How Much Does 2013 Lincoln MKS Insurance Cost?

Are you irritated from not being able to scrape enough together to pay your auto insurance bill each month? Your situation is no different than the majority of other vehicle owners.

Multiple insurers compete for your hard-earned dollar, so it can be very hard to choose a provider to find the absolute best rates possible.

It’s important to compare prices before your next renewal because auto insurance prices change regularly. Even if you think you had the best rate on MKS insurance a few years ago you may be paying too much now. There is too much inaccurate information about auto insurance out there, but in just a couple of minutes you can learn some of the best techniques to stop overpaying for insurance.

Car insurance discounts are available to lower your rates

Car insurance is expensive, but there could be significant discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you get a quote, but some may not be applied and must be asked about before being credited.

• Responsible Driver Discount – Drivers without accidents may save up to 50% more on MKS insurance than drivers with accidents.
• Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy auto and life insurance together.
• Discount for Passive Restraints – Vehicles equipped with air bags may get savings of 20% or more.
• Data Collection Discounts – People who choose to allow their company to study their driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
• Paperwork-free – A few insurance companies will give a small break just for signing your application on your computer.

Please keep in mind that many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Just because it seems like you could get a free car insurance policy, nobody gets a free ride.

Larger car insurance companies and their offered discounts are detailed below.

• Geico offers premium reductions for good student, military active duty, five-year accident-free, emergency military deployment, seat belt use, membership and employees, and anti-theft.
• Travelers may have discounts that include early quote, driver training, save driver, continuous insurance, and good student.
• Nationwide policyholders can earn discounts including family plan, multi-policy, anti-theft, good student, and accident-free.
• Farmers Insurance has discounts for bundle discounts, early shopping, homeowner, multi-car, pay in full, electronic funds transfer, and teen driver.
• Esurance includes discounts for homeowner, good driver, defensive driver, anti-theft, and good student.
• State Farm may include discounts for Steer Clear safe driver discount, passive restraint, accident-free, Drive Safe & Save, and multiple policy.
• Progressive discounts include online signing, multi-policy, multi-vehicle, good student, continuous coverage, homeowner, and online quote discount.
• Mercury Insurance has savings for good student, good driver, low natural disaster claims, location of vehicle, multi-car, and annual mileage.

Before purchasing a policy, check with each insurance company to give you their best rates. Savings might not be offered on policies in your area. If you would like to choose from a list of car insurance companies that have a full spectrum of discounts, click here to view.

How to get low cost insurance coverage

When looking for inexpensive auto insurance quotes, there are a couple ways to compare rate quotes from many different insurance companies. The best method to find affordable Lincoln MKS insurance rates is to use the internet to compare rates. It’s really quite simple and can be done in several different ways.

• One of the best ways to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method saves time by eliminating boring form submissions for every insurance coverage company. Taking the time to complete one form will get you rate comparisons from multiple companies.
• A slightly less efficient method to shop for insurance coverage online requires a visit to each company’s website and fill out a new quote form. For examples sake, we’ll pretend you are doing a rate comparison from Nationwide, 21st Century and Farmers. In order to compare rates, you need to navigate to each company’s site and repeatedly type in your coverage information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.
• The hardest method to compare rates is actually driving to local insurance agencies. Quoting and buying insurance online eliminates the middleman unless you prefer the professional abilities that only a licensed agent can provide. Although you can comparison shop your insurance online but have your policy serviced through an agent.

You can use whichever method you prefer to find lower rates, just ensure you are comparing apples-to-apples information for every company. If you use different data then you won’t be able to determine the lowest rate for your Lincoln MKS. Slightly different coverages could throw off the whole comparison. Just remember that comparing more company’s prices helps locate more affordable insurance. Not every company allows you to get online quotes, so you need to compare prices on coverage from those companies, too.

Smart consumers save more

Lots of factors are considered when you quote your car insurance policy. Some factors are common sense such as your driving history, although some other factors are less obvious like your continuous coverage or how financially stable you are.

• Consolidate policies to earn discounts – Many insurance companies allow lower prices to insureds who buy several policies from them such as combining an auto and homeowners policy. The discount can add up to anywhere from five to ten percent in most cases. If you currently are using one company, it’s in your best interest to comparison shop to guarantee you are still saving the most. You may still be able to find better rates by buying from different companies
• Annual mileage and car insurance prices – The more you drive your Lincoln annually the higher the price you pay to insure it. Many insurance companies charge to insure your cars partially by how you use the vehicle. Cars left parked in the garage receive lower rates than those that get driven frequently. A policy that improperly rates your MKS may be wasting your money. Double check that your vehicle rating is showing how each vehicle is driven, because improper ratings can cost you money.
• Premiums are high for teenagers – Teenage drivers are proven to be inattentive when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher. Having to add a youthful driver to your policy can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.
• Never let your insurance coverage expire – Driving with no insurance is a big no-no and you will pay a penalty because you let your insurance lapse. In addition to paying higher premiums, getting caught without coverage could earn you a fine, jail time, or a revoked license.
• Only buy what you need – There are many additional extra coverages that can add up on your MKS policy. Things like coverage for rental cars, death and dismemberment, and membership fees could be just wasting money. They may seem like a good idea when buying your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• The higher your credit history the lower your prices – Your credit history will be a significant factor in determining what you pay. So if your credit leaves room for improvement, you could potentially save money when insuring your 2013 Lincoln MKS by taking the time to improve your credit score. Consumers who have good credit tend to be more responsible than drivers who have poor credit.
• Bad drivers pay high prices – Having a clean driving record influences premium rates substantially. Only having one moving violation may cause rates to rise by twenty percent. Drivers with clean records get better rates as compared to those with violations. Drivers with license-revoking violations like hit and run, DWI or reckless driving convictions may need to maintain a SR-22 with their state in order to legally drive.
• Does your employer cost you more? – Occupations like lawyers, executives and dentists usually pay the highest average rates due to intense work-related stress and lots of time spent away from family. Conversely, careers such as actors, students and retirees pay the least on MKS insurance.

Everyone needs different insurance coverage coverages

When buying the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that might help in determining if your insurance needs could use an agent’s help.

• Am I covered if my car is in a flood?
• Why does it cost so much to insure a teen driver?
• What if I owe more than I can insure my car for?
• Should I put collision coverage on all my vehicles?
• How can I force my company to pay a claim?
• How high should deductibles be on a 2013 Lincoln MKS?
• What companies insure drivers after a DUI or DWI?
• Is rental equipment covered for theft or damage?
• Does my insurance cover my expensive audio equipment?
• Does my 2013 Lincoln MKS qualify for pleasure use?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Don’t listen to company ads

Popular insurance providers such as State Farm and Allstate continually stream ads in print and on television. All the ads tend to make the same promise about how much you will save if you switch to them. Is it even possible that every company can cost less than your current company?

Insurance providers quote their cheapest rates for the type of customer that will be a good risk. One example of a profitable insured might be described as over the age of 45, is a homeowner, and has a short commute. A customer getting a price quote who meets those qualifications will probably get the lowest rates and most likely will save a lot if they switch.

Consumers who do not match the “perfect” profile will see higher prices which usually ends up with the customer buying from a different company. The trick is to say “drivers who switch” not “everyone who quotes” can save as much as they claim. That’s the way insurance companies can confidently make claims like that.

This emphasizes why you should do a rate comparison at every renewal. It is impossible to predict which insurance companies will have the best rates for your profile.

Detailed coverages of your auto insurance policy

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most auto insurance policies.

Collision coverages – Collision insurance covers damage to your MKS from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, vandalism and hitting a bird. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Lincoln MKS.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Med pay and PIP coverage pay for expenses like ambulance fees, chiropractic care, doctor visits, rehabilitation expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like funeral expenses, court costs, bail bonds and medical services. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Keep this in mind

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where an insured cut full coverage only to discover later they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at the best possible price while not skimping on critical coverages.

We just presented a lot of information how to reduce 2013 Lincoln MKS insurance premium rates online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the most savings is with some of the smallest insurance companies. These companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate and Progressive.

Helpful information

• Vehicle Insurance (Wikipedia)
• Collision Coverage (Liberty Mutual)
• Distracted Driving (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)