Compare 2012 Lincoln MKS Insurance Rates

Searching for the cheapest insurance for your Lincoln MKS can be an all-consuming task, but you can use our car insurance buying tips to find lower rates.

There is a better way to shop for car insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Lincoln and find the best price possible from local insurance agents and online providers.

It’s smart to compare premium rates at least once a year because rates go up and down regularly. Even if you think you had the lowest premium rates on MKS insurance at your last renewal other companies may now be cheaper. Block out anything you think you know about car insurance because I’m going to teach you how to quote online to lower your annual insurance bill.

Cheapest car insurance price quotes

Lowering your 2012 Lincoln MKS car insurance rates is not a difficult process. The only thing you need to do is invest a few minutes to compare free insurance quotes online with multiple companies. It’s really simple and can be done in several different ways.

1. One of the best ways to find the lowest comparison rates is a comparison rater form click here to open form in new window. This quick form prevents you from having to do separate quotation requests for each price estimate. A single, simple form gets you coverage quotes direct from many companies. Just one form and you’re done.
2. A slightly less efficient method to analyze rates requires visiting each company’s website and go through the quote process again. For examples sake, we’ll assume you need rates from Farmers, Geico and Travelers. You would be required to take the time to go to each site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
3. The least efficient and most time consuming method of getting rate comparisons to different agent offices. Quoting online has reduced the need for local agents unless you require the trained guidance only provided by licensed agents. If you prefer, some companies allow you to get the lowest quotes online but still have the advice of a local agent.

It’s up to you which method you use, but do your best to enter the same deductibles and coverage limits for each quote you get. If you have different values for each quote it will be very difficult to get a fair rate comparison.

Misconceptions in car insurance advertisements

Consumers can’t escape the ads that claim the cheapest auto insurance rates from the likes of Progressive, Geico, Allstate and State Farm. All the ads seem to make the promise that drivers will save a bundle if you change to their company.

How is it possible that every company can charge you less for auto insurance? Here is the trick they use.

All the different companies have underwriting criteria for the type of customer that is profitable for them. For instance, a profitable risk profile could be over the age of 50, has never had a claim, and has a short commute. Any person who fits that profile will get very good rates and as a result will probably save when they switch companies.

Consumers who fall short of those criteria will get a higher rate with the end result being the customer not purchasing. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” save that much money. That’s the way companies can truthfully make the claims of big savings.

This really drives home the point why you really need to do a price quote comparison at every renewal. It is impossible to predict which car insurance company will have the lowest auto insurance rates for your situation.

Lower rates by qualifying for discounts

Some insurers don’t always advertise every disount available very well, so the list below contains a few of the more common as well as the least known discounts you could be receiving when you buy insurance online.

• First Accident Forgiveness – This isn’t a discount exactly, but companies like Geico, Progressive, and Allstate will turn a blind eye to one accident before they charge you more for coverage if you have no claims for a set time period.
• Safety Course Discount – Taking a course teaching safe driver skills could possibly earn you a 5% discount if you qualify.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life insurance policy as well.
• Safe Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance quote on MKS insurance compared to accident prone drivers.
• Clubs and Organizations – Belonging to a civic or occupational organization is a simple method to lower premiums when getting a insurance quote.
• Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
• Renewal Discounts – Some companies provide a discount for renewing your policy prior to the expiration date on your current policy. You can save around 10% with this discount.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you can get free auto insurance, you won’t be that lucky. But all discounts will help reduce the premium cost.

To see a list of auto insurance companies with discount auto insurance rates, click here to view.

Insurance is unique, just like you

When it comes to choosing the best insurance coverage, there is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

• What are the financial responsibility laws in my state?
• Is business equipment covered while in my vehicle?
• What is the ISO rating for a 2012 Lincoln MKS?
• Should I buy additional glass protection?
• Should I have combined single limit or split liability limits?
• Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Car insurance 101

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird, theft, fire damage and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, emergency aid, repair bills for other people’s vehicles, funeral expenses and structural damage. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Collision coverage

Collision coverage covers damage to your MKS from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, backing into a parked car, sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses like X-ray expenses, prosthetic devices, rehabilitation expenses, hospital visits and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Money doesn’t grow on trees

We just showed you many ways to save on 2012 Lincoln MKS insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest rates come from the smaller companies.

Discount 2012 Lincoln MKS insurance can be bought on the web as well as from independent agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not provide the ability to get quotes online and most of the time these small, regional companies work with independent agents.

When you buy insurance online, never reduce coverage to reduce premium. In too many instances, drivers have reduced comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

More tips and info about insurance coverage can be read in the articles below:

• Parking Tips to Reduce Door Dings (State Farm)
• Booster Seat Ratings (iihs.org)
• Teen Driving and Texting (State Farm)
• Auto Insurance Learning Center (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)