Cheap 1996 Lincoln Mark VIII Car Insurance Rates

Trying to find low-cost insurance for a Lincoln Mark VIII can turn out to be an all-consuming task, but you can use our auto insurance buying tips and make it easy.

There is a better way to find auto insurance online and you need to know the absolute fastest way to compare rates for your Lincoln and get the cheapest rates from local insurance agents and online providers.

Consumers need to shop coverage around yearly because insurance rates tend to go up over time. Despite the fact that you may have had the lowest price for Mark VIII insurance six months ago a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to find out the things you must know in order to find great coverage at a great price.

Locating affordable auto insurance coverage is not that difficult. If you are insured now or are just looking to switch companies, you will benefit by learning to find the best rates and possibly find even better coverage. Consumers just need to know the most efficient way to shop for auto insurance online.

How to Compare Car Insurance Costs

Shopping for lower car insurance rates can take hours if you don’t utilize the most efficient way to do it. You can waste hours discussing policy coverages with agents in your area, or you could use online quotes to get prices fast.

Many popular insurance companies belong to an insurance system where prospective buyers submit their information once, and each participating company provides a quote based on that information. This eliminates the need for quote requests to each company.

To participate in this free quote system, click here (opens in new window).

The single downside to comparing rates this way is you cannot specify which carriers to receive prices from. So if you prefer to choose specific insurance companies to compare, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare the exact same information on every quote. If your comparisons have different limits and deductibles on each one you will not be able to determine the lowest rate for your Lincoln Mark VIII.

Are you getting all your discounts?

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. Most are applied at the time of purchase, but a few need to be specifically requested before you get the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Passive Restraint Discount – Vehicles with factory air bags may earn rate discounts of more than 20%.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • E-sign – A few companies may give you up to $50 simply for signing online.
  • Save over 55 – Older drivers may qualify for a small decrease in premiums for Mark VIII insurance.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • No Claims – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, you’re out of luck. But all discounts will reduce your overall premium however.

Companies that may offer these benefits include:

Check with each company which discounts you may be entitled to. All car insurance discounts may not be available in every state.

Lincoln Mark VIII rates are complex

Consumers need to have an understanding of the different types of things that help determine the rates you pay for insurance coverage. Understanding what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

  • What are your deductibles? – Physical damage deductibles define the amount you are required to spend if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered would be running into the backend of another car, damage caused by hail, or theft. The higher the amount the insured has to pay upfront, the less your insurance coverage will be for Mark VIII insurance.
  • Your location is important – Living in less populated areas is a positive aspect when it comes to insurance coverage. Fewer people means a lower chance of having an accident and a lower car theft rate. Urban drivers have to deal with more traffic problems and a longer drive to work. More time on the road means more change of being in an accident.
  • Save money with special equipment – Driving a car with an alarm system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Lincoln earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Sex matters – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women tend to get into accidents in similar numbers, but men have costlier accidents. Men also get cited for more serious violations such as reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
  • Better credit means lower rates – A driver’s credit rating is a large factor in calculating your insurance coverage rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit. Therefore, if your credit can use some improvement, you could be paying less to insure your 1996 Lincoln Mark VIII by repairing your credit.

When might I need an agent?

When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions may help you determine whether or not you might need professional guidance.

  • How high should deductibles be on a 1996 Lincoln Mark VIII?
  • Is my teenager covered with friends in the car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is a fancy paint job covered?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • What is PIP insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Can you really save that much by switching?

Drivers can’t get away from ads for cheaper car insurance by Allstate, GEICO and Progressive. All the ads make the same claim about savings if you move to their company.

How can each company say the same thing?

Different companies can use profiling for the driver that makes them money. A good example of a desirable insured might be between the ages of 30 and 50, a clean driving record, and has a high credit rating. Any new insured who matches those parameters will get very good rates and most likely will cut their rates substantially.

Potential insureds who don’t measure up to the “perfect” profile must pay more money and ends up with the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully make the claims of big savings.

This illustrates why you should get as many quotes as possible. You cannot predict the company that will have the lowest Lincoln Mark VIII insurance rates.

Coverage specifics

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Lincoln Mark VIII.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverages

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

Comprehensive can pay for things such as hitting a deer, hail damage and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like chiropractic care, EMT expenses, ambulance fees and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays for damage to your Mark VIII resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.


Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as bail bonds, emergency aid, structural damage, court costs and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Final thoughts

People leave their current company for any number of reasons including high prices, an unsatisfactory settlement offer, extreme rates for teen drivers and even lack of trust in their agent. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.

In this article, we presented quite a bit of information on how to reduce 1996 Lincoln Mark VIII insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the best prices are with a small local company.

Cost effective insurance can be found on the web in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

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