2007 Lincoln Mark LT Car Insurance Quotes

Looking for the cheapest insurance rates for your Lincoln Mark LT? Finding the cheapest insurance for a new or used Lincoln Mark LT could be an all-consuming task, but you can learn our insurance buying tips to save time.

There are more efficient ways to find insurance online and we’ll show you the proper way to price shop coverage for your Lincoln and locate the lowest possible price from both online companies and local agents.

It’s important to get comparison quotes before your next renewal because prices are usually higher with each renewal. If you had the best deal for Mark LT insurance a few years ago there may be better deals available now. There is too much inaccurate information about insurance out there, but I’m going to show you some tested techniques to stop overpaying for insurance.

Shopping for the best protection is simple if you know the tricks. If you have a current insurance coverage policy or need new coverage, you will benefit by learning to get lower rates and still get good coverage. Vehicle owners just need to understand how to get comparison quotes online.

What determines Lincoln Mark LT insurance costs?

Consumers need to have an understanding of some of the factors that help calculate your premiums. If you know what determines base rates, this allows you to make good choices that could help you find better auto insurance rates. Many different elements are used when pricing auto insurance. Most are fairly basic like a motor vehicle report, although others are more obscure such as your marital status or your vehicle rating.

The itemized list below are a few of the “ingredients” used by companies to determine rates.

  • Men are more aggressive – Statistics have proven females are less aggressive when driving. It does not mean men are WORSE drivers than women. Both genders tend to get into fender benders in similar percentages, but guys get into accidents with more damage. Men also tend to have more aggressive citations like driving under the influence (DUI). Young men ages 16 to 20 tend to get in the most accidents so they pay the highest premiums.
  • Teenage drivers pay more – Beginning drivers are statistically proven to be less responsible with other occupants in the car so auto insurance rates are higher. Having to add a first-time driver onto a policy can increase premiums substantially. More mature drivers are proven to be safer behind the wheel, are lower risk to insure and receive fewer citations.
  • Your spouse saves you money – Your spouse helps lower the price compared to being single. Marriage may mean you are more financially stable and it’s proven that married couples file fewer claims.
  • Add-on coverages can cost a lot – Insurance companies have many additional coverages that can waste your money if you aren’t diligent. Add-on coverages like rental car reimbursement, towing, and membership fees may be costing you every month. These may sound like a good investment when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.
  • Deter theft and pay less – Owning a car with advanced anti-theft systems can get you a discount on your auto insurance. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all help prevent your car from being stolen.
  • Keep policy claims to a minimum – Car insurance companies generally give better rates to insureds that do not abuse their auto insurance. If you frequently file small claims, you can definitely plan on higher rates. Insurance coverage is intended for major claims that would cause financial hardship.
  • Your employer may affect premiums – Did you know your occupation can influence how much you pay for auto insurance? Jobs like military personnel, executives and miners generally have the highest rates in part from high stress and long work hours. Other professions such as scientists, students and performers receive lower rates for Mark LT insurance.
  • Prices impacted by your city – Residing in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Drivers in populated areas regularly have much more traffic and much longer commute distances. Less people living in that area translates into fewer accidents and a lower car theft rate.

Low cost auto insurance prices

Comparing auto insurance rates is a ton of work if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize the web to get prices fast.

Many insurance companies enroll in a system that enables customers to only type in their quote data once, and at least one company can provide price quotes based on the submitted data. This saves time by eliminating quote forms for every auto insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to using this type of form is you are unable to specify the insurers to get quotes from. If you prefer to choose specific providers to compare, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

Whichever method you choose, be certain you are entering identical quote information for each quote you get. If the quotes have mixed coverages it’s impossible to find the best deal for your Lincoln Mark LT.

Auto insurance discounts are available to cut your rates

Some insurers do not list all their discounts in a way that’s easy to find, so the following list contains both well-publicized and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online. If you’re not getting every credit possible, you’re paying more than you need to.

  • Anti-lock Brakes – Vehicles with ABS and/or traction control are safer to drive and earn discounts up to 10%.
  • Multi-policy Discount – When you have multiple policies and insure them with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Telematics Data – Drivers who agree to allow their insurance company to look at driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they are good drivers.
  • Low Mileage Discounts – Driving less could earn discounted auto insurancerates on garaged vehicles.
  • Safety Course Discount – Participating in a safe driver class could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Online Discount – A few larger online companies will give a small break for buying your policy over the internet.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
  • Senior Citizen Rates – Mature drivers can possibly qualify for a discount up to 10% for Mark LT insurance.
  • Early Renewal Discounts – A few larger companies allow discounts for buying a new policy early. You can save around 10% with this discount.

As is typical with insurance, most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, it’s just not the way it works.

A few popular companies and their possible discounts are outlined below.

  • State Farm offers discounts for Steer Clear safe driver discount, anti-theft, safe vehicle, student away at school, and Drive Safe & Save.
  • American Family includes discounts for accident-free, Steer into Savings, early bird, air bags, good driver, good student, and bundled insurance.
  • AAA may offer discounts for anti-theft, multi-policy, good driver, AAA membership discount, good student, multi-car, and education and occupation.
  • Geico offers discounts including seat belt use, emergency military deployment, federal employee, driver training, good student, and anti-lock brakes.
  • Mercury Insurance has discounts for age of vehicle, location of vehicle, good student, professional/association, anti-theft, good driver, and ease of repair.
  • Farmers Insurance offers premium reductions for teen driver, homeowner, switch companies, bundle discounts, and youthful driver.
  • Progressive policyholders can earn discounts including homeowner, good student, multi-policy, multi-vehicle, online quote discount, and continuous coverage.

Before buying, ask every prospective company which credits you are entitled to. Some discounts might not apply everywhere.

Everyone needs different insurance coverage coverages

When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

These are some specific questions may help you determine whether or not you could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • How do I insure my teen driver?
  • Do I need an umbrella policy?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to Mexico or Canada?
  • Do I pay less for low miles?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

What insurance coverages do you need?

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision protection

This coverage will pay to fix damage to your Mark LT resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, crashing into a building, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, falling objects and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as prosthetic devices, doctor visits, pain medications and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability

This coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for 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 policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. 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 coverage protects against things like medical expenses, attorney fees, court costs, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Lincoln Mark LT.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Shop Smart and Save

When shopping online for car insurance, you should never buy poor coverage just to save money. In too many instances, someone dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The goal is to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

You just learned a lot of ways to lower your 2007 Lincoln Mark LT insurance auto insurance rates. It’s most important to understand that the more you quote auto insurance, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with the least-expected company.

Cost effective 2007 Lincoln Mark LT insurance can be purchased online and with local insurance agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance providers may not offer internet price quotes and many times these small insurance companies only sell coverage through local independent agents.

More tips and info about car insurance is available at these sites:

Comments About 2007 Lincoln Mark LT Insurance

  1. Chelsey Poole

    Live in Bismarck, North Dakota. Not sure of all the companies but I ended up saving about $60 each month. They were helpful in switching over.

  2. Honey Scott

    Is GEICO or Allstate cheaper in Frederick, MD?

  3. Garry Miles

    Good site, thanks. Quoted with Hartford for my 2007 Lincoln Mark LT and saved around $550 a year. I get multi-vehicle and multi-policy discounts. I got a quote from their website.

  4. Janyce Munoz

    If you don’t have tickets and are close to Chesapeake, VA, check out Allstate. I saved quite a bit. Was with American Family. I’m a pretty good driver though. Did it all online.

  5. Ardith Craft

    If you’re a decent driver and live around Boston, Massachusetts, check out Progressive. I saved quite a bit. I have a couple other vehicles on the policy.

  6. Spring Carroll

    Affordable car insurance is a myth. I live in Jersey City, NJ. Compared quite a few companies. Saved right around $50 a month. Progressive was the best choice for me. Ask about discounts. I recommend comparing lots of rates.

  7. Christiana King

    I switched to Progressive. Quoted good rates in Huntington, WV. Have a couple speeding tickets too.

  8. Karleen Leach

    Checking in from Detroit, MI. I got free quotes from Allstate, Auto-Owners, and Erie for my Lincoln and saved $127 a year. Left Encompass to switch. Thankfully I’m not a high risk driver. Online quotes are the way to go.

  9. Gwendolyn Contreras

    Just a quick comment on my experience. From northwest of San Diego, California. I compared lots of rates. Saved right around $50 a month. GEICO was the best choice for me. Got better coverage too. Online quotes are the way to go.

  10. Tarra Rowe

    Any State Farm or Eastwood customers near Tulsa, Oklahoma?

  11. Helga Hurley

    Proud to be from Fargo, ND. Received rates from Amica, Mercury, and USAA for my Mark LT and I’m now saving $56 a month. Good multi-policy discounts. I used their online quote form to compare rates.

  12. Vergie Henry

    I’m from Allentown, Pennsylvania. I got free quotes from Hartford, Amica, Safeco, and a couple others for my Lincoln and saved just over $400 a year. My new agent seems to be really good.

  13. Della Gamble

    Anyone buy from AIG Insurance? I’m in Omaha, Nebraska.

  14. Twila Petty

    Not sure what I should be paying. Checking in from Owensboro, KY. I don’t recall every quote but I ended up saving about $20 each month. :)

  15. Sueann Walsh

    Does 21st Century offer good discounts?

  16. Janice Macdonald

    What is UM/UIM coverage?