Lower Your 2016 Lincoln MKS Insurance Rates

Trying to find cheaper insurance for a Lincoln MKS can be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to find car insurance online and you need to know the absolute fastest way to quote coverages for a new or used Lincoln and obtain the lowest possible price either online or from local insurance agents.

It’s important to check car insurance prices once or twice a year since insurance prices tend to go up over time. Despite the fact that you may have had the best quotes on MKS insurance two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate the only way to properly buy coverages while reducing your premium.

If you have insurance now or are looking for a new policy, you will benefit by learning to get lower rates while maximizing coverage. Pricing the best car insurance can be fairly easy. Drivers just need to learn the best way to shop their coverage around online.

Drivers can save with these discounts

Companies offering auto insurance don’t always list the complete list of policy discounts very clearly, so the below list has a few of the more common and also the more inconspicuous savings tricks you should be using when you buy insurance online.

• Discount for Low Mileage – Keeping the miles down on your Lincoln can earn discounted rates on garaged vehicles.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
• Distant Student – Any of your kids who are enrolled in higher education away from home and leave their car at home may be able to be covered for less.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Safe Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates on MKS insurance than drivers with accident claims.
• Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
• Pay Now and Pay Less – By making one initial payment rather than paying monthly you may have a lower total premium amount.
• Multiple Policy Discount – If you combine your homeowners and auto policies with the same insurance company you will save at least 10 to 15 percent or more.
• 55 and Retired – If you’re over the age of 55, you are able to get a small discount on rates on MKS insurance.

Discounts lower rates, but most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

A few of the larger companies and a selection of discounts are outlined below.

• Geico discounts include multi-policy, anti-theft, defensive driver, seat belt use, five-year accident-free, federal employee, and good student.
• MetLife policyholders can earn discounts including good driver, good student, defensive driver, claim-free, multi-policy, and accident-free.
• State Farm has discounts for multiple policy, student away at school, accident-free, Drive Safe & Save, passive restraint, and defensive driving training.
• Progressive offers discounts including multi-vehicle, homeowner, continuous coverage, online signing, online quote discount, and multi-policy.
• Mercury Insurance offers discounts for ease of repair, low natural disaster claims, accident-free, multi-car, good driver, and professional/association.
• 21st Century offers premium reductions for teen driver, student driver, 55 and older, theft prevention, and air bags.
• Allstate includes discounts for 55 and retired, good payer, multi-policy, senior citizen, passive restraint, new car, and safe driver.

When getting free insurance quotes, it’s a good idea to every insurance company how you can save money. Discounts might not be available to policyholders in your area.

Decisions you make can impact your insurance premiums

An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that may reward you with cheaper rates.

• Liability coverage – Your insurance policy’s liability coverage kicks in if ever a court rules you are at fault for causing personal injury or damage in an accident. Liability provides you with a defense in court starting from day one. Liability is cheap when compared to the cost of physical damage coverage, so do not skimp.
• Discounts for GPS tracking and theft deterrents – Choosing to buy a car that has a built-in theft deterrent system can save you some money. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
• Teen driver insurance rates – Beginning drivers are statistically shown to get distracted easily when behind the wheel and because of this, their insurance rates are much higher. Parents adding a inexperienced driver to your insurance policy can cause a big jump in price. Older, more experienced drivers are more cautious drivers, cause fewer claims and accidents and get fewer tickets.
• Only buy coverage you need – There are a ton of extra bells and whistles that can waste your money on your insurance policy. Insurance for things like personal injury protection, accident forgiveness, and additional equipment coverage may be wasting your money. The coverages may be enticing when buying your policy, but if you don’t need them get rid of them and save.

Special considerations

When choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you could use an agent’s help.

• Is borrowed equipment or tools covered if stolen or damaged?
• Can I rent a car in Mexico?
• Do I have coverage if my license is suspended?
• Am I covered if hit by an uninsured driver?
• Do I need replacement cost coverage?
• Do I need rental car coverage?
• Do I have any recourse if my insurance company denies a claim?
• Are rock chip repairs covered?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Are my friends covered when driving my car?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Don’t be fooled by advertising claims

Drivers can’t get away from all the ads for the lowest price car insurance by companies like State Farm and Allstate. They all seem to state the claim that people will save just by moving to them.

How is it possible that every company can charge less that you’re paying now? It’s all in the words they use.

All companies require specific criteria for the type of customer that will not have excessive claims. For example, a desirable risk could possibly be between the ages of 30 and 50, owns their home, and has excellent credit. A customer who fits those characteristics will probably get the lowest prices and therefore will cut their rates if they switch.

Drivers who cannot meet those standards will have to pay a higher rate and the customer buying from a different company. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save that much money. That is how companies can lure you into getting a quote. Each company has different criteria, so it’s extremely important to get insurance quotes from several different companies. It is impossible to predict with any certainty which company will have the lowest rates.

Specific coverages for a Lincoln MKS

Learning about specific coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, fire damage and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like rehabilitation expenses, dental work and nursing services. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, hitting a mailbox, hitting a parking meter and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln MKS.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability

This provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like funeral expenses, emergency aid, court costs, loss of income and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Don’t throw your cash in the trash

When shopping online for auto insurance, make sure you don’t skimp on coverage in order to save money. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.

Insureds switch companies for any number of reasons including poor customer service, questionable increases in premium, extreme rates for teen drivers or even high rates after DUI convictions. Regardless of your reason, switching companies can be easier than you think.

There are still a few companies who may not have online price quotes and many times these regional carriers work with independent agents. Low-cost 2016 Lincoln MKS insurance can be found both online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis.

Additional information is located at the links below

• Prom Night Tips for Teen Drivers (State Farm)
• Red Light Cameras (State Farm)
• Get the Right Protection (InsureUonline.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)