2015 Lincoln MKZ Insurance Rates

Want better insurance rates for your Lincoln MKZ? Buying the most affordable insurance on the web may be somewhat difficult for consumers new to shopping for insurance online. With so many online companies available, how can drivers effectively compare the different rates to find the lowest price?

Choosing the best insurance company for you is easy if you know what you’re doing. Essentially everyone who carries car insurance will most likely be able to save money. Although consumers need to have an understanding of the way companies determine prices.

Insurance Coverage Comparison Rates

There are several ways to get quotes from local insurance coverage companies. The recommended way to find the cheapest 2015 Lincoln MKZ insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in a couple of different ways.

The recommended way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form prevents you from having to do separate quotes for every insurance coverage company. Completing one form will return price quotes instantly. It’s definitely the quickest method.

A less efficient way to find lower rates consists of going to the website of each company to complete a price quote. For example, let’s say you want to compare USAA, Liberty Mutual and Farmers. You would have to take the time to go to each site and enter your information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

Whichever method you choose, ensure you’re using apples-to-apples coverage limits with each company. If the quotes have different values for each quote you can’t possibly determine the lowest rate for your Lincoln MKZ. Slightly different insurance coverages may result in large price differences. Just remember that obtaining a wide range of quotes will enable you to find the best price.

Discounts are great for lower rates

Companies don’t list every discount very clearly, so we researched some of the more common as well as the least known savings tricks you should be using.

• Low Mileage – Keeping the miles down on your Lincoln could qualify for a substantially lower rate.
• Club Memberships – Belonging to certain professional organizations may earn a discount on car insurance for MKZ insurance.
• Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear prior to the accident.
• Own a Home – Owning a home can help you save on car insurance because maintaining a house requires personal responsibility.
• Good Student – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
• Multi-policy Discount – If you have multiple policies with the same company you may save up to 20% off your total premium.
• Student in College – Children who live away from home without a vehicle on campus may qualify for this discount.
• Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts up to 30%.
• Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.

Keep in mind that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of companies offering car insurance discounts, click here to view.

You may need specialized coverage

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

• Do I have coverage when pulling a U-Haul trailer?
• Where can I get insurance after a DUI in my state?
• Is my nanny covered when driving my vehicle?
• When would I need additional glass coverage?
• Should I buy more coverage than the required minimum liability coverage?
• Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.

Insurance specifics

Understanding the coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Auto liability insurance – Liability insurance can cover damage that occurs to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like medical expenses, medical services, loss of income, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, crashing into a building, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverages – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, fire damage, hitting a bird, falling objects and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Lincoln MKZ.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like chiropractic care, pain medications, doctor visits, nursing services and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay