2011 Lincoln MKZ Car Insurance Rates – 8 Tricks for Best Quotes

Searching for the cheapest insurance coverage rates? Consumers have many options when looking for the best price on Lincoln MKZ insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to make rate comparisons. There are more efficient ways to compare insurance coverage rates so you’re going to learn the best way to price shop coverage for a new or used Lincoln and obtain the lowest price from both online companies and local agents.

It’s a good habit to quote other rates yearly because prices change frequently. Even if you got the best price on MKZ coverage six months ago a different company probably has better rate quotes today. There are lots of tips to save on insurance coverage on the web, but in just a couple of minutes you can learn the easiest ways to put money back in your pocket.

You may qualify for discounts

Insurance can be prohibitively expensive, but you may be missing some discounts that could drop your premiums quite a bit. Some discounts will apply when you purchase, but a few must be asked for before they will apply.

  • Waiver for an Accident – This one isn’t a discount, but a few companies such as Allstate, State Farm and Geico will allow you to have one accident before raising your premiums as long as you don’t have any claims for a specific time period.
  • College Student Discount – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car can receive lower rates.
  • Safety Course Discount – Completing a driver safety course could save 5% or more and make you a better driver.
  • Data Collection Discounts – Insureds that choose to allow driving data collection to study driving patterns by using a telematics device in their vehicle such as State Farm’s In-Drive could possibly reduce rates if they have good driving habits.
  • Online Discount – Some of the larger companies may give you up to $50 for buying your policy over the internet.
  • Military Rewards – Being deployed in the military could trigger a small discount.
  • Low Mileage Discounts – Driving less can earn slightly better prices than normal.
  • Discount for New Cars – Putting coverage on a new car can be considerably cheaper because new model year vehicles are generally safer.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free auto insurance policy, companies wouldn’t make money that way.

A few companies that have most of the discounts above include:

Before you buy a policy, ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not apply in your area.

Affordable car insurance

There are multiple methods to compare car insurance prices but some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance agencies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace that allows shoppers to submit one quote, and each company then returns a price quote determined by their information. This prevents consumers from doing quotation requests to every company.

To participate in this free quote system, click to open in new window.

One minor caviat to using this type of system is you don’t know exactly which providers you will receive quotes from. If you would rather choose individual companies to compare rates, we put together a list of low cost car insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, try to keep exactly the same quote data with each company. If each company quotes different values for each quote it’s impossible to determine which rate is truly the best.

There’s no such thing as the perfect insurance policy

When it comes to buying the best insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your situation might need professional guidance.

  • Will my rates increase for filing one claim?
  • Is my cargo covered for damage or theft?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if I break a side mirror?
  • Can I afford to buy a different vehicle if my 2011 Lincoln MKZ is totaled?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Coverages available on your policy

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, vandalism and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Lincoln MKZ.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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

Liability coverage protects against things such as repair bills for other people’s vehicles, structural damage, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like pain medications, dental work, doctor visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Final thoughts

Consumers who switch companies do it for many reasons like extreme rates for teen drivers, delays in responding to claim requests, questionable increases in premium or not issuing a premium refund. Regardless of your reason, finding a new car insurance company is actually quite simple.

When you buy car insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best cost, not the least amount of coverage.

You just learned a lot of information how to get a better price on 2011 Lincoln MKZ insurance. The key concept to understand is the more companies you get rates for, the better likelihood of getting cheap car insurance. You may even discover the most savings is with an unexpected company.

More detailed car insurance information can be read in the articles below:

Comments About 2011 Lincoln MKZ Insurance

  1. Lawanda Porter

    Is Allstate cheap in Colorado Springs, Colorado?

  2. Eldridge Guerrero

    Will Progressive cancel me if I have an accident?

  3. Melda Clemons

    Anyone buy from Auto-Owners? I’m in Aurora, CO.

  4. Jolynn Bernard

    I got decent rates for a 2011 Lincoln MKZ in Newark, NJ. Ended up at about $130 every six months with AIG Insurance. Insured with Erie before.

  5. Lane Salazar

    For me, Allstate was by far the cheapest in Rio Rancho, NM.

  6. Leigh Langley

    Does New Jersey require liability coverage?

  7. Shaneka Peck

    Lifelong resident of Los Angeles, California. I quoted with Auto-Owners, MetLife, and USAA for my 2011 Lincoln MKZ and I think I cut my rates about $30 each month.

  8. Jonelle Molina

    Like your site, BTW. Live in Gulfport, Mississippi. Don’t remember every company but I ended up saving about $20 each month. BTW speeding tickets are not good. Can still barely afford it.

  9. Darlene Eaton

    Nice post. I’m from Los Angeles, California. Quoted rates from AAA, Mercury, and some smaller one I can’t remember the name of for my MKZ and I’m now saving $60 a month. Was with GMAC. Have an at-fault accident tho. Still almost need a second mortgage.

  10. Julia Bradley

    I got decent rates for a 2011 Lincoln MKZ in Madison, WI. Ended up at darn near $580 every six months with Amica. Have an at-fault accident tho.

  11. Jamika Barnett

    I live just to the south of Eugene, Oregon. Can’t remember who all I quoted but I ended up saving about $30 each month. Was with MetLife. I have a couple other vehicles on the policy. I used their website to get prices.