View 2009 Lincoln MKS Insurance Quotes

There isn’t anyone who enjoys paying for insurance, especially knowing it costs too dang much.

Vehicle owners have multiple insurers to buy insurance from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to compare rates.

It’s smart to do rate comparisons on a regular basis because insurance prices are adjusted regularly by insurance companies. Just because you had the best rates on MKS insurance last year you can probably find a better premium rate now. Block out anything you think you know about insurance because you’re about to learn the quickest way to find the best coverage while lowering your premiums.

Are you getting every discount?

Car insurance is easily one of your largest bills, but you might find some hidden discounts to help bring down the price. Many of these discounts will be applied automatically at quote time, but some must be specifically requested before they will apply. If you do not check that you are getting every discount you qualify for, you are just wasting money.

• Sign Early and Save – A few companies allow discounts for buying a new policy before your current policy expires. You could save around 10% when you buy insurance online.
• Student in College – Older children living away from home attending college and don’t have a car may be able to be covered for less.
• Multi-Vehicle Discounts – Insuring all your vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
• Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease on MKS insurance with select insurance companies.
• Memberships – Participating in a qualifying organization could earn you a nice discount when getting a insurance quote.
• Seat Belt Discounts – Drivers who require all vehicle occupants to use a seat belt can save 10% or more off PIP or medical payments premium.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.

As a disclaimer on discounts, some credits don’t apply the the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will positively reduce your premiums.

Larger car insurance companies and a partial list of their discounts are shown below.

• AAA includes discounts for good driver, multi-car, education and occupation, pay-in-full, and anti-theft.
• Progressive policyholders can earn discounts including multi-vehicle, homeowner, online quote discount, multi-policy, and continuous coverage.
• State Farm discounts include defensive driving training, good student, Drive Safe & Save, anti-theft, and Steer Clear safe driver discount.
• Esurance may include discounts for emergency road assistance, Switch & Save, good driver, DriveSense, and anti-lock brakes.
• Nationwide offers discounts for multi-policy, easy pay, good student, accident-free, and Farm Bureau membership.

Before purchasing a policy, check with each company or agent which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your area. To see a list of insurance companies with significant discounts, click this link.

How much is auto insurance?

Effectively comparing auto insurance prices can take time and effort if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many of the larger companies belong to a marketplace where insurance shoppers submit their information once, and at least one company provides a quote determined by their information. This eliminates the need for repetitive form submissions to every company.

To participate in this free quote system, click here to start a free quote.

The only downside to doing it this way is that consumers can’t choose which insurance companies you want pricing from. If you would rather choose specific insurance companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be certain you are entering apples-to-apples coverages on every quote you get. If the quotes have different liability limits then you won’t be able to make a fair comparison for your Lincoln MKS. Even a minor difference in insurance coverages or limits could skew the results. And when comparison shopping, making a lot of price comparisons increases your odds of finding a better price.

When in doubt talk to an agent

When it comes to choosing the best car insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might point out whether you could use an agent’s help.

• Am I covered if I drive in a foreign country?
• Is business property covered if stolen from my car?
• Does my insurance cover a custom paint job?
• What companies insure drivers after a DUI or DWI?
• Should I buy additional glass protection?
• How much underlying liability do I need for an umbrella policy?
• Should I drop comprehensive coverage on older vehicles?
• Is my vehicle covered by my employer’s policy when using it for work?
• Are rock chip repairs covered?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance coverage specifics

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average car insurance policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Lincoln MKS.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

This 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 coverage pays for claims such as hitting a bird, damage from a tornado or hurricane and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This covers damage to your MKS from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage kick in for expenses for things like nursing services, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Auto liability

Liability coverage protects you from damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, medical expenses and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

More choices the merrier

In this article, we presented some good ideas how you can get a better price on 2009 Lincoln MKS insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding the cheapest insurance. You may even discover the lowest prices come from a small local company. They may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

Cheaper 2009 Lincoln MKS insurance can be sourced both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance coverage companies do not provide rate quotes online and these smaller companies provide coverage only through independent agents.

More information

• Uninsured Motorist Statistics (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Young Drivers: The High Risk Years Video (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Choosing a Car for Your Teen (State Farm)
• Distracted Driving (Insurance Information Insitute)