Cheap 1993 Lincoln Mark VIII Car Insurance Quotes

Wish you could get out of an overpriced car insurance policy? Trust us, there are lots of residents who feel the same. Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurance company to get the best price available.

If you have a current auto insurance policy or need new coverage, you can use these tips to find better prices while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to know the proper way to shop for auto insurance over the internet.

First Step: Get free auto insurance quotes

There are multiple methods you can shop for auto insurance and some are easier and takes less work. You can spend your afternoon talking to insurance companies in your area, or you can stay home and use the web to achieve your goal.

Most major companies belong to an insurance system where insurance shoppers enter their policy data once, and each company provides a quote. This prevents consumers from doing quotation requests to each company.

To find out how much you can save on auto insurance click here to start a free quote.

The only downside to pricing coverage this way is you don’t know exactly which insurance companies to receive prices from. If you would rather choose specific insurance companies to compare prices, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever way you use, compare nearly identical information for every quote you compare. If you are comparing unequal deductibles or liability limits it’s impossible to make a fair comparison for your Lincoln Mark VIII.

Lower rate quotes by taking advantage of discounts

Some companies don’t always advertise every discount very well, so below is a list a few of the more common and also the more inconspicuous discounts that you may qualify for.

• Low Mileage Discounts – Low annual miles can qualify you for lower auto insurancerates on the low mileage vehicles.
• No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared with frequent claim filers.
• Homeowners Discount – Owning a home may earn you a small savings because owning a home requires personal responsibility.
• Paper-free Discount – Some auto insurance companies will give you a small discount simply for signing digitally online.
• Distant Student – Children who are attending college and leave their car at home may be able to be covered for less.
• Telematics Devices – Drivers that enable companies to spy on driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if their driving habits are good.
• First Accident Forgiveness – Not a discount per se, but a handful of insurance companies will forgive one accident before they charge you more for coverage if you have no claims for a particular time prior to the accident.
• New Car Discount – Buying a new car model can save you some money because new vehicles keep occupants safer.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, that’s just not realistic.

To see a list of companies that offer some of these discounts, click here.

Lower your insurance rates

A large part of saving on auto insurance is knowing the factors that are used to determine your premiums. When consumers understand what impacts premium levels, this enables you to make decisions that could result in lower auto insurance prices. Multiple criteria are used when you get a price on insurance. Some factors are common sense such as your driving history, but some are not as apparent such as your credit history or how financially stable you are.

The following are some of the major factors utilized by car insurance companies to help set your rate level.

• Vehicle features impact rates – Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft and help lower rates.
• Your gender affects premiums – Statistics demonstrate women tend to be less risk to insure than men. It does not mean females are better drivers. Both sexes get in fender benders in similar numbers, but the male of the species tend to have higher claims. Men also tend to receive more major tickets like DWI (DUI) or reckless driving.
• Older drivers save more – Older, more experienced drivers are shown to be more cautious, cost insurance companies less in claims and receive fewer citations.Beginning drivers are proven to be less responsible with other occupants in the car therefore auto insurance rates are much higher.
• Lower rates by increasing coverage deductibles – Protection for physical damage, also called ‘full coverage’, is used to repair damage to your Lincoln. Examples of some claims that would be covered are a dented fender, vandalism, and having your car stolen. Your deductibles tell how much you are required to pay before your auto insurance pays a claim. The more damage repair cost you have to pay, the better rate you will receive on Mark VIII insurance.

How much auto insurance do I need?

When choosing adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

• When would I need rental car insurance?
• Is my dog or cat covered if injured in an accident?
• What if I total my 1993 Lincoln Mark VIII and owe more than it’s worth?
• Is pleasure use cheaper than using my 1993 Lincoln Mark VIII to commute?
• Can my teen driver be rated on a liability-only vehicle?
• What is covered by UM/UIM coverage?
• Can I drive in Mexico and have coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Big names are not always cheapest

Drivers can’t escape the ads that claim the best car insurance rates from companies such as 21st Century, Allstate and State Farm. All the companies make the point about saving some big amount if you get a free insurance quote and switch your insurance coverage to their company.

That’s great but how can every company give you a lower rate?

Most companies have underwriting criteria for the type of driver they prefer to insure. An example of this type of insured might be described as a married female, has no tickets, and drives a lower-performance vehicle. Any customer who meets those qualifications receives the best rates and will also save quite a bit of money when switching.

Potential customers who don’t qualify for this ideal profile must pay higher premiums and the driver buying from a lower-cost company. The ads say “drivers that switch” not “everyone who quotes” save that much when switching. That is how insurance companies can confidently advertise the way they do.

Different companies use different criteria so you really should compare rate quotes every year. You cannot predict the company that will have the best car insurance rates for your profile.

Coverage specifics

Having a good grasp of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Liability coverages – This can cover damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, court costs, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage – This coverage pays for damage to your Mark VIII resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, driving through your garage door and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage pay for expenses for things like hospital visits, EMT expenses, doctor visits and dental work. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1993 Lincoln Mark VIII.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, theft and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

More effort can pay off

When searching for cheaper insurance quotes, it’s a bad idea to reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits only to discover later that it was a big mistake. The goal is to buy a smart amount of coverage for the lowest cost.

Throughout this article, we presented some good ideas how to save on 1993 Lincoln Mark VIII insurance. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper insurance. Drivers may discover the best rates are with a small mutual company. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Additional information can be found at these links:

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Side Impact Crash Tests (iihs.org)
• Auto Insurance 101 (About.com)