Lower Your 2014 Lincoln MKT Insurance Rates

Want lower auto insurance rates? Drivers have many options when trying to find low-cost Lincoln MKT insurance. They can either waste time calling around to get rate comparisons or utilize the internet to compare rates. There is a better way to compare auto insurance rates and you need to know the proper way to compare rates on a Lincoln and obtain the best price possible from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you can use this information to reduce the price you pay and possibly find even better coverage. The purpose of this post is to let you in on the best way to quote coverages and some tricks to saving. Vehicle owners only need an understanding of the most efficient way to get comparison rates online.

Lower-cost insurance quotes with discounts

Companies that sell car insurance don’t necessarily list every discount they offer very well, so here is a list a few of the more common as well as some of the hidden discounts you could be receiving when you buy car insurance online. If they aren’t giving you every credit possible, you are paying more than you should be.

• Good Student – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
• Safety Restraint Discount – Drivers who require all occupants to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
• Service Members Pay Less – Being deployed in the military can result in better premium rates.
• Senior Discount – If you qualify as a senior citizen, you could receive a slight reduction on a car insurance quote on MKT coverage.

As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

To view insurance companies that offer many of these discounts, click here.

Compare insurance rates

Finding a better price on insurance can be surprisingly simple. Just invest a little time to get quotes to discover which company has the cheapest car insurance quotes. Comparing prices online can be done using a couple different methods.

• The recommended way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing a different quote for each price estimate. Just one form gets you price quotes instantly. Recommended for those who want to invest the least amount of time.
• A slightly less efficient method to compare prices consists of going to each company’s website and complete a new quote form. For instance, we’ll assume you want to see prices from Farmers, 21st Century and Liberty Mutual. To do that, you would have to go to every website to input your insurance information, which explains why we recommend starting with the first method.

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

• The least recommended way of getting rate comparisons is to spend your day driving to each insurance agency near you. The ability to quote online makes this unnecessary unless you’re the type of person who wants the trained guidance that you can only get from talking to an agent. If you prefer, some companies allow you to compare the best prices online but buy the policy through an agent.

It’s your choice how you get your quotes, but do your best to use exactly the same quote data with every price quote. If you are comparing higher or lower deductibles you will not be able to make a fair rate comparison.

Learn how to buy car insurance for less

Many different elements are part of the equation when pricing auto insurance. Most are fairly basic such as traffic violations, although others are not as apparent such as your marital status or your financial responsibility.Part of the car insurance buying process is learning some of the things that come into play when calculating your policy premiums. If you understand what influences your rates, this allows you to make good choices that may reward you with lower rates.

• Rural vs Urban Areas – Living in small towns and rural areas can be a good thing when it comes to car insurance. City drivers have much more traffic and a longer drive to work. Lower population means fewer accidents and a lower car theft rate.
• Little extras can really add up – There are many additional coverages you can purchase when buying car insurance. Insurance for rental car coverage, accident forgiveness, and extra equipment coverage are probably not needed. The coverages may be enticing when deciding what coverages you need, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Single drivers take more risk – Having a spouse can actually save you money when buying car insurance. Having a spouse means you’re more mature than a single person and it’s proven that drivers who are married file infrequent claims.
• Men pay more for auto insurance – Statistics demonstrate females are less aggressive when driving. However, don’t assume that females are better drivers. Females and males cause auto accidents in similar numbers, but the men tend to have higher claims. Men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Liability insurance is critical – Your car insurance policy’s liability coverage is the coverage that protects you if ever you are ruled to be at fault for damages from an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Multiple policies with one company can save – Some car insurance companies give a discount to people that have more than one policy such as combining an auto and homeowners policy. Discounts can be ten percent or more. Even if you qualify for this discount already, you may still want to check prices from other companies to verify if the discount is saving money.

Tailor your insurance coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions could help you determine if you may require specific advice.

• If I drive on a suspended license am I covered?
• When should I remove comp and collision on my 2014 Lincoln MKT?
• Does medical payments coverage apply to all occupants?
• Am I better off with higher deductibles on my 2014 Lincoln MKT?
• Am I covered when using my vehicle for business?
• Can my teen driver be rated on a liability-only vehicle?
• Who is covered by my policy?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance advertising gotchas

Consumers get pounded daily by advertisements that claim the cheapest prices from companies such as Progressive, Allstate and Geico. All the companies state the claim that you’ll save big just by switching your insurance policy to them.

How do they all sell you cheaper insurance coverage?

Companies look for specific characteristics for the type of driver that will add to their bottom line. For instance, a desirable risk could be between the ages of 30 and 45, has no driving citations, and drives less than 5,000 miles a year. Any driver that hits that “sweet spot” will get low rates and will probably save some money.

Consumers who are not a match for this ideal profile may receive higher rates and this results in the customer buying from a different company. The wording the ads use say “drivers that switch” not “everyone who quotes” save that much. That is how companies can truthfully make claims that they all have the best premium rates. Because each company has a different risk profile, you really should compare price quotes frequently. Because without a comparison, you cannot know which company will have better car insurance rates than you’re paying now.

Coverages available on your policy

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage

This coverage pays to fix your vehicle from 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 rock chips in glass, hail damage, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, emergency aid and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage

Collision insurance pays for damage to your MKT resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, chiropractic care, hospital visits and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Lincoln MKT.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Quote more. Save more.

Drivers change insurance companies for any number of reasons including high prices, policy cancellation, not issuing a premium refund or even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Cheaper 2014 Lincoln MKT insurance can be bought both online and with local insurance agents, so you need to quote car insurance with both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and many times these small, regional companies prefer to sell through independent agencies.

In this article, we covered a lot of information how to save on 2014 Lincoln MKT insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest premium rates are with the least-expected company.

More tips and info about insurance coverage is located in these articles:

• Tools for Teen Driving Safety (State Farm)
• Learn About Car Insurance (Geico)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Car Insurance FAQ (Trusted Choice)