discounts – A few companies allow discounts for switching policies prior to the expiration date on your current policy. The savings is around 10%.
• Good Student – Getting good grades may save as much as 25% on a auto insurance quote. This discount can apply well after school through age 25.
• Club Memberships – Being in a qualifying organization may earn a discount on your next insurance statement.

Just know that most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, that’s just not realistic.

A few of the larger companies and a summarized list of policyholder discounts are:

• Geico has savings for multi-vehicle, seat belt use, five-year accident-free, anti-lock brakes, and good student.
• Travelers includes discounts for IntelliDrive, good student, new car, continuous insurance, multi-policy, and save driver.
• Nationwide offers discounts for multi-policy, business or organization, accident-free, family plan, anti-theft, defensive driving, and Farm Bureau membership.
• Farmers Insurance may offer discounts for business and professional, homeowner, switch companies, teen driver, electronic funds transfer, multi-car, and youthful driver.
• Esurance policyholders can earn discounts including claim free, good driver, Pac-12 alumni, homeowner, multi-policy, DriveSense, and anti-lock brakes.
• State Farm may include discounts for safe vehicle, passive restraint, multiple autos, anti-theft, good student, and defensive driving training.
• Progressive has discounts for homeowner, online quote discount, multi-policy, online signing, and multi-vehicle.
• Mercury Insurance offers discounts including ease of repair, location of vehicle, age of vehicle, type of vehicle, and anti-theft.

Before buying, ask all companies you are considering which discounts you may be entitled to. Some discounts may not be offered in your area. To find insurance companies who offer cheap insurance quotes, click here.

Which is the best insurance coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might help in determining if your insurance needs will benefit from professional help.

• What are the best liability limits?
• Is my cargo covered for damage or theft?
• Can my teen drive my company car?
• Am I covered when pulling a rental trailer?
• Should I get collision insurance on every vehicle?
• Can I afford to pay high deductible claims out of pocket?
• Is pleasure use cheaper than using my 2009 Lincoln MKZ to commute?
• Which companies will insure high-risk drivers?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance coverage basics

Knowing the specifics of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the usual coverages available from car insurance companies.

Collision protection

This coverage covers damage to your MKZ from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, colliding with another moving vehicle, backing into a parked car, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, theft, falling objects, hitting a bird and fire damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

This provides protection from damages or injuries you inflict on other people or property. It protects YOU from claims by other people. 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. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Lincoln MKZ.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for things like dental work, X-ray expenses, ambulance fees and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

A penny earned…

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where an insured dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage for the lowest cost, not the least amount of coverage.

Lower-priced 2009 Lincoln MKZ insurance is attainable from both online companies as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not offer rate quotes online and many times these regional insurance providers prefer to sell through independent agents.

We’ve covered a lot of techniques to compare 2009 Lincoln MKZ insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable auto insurance. Drivers may discover the most savings is with a small local company. They may only write in your state and offer lower rates as compared to the big name companies such as Progressive or Geico.

More tips and info about insurance can be read at these sites:

• Frontal Crash Tests (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Event Data Recorders FAQ (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)