2012 Lincoln MKZ Insurance Quotes – 10 Savings Tips

Trying to find lower car insurance rates for your Lincoln MKZ? Did you come to the realization that you have high-priced car insurance? Don’t sweat it because many drivers feel the same as you.

There are many insurance companies to choose from, and even though it’s nice to be able to choose, it can be more difficult to compare rates.

You need to compare prices as often as possible since prices change regularly. Despite the fact that you may have had the best rate on MKZ insurance last year you will most likely find a better premium rate today. There is a lot of wrong information about car insurance online but you can learn a lot of great tips on how to lower your car insurance bill.

Shopping for more affordable protection can be fairly easy. Basically, every driver who is required by state law to have insurance will be able to find lower rates. Although vehicle owners must know the way insurance companies sell online and use this information to your advantage.

These ten discounts can cut insurance coverage rates

Insurance coverage is expensive, but you might find some hidden discounts that you may not even know about. Some discounts apply automatically at the time of purchase, but a few must be asked for before being credited.

• Bundled Policy Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company you may earn approximately 10% to 15%.
• Discount for Life Insurance – Insurance coverage companies who offer life insurance give better prices if you take out life insurance.
• Own a Home – Owning a house may trigger a policy discount on insurance coverage because of the fact that having a home is proof that your finances are in order.
• Air Bags and Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 25 to 30%.
• Multiple Cars – Purchasing coverage when you have several vehicles on one policy can reduce rates for all insured vehicles.
• Active Military Service – Being deployed in the military could be rewarded with lower insurance coverage rates.
• Professional Organizations – Joining a civic or occupational organization could qualify you for a break on your policy.
• Federal Employees – Having worked for a branch of the government can save as much as 8% on MKZ insurance but check with your company.
• Theft Deterent – Anti-theft and alarm system equipped vehicles prevent vehicle theft and earn discounts up to 10% off your car insurance quote.
• Early Renewal Discounts – Some larger companies reward drivers for switching to them early. It could save around 10% when you buy car insurance online.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will bring down the cost of coverage.

A list of companies and some of the premium reductions they offer are detailed below.

• Progressive has discounts for multi-policy, online signing, multi-vehicle, good student, homeowner, online quote discount, and continuous coverage.
• MetLife may include discounts for multi-policy, claim-free, accident-free, good student, and good driver.
• Mercury Insurance may have discounts that include good student, location of vehicle, multi-policy, professional/association, type of vehicle, and ease of repair.
• Nationwide policyholders can earn discounts including good student, multi-policy, accident-free, family plan, business or organization, and easy pay.
• Geico offers premium reductions for multi-policy, federal employee, seat belt use, military active duty, anti-lock brakes, and five-year accident-free.
• AAA discounts include AAA membership discount, pay-in-full, anti-theft, multi-policy, and multi-car.

When getting a coverage quote, ask all the companies how many discounts you can get. All car insurance discounts may not apply to policies in every state. To find providers who offer insurance coverage discounts, click here.

Affordable auto insurance price quotes online

When shopping for auto insurance there are multiple ways of comparing price quotes from many available auto insurance companies in your state. One of the best ways to comparison shop involves getting comparison quotes online. This can be done in a couple of different ways.

• The fastest and easiest way to find low rates would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do separate quote forms for every company. A single form gets insurance cost estimates from many national carriers.
• A harder way to get quotes online is spending the time to visit each individual company website and repeat the quote process. For sake of this example, we’ll pretend you want to view quotes from USAA, Progressive and Geico. In order to get each rate, you would have to visit each site and type in your information over and over, which is why most consumers use the first method. For a list of companies in your area, click here.

Take whichever approach you prefer, but make absolute certain that you use apples-to-apples deductibles and coverage limits with each company. If you are comparing differing limits it’s impossible to truly determine the lowest rate. Quoting even small variations in insurance coverages or limits may result in large price differences. And when comparison shopping, having more price comparisons increases your odds of finding a lower rate than you’re paying now. Some companies don’t provide online quotes, so it’s important to also get prices on coverage from those companies, too.

When do I need an agent’s advice?

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if you may require specific advice.

• Can I make deliveries for my home business?
• How much liability insurance is required?
• Can I get a multi-policy discount?
• Is my vehicle covered by my employer’s policy when using it for work?
• How much can I save by bundling my policies?
• Why do I need rental car insurance?
• Does liability extend to a camper or trailer?
• Is my 2012 Lincoln MKZ covered for flood damage?
• Is my babysitter covered when using my vehicle?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage basics

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types available from insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like hospital visits, EMT expenses, doctor visits, rehabilitation expenses and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like structural damage, loss of income, pain and suffering and medical expenses. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, damage from getting keyed and theft. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

Collision insurance will pay to fix damage to your MKZ from colliding 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 insurance covers things such as crashing into a ditch, driving through your garage door, scraping a guard rail, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Compare but don’t skimp

Throughout this article, we presented many ideas to compare 2012 Lincoln MKZ insurance premium rates online. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates come from the smaller companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

As you shop your coverage around, you should never skimp on coverage in order to save money. Too many times, drivers have reduced full coverage only to discover later that the small savings ended up costing them much more. Your objective should be to find the BEST coverage at the best cost, not the least amount of coverage.

Helpful resources

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Insuring a Leased Car (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)