Lower Your 2014 Lincoln MKZ Insurance Cost

No one in their right mind looks forward to paying for insurance coverage, especially knowing they are paying too much. Multiple auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate possible.

It’s a great practice to take a look at other company’s rates every six months since insurance rates tend to go up over time. Even if you got the best deal on MKZ insurance two years ago you may be paying too much now. There is a lot of bad information regarding insurance coverage online, so I’m going to show you a bunch of ideas how to buy insurance coverage cheaper.

If you have a current insurance coverage policy or need a new policy, you can follow these tips to find the best rates and possibly find even better coverage. Buying car insurance is not that difficult. Drivers just need to understand the most effective way to compare rates over the internet.

The quickest method we recommend to get rate comparisons takes advantage of the fact most insurance companies have advanced systems to give you rate quotes. To start a quote, the only thing you need to do is provide information such as if it has an alarm system, whether your vehicle is owned or leased, your credit rating estimate, and whether or not you need a SR-22. The rating information gets transmitted to many different companies and they provide comparison quotes quickly.

Save $381 a year? Really?

Drivers can’t ignore all the ads for car insurance savings from companies such as Progressive, Allstate and GEICO. They all make the same claim of big savings if you switch your policy.

But how can every company say the same thing?

Different companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a driver they prefer could be a mature driver, has no driving citations, and has excellent credit. A customer who matches those parameters will get the preferred rates and most likely will cut their rates substantially.

Potential customers who are not a match for the “perfect” profile will be charged higher rates which leads to business not being written. The ads say “customers who switch” not “everybody who quotes” save money. This is how companies can truthfully advertise the savings. That is why you need to quote coverage with many companies. It’s not possible to predict which company will have the lowest Lincoln MKZ insurance rates.

Don’t miss these discounts

Companies don’t always advertise every discount in an easy-to-find place, so we break down some of the more common and the harder-to-find auto insurance savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on MKZ insurance with a few auto insurance companies.
  • Homeowners Savings – Owning a house may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts up to 30%.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Lincoln can qualify you for lower rates on the low mileage vehicles.
  • New Car Discount – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies who might offer some of the above discounts include:

Before buying, ask each company how you can save money. All car insurance discounts might not apply in every state.

When might I need help?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help you determine if your situation might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • Why am I required to get a high-risk car insurance policy?
  • Will filing a claim cost me more?
  • Is motorclub coverage worth it?
  • Is my babysitter covered when using my vehicle?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

The coverage is in the details

Understanding the coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like ambulance fees, prosthetic devices, pain medications, hospital visits and dental work. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

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

Collision coverage pays for claims such as sustaining damage from a pot hole, rolling your car, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Lincoln MKZ.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, damage from a tornado or hurricane, hitting a deer, theft and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance – Liability insurance protects you from damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people, and doesn’t cover 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 means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things such as funeral expenses, legal defense fees, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

More quotes. Lower rates.

Cheap 2014 Lincoln MKZ insurance is definitely available on the web as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. Too many times, someone sacrificed full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at the best price.

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