Save on 2013 Lincoln MKZ Insurance Quotes

Having to pay for overpriced Lincoln MKZ insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with fancy advertisements and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

You should make it a habit to take a look at other company’s rates yearly due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the best deal on MKZ coverage last year other companies may now be cheaper. Starting right now, forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the quickest way to reduce your cost while increasing coverage.

Why your Lincoln MKZ might be costing you more

Consumers need to have an understanding of the different types of things that help determine your car insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to big savings.

The following are some of the factors used by your company to calculate prices.

  • Equipment add-ons that lower car insurance rates – Owning a car with an alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Your location affects your rates – Residing in small towns and rural areas is a positive aspect when it comes to car insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Fewer drivers means reduced accidents.
  • High numbers of claims are not good – If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance companies give lower rates to policyholders who do not file claims often. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Battle of the sexes – Statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. Both sexes tend to get into accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Pleasure use saves money – Driving more miles each year the more you’ll pay to insure your vehicle. Most companies rate vehicles determined by how the vehicle is used. Autos that are left in the garage can get a lower rate than those used for commuting. Verify your car insurance coverage is showing the proper vehicle usage, because it can save money. Incorrect usage on your MKZ may be wasting your money.
  • Do you know you’re credit rating? – Credit score is a big factor in calculating your car insurance rates. Therefore, if your credit history is lower than you’d like, you could potentially save money when insuring your 2013 Lincoln MKZ by improving your credit score. Consumers who have good credit tend to be less risk to insure than those with poor credit.
  • Discounts for multiple policies – Some companies give discounts to customers who carry more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to shop around to make sure you are getting the best deal.

Take advantage of discounts

Companies don’t always publicize every available discount in a way that’s easy to find, so we took the time to find both well-publicized and also the lesser-known ways to save on car insurance.

  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Low Mileage Discounts – Keeping the miles down on your Lincoln can qualify you for a substantially lower rate.
  • Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Bundle and Save – If you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Defensive Driving Course – Completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on MKZ coverage with a few car insurance companies.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that may offer these benefits include:

Double check with every prospective company which discounts you may be entitled to. Discounts might not apply everywhere.

The insurance bait and switch

Insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to make an identical promise of big savings after switching your coverage to them. How do they all claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the right customer that earns them a profit. For example, a profitable customer could possibly be a mature driver, insures multiple vehicles, and has a short commute. Any driver who meets those qualifications gets the lowest rates and as a result will probably save a lot of money.

Potential insureds who do not match this ideal profile will be quoted a higher premium and ends up with business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save that much money. That’s why insurance companies can confidently make the claims of big savings. This emphasizes why you absolutely need to get as many quotes as possible. It’s just too difficult to predict which insurance company will fit your personal profile best.

How to know if you need help

When it comes to choosing coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can aid in determining if you may require specific advice.

  • Am I missing any policy discounts?
  • Should I have combined single limit or split liability limits?
  • Does coverage extend to a rental car in a foreign country?
  • What is no-fault insurance?
  • Do I have newly-aquired coverage?
  • What is the ISO rating for a 2013 Lincoln MKZ?
  • Does coverage extend to my business vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Information about specific coverages

Understanding the coverages of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses such as dental work, EMT expenses, prosthetic devices and pain medications. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Auto liability insurance – Liability insurance will cover damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like bail bonds, emergency aid, attorney fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage – This coverage covers damage to your MKZ caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, colliding with a tree, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Lincoln MKZ.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive auto insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, hail damage and vandalism. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Saving money makes a lot of cents

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the best price while not skimping on critical coverages.

Lower-priced 2013 Lincoln MKZ insurance can be found both online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer online quoting and these small, regional companies work with independent agents.

Throughout this article, we presented some good ideas how you can reduce insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

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