Save on 2017 Lincoln MKC Car Insurance Rates

Finding more affordable insurance could be very difficult for beginners to online price comparisons. Drivers have so many choices that it can quickly become a big hassle to find the lowest price.

It’s a great practice to get comparison quotes before your policy renews because prices are adjusted regularly by insurance companies. Even if you got the lowest rates on MKC coverage at your last renewal a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance because you’re about to learn how to use the internet to find great coverage at a great price.

This information will let you in on how to get online quotes and some money-saving tips. If you have car insurance now, you will be able to reduce your rates substantially using this information. Nevertheless, vehicle owners must understand how the larger insurance companies market on the web and apply this information to your search.

Cheapest car insurance price quotes

All major car insurance companies such as Allstate and Progressive give coverage price quotes online. Doing online price comparisons doesn’t take much effort as you simply enter your coverage information as detailed in the form. When complete, the quote system sends out for credit information and your driving record and returns pricing information based on the data you entered.

Online quotes simplifies rate comparisons, but the time it takes to visit a lot of sites and type in the same information can be a bit repetitive. But it’s also necessary to compare as many rates as possible in order to find the lowest price.

A quicker way to compare rates uses just one form that obtains quotes from a bunch of companies at once. It saves time, requires less work, and makes quoting online much more enjoyable. Immediately after submitting the form, it gets priced and you can choose your choice of the price quotes you receive.

If you find a better price you can click and sign and buy the new coverage. The entire process only takes a few minutes and you’ll know if lower rates are available.

If you want to find out how much you’re overpaying now, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you type in the coverage information identical to your current policy. Doing this assures you will be getting comparison quotes using the exact same coverages.

Advertising and insurance

Big name companies like Allstate and Progressive seem to constantly run ads on TV and radio. They all seem to make the promise that you can save if you switch your coverage to them. But how can every company claim to save you money? Just pay attention to how they say it.

Insurance companies can use profiling for a prospective insured that makes them money. For example, a preferred risk may be over the age of 35, carries full coverage, and drives less than 10,000 miles a year. Any person that matches those criteria will qualify for the lowest premium rates and will probably save if they switch.

Consumers who do not fit the ideal profile may receive a higher premium and this results in the customer buying from a different company. If you pay close attention to the ads, they say “people who switch” not “everybody who quotes” save that much. This is how companies can truthfully make the claims of big savings.

This really drives home the point why you really should get a wide range of price quotes. Because you never know which company will have the best prices.

Get cheaper insurance prices by understanding these factors

Many factors are used when pricing auto insurance. Some are pretty understandable like your driving record, but some are less obvious such as your credit history or your financial responsibility.

The itemized list below are just a few of the factors used by companies to determine your rates.

• Save money by having responsible credit – Having a bad credit score can be an important factor in your rate calculation. People that have high credit scores tend to file fewer claims and have better driving records than drivers with bad credit. If your credit score is low, you could save money insuring your 2017 Lincoln MKC by improving your credit score.
• Lower rates for married couples – Having a significant other can get you a discount on your auto insurance bill. Marriage translates into being more financially stable and it’s proven that being married results in fewer claims.
• Avoid auto insurance policy lapses – Driving without insurance coverage in place is not a good idea and as a result your rates will increase for letting your insurance expire. Not only will you pay higher rates, getting caught without coverage could earn you a revoked license or a big fine.
• Don’t cut corners with liability coverage – Liability insurance is the coverage that protects you if a court rules you are at fault for damages from an accident. Liability insurance provides you with a defense in court starting from day one. It is affordable coverage when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
• Vocation can influence prices – Jobs such as judgespolice officers and dentists generally pay higher rates than the rest of us attributed to intense work requirements and lengthy work days. Conversely, occupations such as scientists, engineers and the unemployed have lower than average premiums on MKC coverage.
• Careless drivers pay higher rates – Having a clean driving record has a huge affect on how much you pay. Even one chargable violation can increase the cost of insurance forty percent or more. Drivers who don’t get tickets have lower premiums as compared to careless drivers. Drivers who have careless tickets like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent their license from being revoked.

Auto insurance companies offer lots of discounts

Some providers do not list every disount available very clearly, so the below list has some of the best known and the more hidden auto insurance savings.

• ABS Brakes – Vehicles with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
• Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with the same company can reduce the rates for all insured vehicles.
• Distant Student – who are attending college and don’t have a car may be insured at a cheaper rate.
• Savings for New Vehicles – Buying a new car instead of a used car can be considerably cheaper compared to insuring an older model.
• Driving Data Discount – Drivers who agree to allow their auto insurance company to analyze driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as the data is positive.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance too.
• Claim Free – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.

Keep in mind that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think it’s possible to get free car insurance, you won’t be that lucky.

Popular auto insurance companies and some of their more popular discounts are shown below.

• State Farm offers premium reductions for good student, Drive Safe & Save, student away at school, accident-free, and defensive driving training.
• Geico discounts include daytime running lights, defensive driver, multi-policy, driver training, anti-theft, and multi-vehicle.
• Progressive policyholders can earn discounts including continuous coverage, homeowner, multi-vehicle, online signing, multi-policy, and good student.
• 21st Century may have discounts that include theft prevention, defensive driver, air bags, 55 and older, good student, and teen driver.
• American Family includes discounts for bundled insurance, defensive driver, accident-free, multi-vehicle, TimeAway discount, mySafetyValet, and good student.
• The Hartford has discounts for vehicle fuel type, anti-theft, good student, driver training, air bag, defensive driver, and bundle.
• AAA has savings for education and occupation, good student, multi-policy, AAA membership discount, pay-in-full, and good driver.

It’s a good idea to ask each company the best way to save money. All car insurance discounts may not apply in your area. To see a list of insurers who offer cheap auto insurance quotes, click this link.

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

• Are there companies who specialize in insuring high-risk drivers?
• Is my dog or cat covered if injured in an accident?
• What is the difference between comprehensive and collision coverage?
• I have a DUI can I still get coverage?
• Is my teenager covered with friends in the car?
• Am I covered by my spouse’s policy after a separation?
• Do I need higher collision deductibles?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Specifics of your insurance policy

Knowing the specifics of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, rehabilitation expenses, ambulance fees, doctor visits and nursing services. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Lincoln MKC.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these coverages are identical to your policy’s liability coverage.

Collision coverages – This coverage pays for damage to your MKC caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, damage from flooding and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability – This will cover damage or injury you incur to other’s property or people. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as medical services, emergency aid and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

A penny saved is a penny earned

Consumers change insurance companies for a variety of reasons including delays in responding to claim requests, not issuing a premium refund, high rates after DUI convictions or even denial of a claim. Regardless of your reason for switching companies, finding a new company is easier than you think.

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There have been many situations where an insured cut comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at the best price while still protecting your assets.

Some insurance companies may not provide internet price quotes and most of the time these regional carriers prefer to sell through independent insurance agents. Cheaper 2017 Lincoln MKC insurance can be bought on the web in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture.

Additional information is available at the links below

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)