View 2015 Lincoln MKS Car Insurance Quotes

Searching for better car insurance rates for your Lincoln MKS? Having to pay for overpriced car insurance can bleed your accounts and possibly require you to analyze your spending habits. Comparison shopping is a great way to lower your monthly bill.

Numerous auto insurance companies battle for your business, and it can be difficult to compare rates to discover the definitive cheapest price

If you have a policy now or need new coverage, you can learn to cut your premiums and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to know the proper methods to get comparison rates online.

More affordable rates with these discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to reduce the price significantly. Certain discounts will be applied when you quote, but a few must be specifically requested before being credited.

  • Driving Data Discount – Insureds who allow their insurance company to spy on when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates as long as the data is positive.
  • Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance quote for MKS insurance compared to accident prone drivers.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Multiple Policy Discount – When you have multiple policies with the same company you could earn a discount of up to 20% and get you low cost insurance.
  • Accident-Free Discounts – Insureds with no claims or accidents get the best insurance rates as opposed to bad drivers.
  • Paperwork-free – A handful of insurance companies will provide an incentive for completing your application on your computer.

We need to note that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Some companies that may have some of the discounts shown above may include but are not limited to:

If you want cheap insurance quotes, ask each company what discounts are available to you. Some credits might not be offered on policies everywhere.

Insurance can be complex

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does coverage extend to a rental car in a foreign country?
  • Is extra glass coverage worth it?
  • Can I afford to buy a different vehicle if my 2015 Lincoln MKS is totaled?
  • How high should my medical payments coverage be?
  • Is my 2015 Lincoln MKS covered for flood damage?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Can you really save $455 a year?

Consumers get pounded daily by advertisements that claim the lowest car insurance rates from the likes of Allstate, Geico and Progressive. They all seem to seem to make the promise about savings just by switching your policy.

How do they all offer drivers better rates? This is the way they can do it.

All the different companies have specific criteria for a prospective insured that earns them the highest profit. A good example of a profitable customer should be a married male, is a homeowner, and has great credit. Someone who fits that profile gets the lowest rates and will most likely cut their rates if they switch.

Consumers who may not quite match the “perfect” profile may be forced to pay higher premiums which usually ends up with the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that much when switching. That’s the way companies can make claims like that.

This really illustrates why you really need to do a quote comparison often. It is impossible to guess the company that will have the best premium rates at this point in time.

Car insurance coverage options for a Lincoln MKS

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages offered by car insurance companies.

Comprehensive car insurance

This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, hitting a bird and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many 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. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses such as doctor visits, chiropractic care, pain medications, prosthetic devices and EMT expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like bail bonds, structural damage, pain and suffering and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your MKS resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, colliding with another moving vehicle, crashing into a ditch, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Coverage on a shoestring budget

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. In many cases, an insured dropped full coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

Budget-friendly insurance can be purchased on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer internet price quotes and many times these small insurance companies sell through independent insurance agents.

For more information, link through to the articles below:

Comments About 2015 Lincoln MKS Insurance

  1. Joi Larsen

    Live in Atlanta, GA. Checked online prices for a 2015 Lincoln MKS. Ended up at about $280 savings annually. Went with State Farm. Good savings if you bundle. Not sure about claim service.

  2. Davida Schultz

    Not sure what I should be paying. Live in Spokane, WA. I don’t recall every quote but I ended up saving about $50 each month. Left Travelers to switch. You can get a rate quote online.

  3. Edwardo Roach

    Located in Rochester, NY. Received quotes from Auto-Owners, Nationwide, and a few others for my 2015 Lincoln MKS and saved $348 a year.

  4. Tamar Mcpherson

    Here’s my info. I’m in Billings, MT. Got quotes from Mercury, Erie, 21st Century, and AIG Insurance for my MKS and saved just over $150 a year. Insured with Eastwood before. Hardly afford to drive anymore.

  5. Paz Drake

    Great info, thanks for posting. Located in West Valley City, UT. Quoted with MetLife, Erie, Allstate, and Amica for my Lincoln and saved just over $170 a year. :)

  6. Britta Beck

    Corporate greed I’m telling you. From a town just southwest of Rapid City, SD. Quoted prices online for a 2015 Lincoln MKS. Ended up at about $120 savings annually. Went with Allstate. Not sure if rates are cheaper online or through an agent.

  7. Wilda Nelson

    I compared a lot of rate quotes for a 2015 Lincoln MKS in Rutland, VT. Ended up at about $240 every six months with Auto-Owners. Still almost need a second mortgage.

  8. Madeline Combs

    Is a custom audio system covered by insurance?

  9. Elena Oneal

    Good site, thanks. I’m in the east part of Mesa, Arizona. Went online for free insurance quotes for a 2015 Lincoln MKS. Ended up at about $120 savings annually. Went with State Farm. I recommend comparing lots of rates.

  10. Neta Gallagher

    I’ve bought from State Farm forever. Cheapest rates in Rochester, NY.

  11. Eleonore Obrien

    Cheap is not always the best policy. From north side of Tacoma, WA. Compared quite a few companies. Saved roughly $20 a month. Progressive was the most affordable for me. I get multi-vehicle and multi-policy discounts.

  12. Mariette Montgomery

    Where is cheaper car insurance? I’m in Anchorage, AK. Got rates from GEICO, Esurance, and Hartford for my 2015 Lincoln MKS and saved $282 a year.

  13. Drema Roman

    IT’S ALL TOO EXPENSIVE! I’m just south of Gulfport, MS. I got free prices from Allstate, Auto-Owners, and Eastwood for my 2015 Lincoln MKS and cut my rates about $100 a year. Thankfully I have a good driving record.

  14. Jarred Macias

    Went with Amica for my 2015 Lincoln MKS and saved about $240 a year. I increased coverages a little too.

  15. Shonna Copeland

    Lifelong resident of Chesapeake, Virginia. Quoted prices online for a 2015 Lincoln MKS. Ended up at about $250 savings annually. Went with Allstate. I recommend comparing lots of rates.

  16. Adelia Ross

    GEICO quoted the best rates in Kentucky.

  17. Rachel Walton

    Live in the western part of Providence, RI. Quoted quotes from Allstate, AAA, and some I forget for my Lincoln and saved $340 a year.