View 2015 Lincoln MKT Car Insurance Quotes

Finding better insurance prices for a new or used Lincoln MKT can normally be an all-consuming task, but you can use our auto insurance buying tips to make it easier.

There is a better way to shop for auto insurance and we’ll show you the quickest way to get price quotes for your Lincoln and locate the best price possible from local insurance agents and online providers.

You should take the time to compare rates quite often since rates are constantly changing. Despite the fact that you may have had the best deal on MKT coverage on your last policy the chances are good that you can find a lower price today. You’ll find a ton of advice on auto insurance on the internet, but you can learn some of the best ways to put money back in your pocket.

If you have insurance now or are just looking to switch companies, you can use these techniques to cut your premiums and still get good coverage. Buying cheaper auto insurance can be fairly easy. Consumers just need to know how to buy auto insurance over the internet.

The quickest method we recommend to compare insurance rates in your area is to understand most of the bigger providers actually pay money for the chance to provide you with a free rate quote. The one thing you need to do is give them some information like an estimate of your credit level, any included safety features, marital status, and if you have a valid license. Your information is instantly submitted to multiple auto insurance providers and you will receive price estimates quickly.

To check 2015 Lincoln MKT insurance prices now, click here and complete the form.

Drivers save money with these rate-reducing discounts

Companies offering auto insurance don’t always list all possible discounts very well, so the following is a list of both the well known as well as the least known discounts that may be available.

• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.
• Defensive Driver Discount – Taking time to complete a course in defensive driver could save 5% or more depending on where you live.
• Employee of Federal Government – Having worked for a branch of the government may reduce rates when you quote auto insurance on MKT coverage with certain companies.
• Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on auto insurance.
• Bundle and Save – If you can bundle your auto and home insurance and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
• Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
• Home Ownership Discount – Just being a homeowner may trigger a policy discount on auto insurance because of the fact that having a home is proof that your finances are in order.
• Lower Rates for Military – Being deployed in the military could trigger a small discount.
• Onboard Data Collection – Drivers that enable driving data collection to scrutinize driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as they are good drivers.

Just know that some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

Large auto insurance companies and some of the premium reductions they offer are:

• State Farm may include discounts for Steer Clear safe driver discount, good driver, accident-free, driver’s education, passive restraint, and good student.
• American Family includes discounts for good driver, air bags, good student, Steer into Savings, and accident-free.
• Geico may offer discounts for anti-theft, multi-policy, seat belt use, federal employee, and multi-vehicle.
• 21st Century offers discounts for teen driver, homeowners, automatic seat belts, 55 and older, and student driver.
• Progressive has discounts for multi-vehicle, online signing, continuous coverage, homeowner, and online quote discount.

Check with all companies you are considering to give you their best rates. Some discounts might not be offered on policies in your area. To see a list of providers that have a full spectrum of discounts, click here to view.

Do I need special coverages?

When buying the best auto insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

• Exactly who is provided coverage by my policy?
• Is pleasure use cheaper than using my 2015 Lincoln MKT to commute?
• Which is better, split liability limits or combined limits?
• Am I covered if I crash into my own garage door?
• Does my personal policy cover me when driving out-of-state?
• What is an SR-22 filing?
• What can I do if my company denied a claim?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Informed decisions result in lower insurance premiums

Lots of things are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like your driving record, although others are not quite as obvious like where you live and annual miles driven.An important part of buying insurance is that you know some of the factors that go into determining auto insurance rates. If you have some idea of what impacts premium levels, this helps enable you to make changes that may result in lower rates.

The following are a few of the things utilized by car insurance companies to help set your prices.

• Put fewer miles on your vehicle – The higher the mileage driven annually the higher your rates will be. A lot of insurance companies charge to insure your cars based on their usage. Cars and trucks that sit idle most of the time receive better premium rates than cars that get driven a lot. Incorrect rating for your MKT may be costing you. Verify your auto insurance coverage correctly shows the correct usage for each vehicle.
• Tickets can increase rates – Only having one moving violation can boost insurance rates twenty percent or more. Attentive drivers get better prices compared to drivers with tickets. Drivers who have gotten dangerous violations like reckless driving or DUI may be required to complete a SR-22 with their state’s department of motor vehicles in order to continue driving.
• Bundle policies to earn discounts – Most larger companies will award better rates for people who buy several policies from them such as combining an auto and homeowners policy. Discounts can be as much as ten percent or more Even if you’re getting this discount it’s always a smart idea to get quotes from other companies to confirm you are receiving the best rates possible.
• Limits of liability coverage – Your auto insurance policy’s liability coverage is the coverage that protects you in the event that you are ruled to be at fault for causing personal injury or damage in an accident. Liability provides you with a defense in court to defend your case. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
• Vehicles with better crash test results means cheaper insurance – Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
• Your gender affects rates – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, this does not mean females are better at driving than males. Males and females tend to get into fender benders at a similar rate, but males cause more damage. They also have more aggressive citations such as DWI and reckless driving.

Coverage specifics

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Lincoln MKT.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, dental work, prosthetic devices, X-ray expenses and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, theft, hitting a deer, vandalism and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

Collision insurance covers damage to your MKT resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, damaging your car on a curb, backing into a parked car, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like attorney fees, repair costs for stationary objects, medical services, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Never pay more for less

Drivers change insurance companies for any number of reasons including denial of a claim, high prices, high rates after DUI convictions and even not issuing a premium refund. No matter why you want to switch, choosing a new company is not as hard as you think.

Some insurance providers don’t offer rates over the internet and most of the time these smaller providers sell through independent agents. Budget-conscious 2015 Lincoln MKT insurance can be sourced both online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from.

You just learned many ways to lower your 2015 Lincoln MKT insurance prices. The key concept to understand is the more companies you get rates for, the higher your chance of finding cheap auto insurance. Drivers may discover the lowest prices come from a small mutual company.

More information can be found at the links below

• Teen Driving and Texting (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)