Compare 1997 Lincoln Mark VIII Car Insurance Quotes

Looking for the cheapest auto insurance rates for your Lincoln Mark VIII? Have you had enough of being strong-armed to buy auto insurance? You’re in the same situation as the majority of other consumers.

There are many insurers to purchase coverage from, and even though it’s nice to have multiple companies, having more auto insurance companies makes it harder to locate the cheapest rates.

Smart buyers can slash their insurance premiums

Many things are part of the equation when quoting car insurance. A few of the factors are predictable such as traffic violations, but others are more obscure like where you live or your financial responsibility.

The following are some of the things used by your company to calculate your rates.

• Low credit rating equals high rates – Having a bad credit history will be a significant factor in determining premium rates. Insureds with very high credit ratings tend to be better risks to insure than those with lower credit scores. So if your credit score can use some improvement, you could save money insuring your 1997 Lincoln Mark VIII by repairing your credit.
• Increase coverage deductibles and save – Insurance for physical damage to your car, aka comp and collision, is used to repair damage to your vehicle. A few examples of covered claims would be a dented fender, damage caused by hail, and damage from a fallen tree branch. Deductibles for physical damage represent how much money you are required to pay in the event of a claim. The more expense you’re willing to pay, the bigger discount you will receive for Mark VIII coverage.
• Teen vs. older drivers – Young drivers have a tendency to be easily distracted when at the wheel of a vehicle so insurance rates are higher. More mature drivers are more responsible, are lower risk to insure and tend to be get fewer driving tickets.
• City dwellers may pay more – Residing in areas with lower population has definite advantages when talking about insurance. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates. Drivers who live in large cities have more traffic problems and more time behind the wheel. More time behind the wheel means higher likelihood of an accident.
• What’s your car’s IIHS safety rating? – Cars with high safety ratings tend to have lower insurance rates. Safer cars have better occupant injury protection and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Lincoln Mark VIII is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Insurance Coverage Discounts

Companies offering auto insurance don’t list every discount they offer in an easy-to-find place, so the below list has some of the more common and the more hidden discounts that you can inquire about if you buy insurance coverage online. If they aren’t giving you every credit possible, it’s possible you qualify for a lower rate.

• Bundle and Save – If you can combine your auto and home policy with the same insurance company you could get a discount of at least 10 to 15 percent or more.
• Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
• Driver Training Discounts – Taking time to complete a course teaching defensive driver skills could earn you a small percentage discount and make you a better driver.
• Discounts for Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% for Mark VIII coverage than drivers with accidents.
• ABS Brakes – Cars and trucks with anti-lock braking systems prevent accidents and the ABS can save up to 10%.
• Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction for Mark VIII coverage with some insurance coverage companies.
• Telematics Devices – Policyholders that allow their company to study driving patterns by using a telematics device such as State Farm’s In-Drive might see lower rates as long as the data is positive.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy. But all discounts will bring down the cost of your policy.

Companies and a partial list of their discounts can be found below.

• 21st Century offers discounts including homeowners, student driver, early bird, theft prevention, automatic seat belts, and teen driver.
• Progressive offers discounts for continuous coverage, online quote discount, homeowner, online signing, multi-policy, and good student.
• State Farm has savings for driver’s education, defensive driving training, multiple policy, accident-free, and safe vehicle.
• Nationwide policyholders can earn discounts including anti-theft, easy pay, defensive driving, good student, and multi-policy.
• Esurance offers premium reductions for good student, DriveSense, Switch & Save, safety device, claim free, and good driver.
• The Hartford has discounts for defensive driver, air bag, vehicle fuel type, bundle, driver training, anti-theft, and good student.

If you need cheaper insurance coverage quotes, ask every company what discounts are available to you. Some credits may not apply to policies in your state. To see providers that offer discounts, click this link.

Are you falling for claims of savings?

Auto insurance providers like 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. They all seem to make the same claim about saving some big amount just by moving your coverage to them. It sounds good, but how can they all make almost identical claims? Just pay attention to how they say it.

Companies provide the lowest rates for the driver that earns them the highest profit. For example, a profitable risk profile should be a married female, has never had a policy lapse, and drives less than 7,500 miles a year. Any customer that fits those parameters will probably get the lowest car insurance rates and will also save when they switch companies.

Drivers who fall short of the “perfect” profile may be forced to pay a more expensive rate which translates to business not being written. The ads say “people who switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can confidently make those statements. Because of these techniques, you really should get insurance coverage quotes from several different companies. It is impossible to guess which insurance companies will give you lower rates than your current company.

Tailor your car insurance coverage to you

When buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions can aid in determining whether you may require specific advice.

• Should I buy additional glass protection?
• Is my babysitter covered when using my vehicle?
• Am I covered by my spouse’s policy after a separation?
• What is high-risk coverage and where do I buy it?
• Do I have coverage when making deliveries for my home business?
• Is my camper covered by my car insurance policy?
• How much liability coverage do I need in my state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Insurance coverage specifics

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Liability

Liability insurance can cover injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your Mark VIII caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, driving through your garage door, colliding with another moving vehicle, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance

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

Comprehensive can pay for claims such as damage from flooding, falling objects and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln Mark VIII.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills such as doctor visits, funeral costs, prosthetic devices and surgery. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Final considerations

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. In too many instances, drivers have reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

We just presented many ideas to compare 1997 Lincoln Mark VIII insurance car insurance rates online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance comes from a small mutual company. These smaller insurers may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

Cost effective 1997 Lincoln Mark VIII insurance is attainable online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and many times these smaller companies only sell coverage through local independent agencies.

For more information, take a look at the following helpful articles:

• Prom Night Tips for Teen Drivers (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)