2015 Lincoln MKC Car Insurance Rates

Want lower car insurance rates for your Lincoln MKC? Do you get confused by the wide range of car insurance sources? vehicle owners have so many options that it can be a real hassle to find a cheaper company.

Shopping for the best coverage is simple if you know the tricks. Just about anyone who shops for car insurance will more than likely be able to find lower rates. Nevertheless, vehicle owners do need to know how insurance companies compete online and apply this information to your search.

Learn how to lower your insurance rates

Lots of factors are part of the calculation when premium rates are determined. Some factors are common sense such as traffic violations, although some other factors are more obscure like your continuous coverage or how financially stable you are.

• Liability protection preserves assets – Your policy’s liability coverage provides coverage if ever you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Know your credit rating – Credit rating is a large factor in calculating your premium rate. So if your credit leaves room for improvement, you could potentially save money when insuring your 2015 Lincoln MKC by improving your credit score. Drivers with excellent credit tend to be better risks to insure as compared to drivers with bad credit.
• Consider raising physical damage deductibles – Physical damage deductibles define the amount you are required to spend in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, collision with a deer, and damage from wind. The more expense you are required to pay out-of-pocket, the lower your rates will be on MKC insurance.
• Never have insurance lapses – Driving any period of time without insurance can get your license suspended and companies may charge more for letting your insurance expire. Not only will you pay more, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license. You will then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Cheaper premiums using theft deterrents – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft and help bring rates down.
• Men drivers tend to cost more – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Both genders have at-fault accidents at a similar rate, but males have accidents that have higher claims. They also receive more major tickets like reckless driving and DUI.
• If you don’t need it don’t buy it – Insurance companies have many extra add-on coverages that may not really be needed on your insurance policy. Insurance for rental car coverage, death and dismemberment, and additional equipment coverage could be just wasting money. You may think they are a good idea when deciding what coverages you need, but your money might be better spent on other coverage so remove them from your policy.

Low cost car insurance quotes

Effectively comparing car insurance prices can take hours if you don’t utilize the most efficient way to do it. You could waste time discussing policy coverages with insurance agencies in your area, or you can utilize the internet to achieve your goal.

All the larger companies belong to an insurance system where prospective buyers only type in their quote data once, and each participating company can give them a price based on that information. This eliminates the need for repetitive form submissions to each company.

To get comparison pricing now click here (opens in new window).

The one downside to doing it this way is you are unable to specify the companies to get quotes from. So if you want to choose specific insurance companies for rate comparison, we have a page of car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make sure you compare identical coverage limits for each comparison quote. If each company quotes different limits and deductibles on each one it will be very difficult to make a fair rate comparison. Just a small difference in insurance coverages could skew the results. And when comparing car insurance rates, know that getting more free quotes helps you find the best price. Some smaller insurers to not give quotes online, so it’s recommended that you also compare rates from them, too.

Save a ton by taking advantage of discounts

Some providers don’t always publicize all possible discounts very clearly, so we break down both the well known and the harder-to-find discounts that you may qualify for.

• Discount for New Cars – Putting auto insurance coverage on a new car is cheaper because newer models are generally safer.
• Defensive Driving Course – Taking time to complete a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
• Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% on MKC insurance.
• Discounts for Government Workers – Federal government employees could cut as much as 10% off on MKC insurance but check with your company.
• Policy Bundle Discount – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
• Active Military Service – Being deployed in the military may lower your auto insurance rates slightly.
• Telematics Data Discounts – Policyholders that allow data collection to spy on driving patterns by using a telematic data system like Allstate’s Drivewise may see discounts if their driving habits are good.

Policy discounts save money, but some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So even though you would think all the discounts add up to a free policy, companies don’t profit that way. But any discount will cut your policy premiums.

A list of companies and their offered discounts are:

• Geico may include discounts for multi-vehicle, membership and employees, multi-policy, good student, five-year accident-free, defensive driver, and seat belt use.
• SAFECO discounts include multi-car, drive less, bundle discounts, safe driver, teen safety rewards, anti-lock brakes, and anti-theft.
• State Farm may offer discounts for good student, accident-free, Steer Clear safe driver discount, passive restraint, driver’s education, and Drive Safe & Save.
• MetLife offers discounts including multi-policy, accident-free, defensive driver, good student, good driver, and claim-free.
• 21st Century may have discounts that include 55 and older, homeowners, driver training, automatic seat belts, good student, teen driver, and anti-lock brakes.
• Progressive policyholders can earn discounts including good student, multi-policy, online signing, online quote discount, multi-vehicle, continuous coverage, and homeowner.

It’s a good idea to ask each insurance company which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your area. To find companies with the best discounts, click this link.

How much auto insurance do I need?

When it comes to choosing the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether you might need professional guidance.

• Am I covered when pulling a rental trailer?
• Is motorclub coverage worth it?
• Will I be non-renewed for getting a DUI or other conviction?
• Why do I only qualify for high-risk insurance?
• Do I need to file an SR-22 for a DUI in my state?
• What if I owe more than I can insure my car for?
• I have health insurance so do I need medical payments coverage?
• Can I rent a car in Mexico?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Coverages available on your policy

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses for things like rehabilitation expenses, nursing services, pain medications, X-ray expenses and surgery. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This coverage pays for damage to your MKC resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like rolling your car, crashing into a ditch, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, falling objects, hitting a bird and a broken windshield. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Lincoln MKC.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Liability

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, attorney fees, emergency aid, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Save for a rainy day

Consumers leave their current company for a number of reasons such as policy non-renewal, lack of trust in their agent, being labeled a high risk driver and even delays in paying claims. Regardless of your reason, choosing a new insurance company is actually quite simple.

Budget-conscious 2015 Lincoln MKC insurance can be found online and from local agencies, and you should be comparing both to get a complete price analysis. There are still a few companies who don’t offer the ability to get quotes online and many times these regional insurance providers prefer to sell through local independent agents.

We covered a lot of information how to lower your 2015 Lincoln MKC insurance car insurance rates. The key concept to understand is the more quotes you get, the higher your chance of finding low cost auto insurance. You may be surprised to find that the lowest priced insurance comes from an unexpected company.

Other learning opportunities

• What is a Telematics Device? (Allstate)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Frontal Crash Tests (iihs.org)