2013 Lincoln MKZ Insurance Rates – 5 Tips to Save

Drivers have a choice when trying to find affordable Lincoln MKZ insurance. They can either waste time driving around to compare prices or use the internet to get rate quotes. There are both good and bad ways to find insurance online and you need to know the absolute fastest way to price shop coverage for a Lincoln and find the best price possible either online or from local insurance agents.

If you are insured now or need a new policy, you can use this information to reduce the price you pay and still get good coverage. The purpose of this post is to tell you how to get online quotes. Drivers just need to understand the proper way to shop their coverage around over the internet.

Take advantage of every car insurance discount

Auto insurance companies don’t list every disount available in an easy-to-find place, so we researched a few of the more common and also the lesser-known credits available to bring down your rates.

• Low Miles Discount – Driving less may allow you to get better prices on cars that stay parked.
• Discount for New Cars – Putting car insurance coverage on a new car can save up to 30% since newer vehicles have better safety ratings.
• Government Employee Discount – Having worked for a branch of the government could cut as much as 10% off on MKZ insurance but check with your company.
• Homeowners Savings – Owning your own home or condo can save a few bucks because of the fact that having a home is proof that your finances are in order.
• Discount for Multiple Policies – If you have multiple policies with one insurance company you could earn a discount of as much as 10 to 15 percent.

Don’t be surprised that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

For a list of providers that offer the discounts shown above, click here.

How much is car insurance?

There are a variety of methods to compare car insurance prices but there is one way that is easier and takes less work. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to get pricing more quickly.

Many insurance companies enroll in a system that allows shoppers to complete one form, and each participating company can give them a price for coverage. This saves time by eliminating quotation requests for each company. To enter your information into the quoting system, click to open in new window.

The one disadvantage to getting quotes like this is you cannot specify which companies to get pricing from. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just do your best to enter exactly the same quote information with each company. If the quotes have higher or lower deductibles it will be impossible to get a fair rate comparison.

How to know if you need help

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

For instance, these questions might point out if you would benefit from an agent’s advice.

• What is the difference between comprehensive and collision coverage?
• Does my insurance cover a custom paint job?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why am I required to get a high-risk car insurance policy?
• Does insurance cover tools stolen from my truck?
• When should my teen driver be added to my policy?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Car insurance specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills for things like surgery, pain medications, nursing services, prosthetic devices and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Lincoln MKZ.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as structural damage, pain and suffering, emergency aid, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, fire damage and hitting a bird. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision coverage covers damage to your MKZ resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, colliding with another moving vehicle, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

A fool and his money are soon parted

In this article, we presented a lot of information how to get a better price on 2013 Lincoln MKZ insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest rates come from an unexpected company.

Budget-friendly insurance is definitely available online and from local agencies, so get free car insurance quotes from both of them so you have a total pricing picture. Some insurance companies may not offer internet price quotes and these regional insurance providers provide coverage only through local independent agencies.

When getting car insurance quotes online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability coverage limits only to regret at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

Even more information can be read at these sites:

• Booster Seat Ratings (iihs.org)
• What is Full Coverage? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)