2016 Lincoln MKZ Car Insurance Quotes

Finding low-cost insurance for a Lincoln MKZ can normally be difficult, but you can use the following methods and make it easy. There is a better way to shop for auto insurance and we’ll show you the absolute fastest way to compare rates on a Lincoln and obtain the cheapest rates from local insurance agents and online providers.

Buying car insurance is easy if you know what you’re doing. If you have a current insurance coverage policy or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. Vehicle owners only need to know how to shop for insurance coverage online.

Buy car insurance online

Getting a cheaper price on 2016 Lincoln MKZ insurance is a great way to save money. All that’s required is to spend a few minutes on the computer getting comparison quotes to find out which insurance company has cheaper insurance quotes. This can be accomplished using one of these methods.

One of the fastest ways consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do a different quote for every company. One form gets insurance cost estimates from many national carriers. It’s definitely the quickest method.

A slightly less efficient method to find lower rates consists of going to each company website and complete a new quote form. For example, we’ll assume you want comparison quotes from Nationwide, Esurance and Allstate. To get rate quotes you would need to spend time on each company’s site and type in your information over and over, which can be really labor intensive.

For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but do your best to use equivalent coverage limits on every price quote you get. If you enter different limits and deductibles on each one it will be very difficult to find the best deal for your Lincoln MKZ.

Get affordable insurance coverage with discounts

Companies that sell car insurance don’t list all possible discounts very well, so we researched some of the best known and the more hidden insurance coverage savings.

  • Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Low Mileage – Fewer annual miles on your Lincoln may enable drivers to earn lower premium rates due to less chance of an accident.
  • Early Switch Discount – Some insurance coverage companies give discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
  • Drivers Ed for Students – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Paper-free Discount – Many companies provide a small discount for buying a policy and signing up on your computer.

Policy discounts save money, but most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.

Popular insurance coverage companies and their offered discounts are shown below.

  • American Family may have discounts that include multi-vehicle, bundled insurance, mySafetyValet, air bags, and defensive driver.
  • Nationwide includes discounts for multi-policy, business or organization, anti-theft, Farm Bureau membership, easy pay, and family plan.
  • MetLife discounts include claim-free, good student, defensive driver, good driver, accident-free, multi-policy
  • 21st Century may include discounts for early bird, 55 and older, theft prevention, driver training, student driver, teen driver, and air bags.
  • Farmers Insurance has discounts for early shopping, alternative fuel, homeowner, business and professional, good student, teen driver, and bundle discounts.
  • Allstate offers premium reductions for premier discount, premier plus, early signing, safe driver, resident student, eSmart discount, and EZ pay plan discount.

If you want affordable insurance quotes, ask every insurance company how many discounts you can get. Depending on the company, some discounts may not be offered in your state.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

  • Is my Lincoln MKZ covered if I use it for business?
  • What is covered by UM/UIM coverage?
  • Who is covered when they drive my 2016 Lincoln MKZ?
  • Why am I required to buy high-risk coverage?
  • Does coverage extend to my business vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Do I benefit by insuring my home with the same company?
  • How do I file an SR-22 for a DUI in my state?
  • Does insurance cover damages from a DUI accident?
  • How do I buy GAP insurance?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Car insurance 101

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, hitting a deer, vandalism, falling objects and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

Liability coverage can cover injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims like court costs, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as X-ray expenses, doctor visits, chiropractic care, surgery and EMT expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Lincoln MKZ.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

This will pay to fix damage to your MKZ resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, rolling your car, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Do the work, save more money

In this article, we covered a lot of information how to save on 2016 Lincoln MKZ insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding the cheapest insurance. You may even find the best rates are with some of the smallest insurance companies.

As you quote insurance, never sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The aim is to buy the best coverage you can find at the best price and still be able to protect your assets.

Drivers leave their current company for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, denial of a claim and high rates after DUI convictions. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.

Much more information about insurance is located below:

Comments About 2016 Lincoln MKZ Insurance

  1. Esperanza Dickson

    I found pretty cheap rate quotes for a 2016 Lincoln MKZ in Cleveland, Ohio. Ended up at about $130 every six months with AAA.

  2. Nena Gill

    I’m from New Orleans, LA. Quoted with Safeco, Encompass, 21st Century, and AIG Insurance for my MKZ and I’m now saving $63 a month. Left Mercury to switch. You can get a rate quote online.

  3. Oscar Wheeler

    If you’re a decent driver and live in the vicinity of Fairbanks, Alaska, check out State Farm. You might save some money. Insured with GMAC before. Have an at-fault accident tho. Can still barely afford it.

  4. Fredericka Santiago

    Will Allstate insure with a DUI in North Charleston, SC?

  5. Barabara Tate

    I found pretty cheap rate quotes for a 2016 Lincoln MKZ in Memphis, TN. Ended up at about $250 every six months with Auto-Owners. Was with American Family. :P

  6. Etta Lewis

    Does Allstate settle claims fairly?

  7. Georgie Taylor

    Lots of useful info here. I live just outside Greensboro, NC. Received quotes from AAA, Sentry, and some smaller one I can’t remember the name of for my Lincoln and saved just over $100 a year.

  8. Ouida Gonzales

    Nice post. Quoted with Hartford for my 2016 Lincoln MKZ and cut my rates about $380 a year. Insured with Safeco before.

  9. Bess Sparks

    From south side of Chicago, IL. Not sure of all the companies but I ended up saving about $40 each month. Left Allstate to switch. Moved home policy as well. Just go online and compare their rates.

  10. Lanie Reed

    I’m looking for cheaper coverage. From Norfolk, Virginia. Can’t remember who all I quoted but I ended up saving about $30 each month. Insured with Hartford before. You can get a rate quote online.