2013 Lincoln MKT Car Insurance Cost

Searching for lower auto insurance rates for your Lincoln MKT? Did a good deal turn out to be an underperforming, overpriced auto insurance policy? You’re preaching to the choir because many drivers have buyer’s remorse.

Due to the increasing number of companies to choose from, it’s nearly impossible to find the most cost effective insurance company.

Pricing more affordable insurance coverage coverage is quite easy. In a nutshell, everyone who shops for insurance coverage should be able to save money. Nevertheless, consumers need to learn the methods companies use to sell insurance online and take advantage of how the system works.

More affordable rates by taking advantage of discounts

Some insurance providers don’t always list their entire list of discounts in an easy-to-find place, so the below list has both the well known in addition to some of the lesser obvious credits that may apply to you.

• Government Employees – Active or retired federal employment could qualify for a slight premium decrease on MKT coverage with a few insurance coverage companies.
• Bundle and Save – If you have multiple policies with the same insurance company you could save 10% to 20% off each policy.
• Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
• College Student – Any of your kids who are attending college and do not take a car to college may qualify for this discount.
• Driver Training Discounts – Successfully completing a safe driver class can save you 5% or more if your company offers it.

Remember that most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

Large insurance coverage companies and some of their more popular discounts are outlined below.

• State Farm may offer discounts for passive restraint, good student, good driver, accident-free, Steer Clear safe driver discount, and multiple policy.
• Geico has savings for federal employee, anti-theft, five-year accident-free, multi-policy, seat belt use, air bags, and defensive driver.
• Progressive offers discounts for continuous coverage, multi-policy, online quote discount, good student, multi-vehicle, and homeowner.
• 21st Century may have discounts that include homeowners, anti-lock brakes, good student, automatic seat belts, driver training, and early bird.
• American Family offers premium reductions for bundled insurance, multi-vehicle, TimeAway discount, Steer into Savings, and air bags.
• The Hartford discounts include bundle, good student, anti-theft, vehicle fuel type, air bag, and driver training.
• AAA has discounts for pay-in-full, AAA membership discount, good driver, multi-policy, and good student.

Before you buy a policy, ask every company to apply every possible discount. A few discounts might not apply in your area. To see a list of insurers with the best insurance coverage discounts, follow this link.

How much car insurance do I need?

When it comes to buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your insurance needs may require specific advice.

• Is pleasure use cheaper than using my 2013 Lincoln MKT to commute?
• When should I not file a claim?
• If I drive on a suspended license am I covered?
• How much can I save by bundling my policies?
• Do I have coverage when making deliveries for my home business?
• How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage basics

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Lincoln MKT.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills like doctor visits, chiropractic care and ambulance fees. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

This protects you from injuries or damage you cause to people or other property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like pain and suffering, funeral expenses and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, a tree branch falling on your vehicle, hitting a bird, damage from flooding and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

Cheaper 2013 Lincoln MKT insurance is available on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies don’t offer internet price quotes and many times these smaller providers only sell coverage through local independent agencies.

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.

Additional resources

• Side Impact Crash Tests (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)