2013 Lincoln MKS Insurance Quotes in 2024 – 9 Tips to Save

Do you get exhausted from sacrificing to pay high car insurance rates every month? You’re in the same situation as most other consumers. Insurance companies such as State Farm and GEICO constantly bombard you with fancy advertisements and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.

It’s a good habit to price shop coverage quite often because car insurance rates trend upward over time. Despite the fact that you may have had the lowest premium rates on MKS insurance last year you may be paying too much now. Ignore everything you know about car insurance because we’re going to show you the tricks you need to know to properly buy coverages and cut your premium.

How to get free car insurance quotes online

There are a lot of ways to shop for car insurance, but one way is more efficient than others. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can utilize online quoting to get pricing more quickly.

Many popular insurance companies participate in an industry program where prospective buyers enter their policy data once, and every company provides a quote based on that data. This system prevents you from having to do repetitive form submissions for every car insurance company.

To fill out one form to compare multiple rates now enter your zip code here.

The one disadvantage to using this type of system is you can’t choose which companies you will receive quotes from. If you wish to select specific providers for rate comparison, we put together a list of low cost car insurance companies in your area. Click to enter zip code.

Compare rates however you want, just double check that you are using exactly the same coverage data for each comparison quote. If each company quotes different values for each quote it will be impossible to find the best deal for your Lincoln MKS.

Don’t miss these nine discounts

Car insurance can cost a lot, but you may qualify for discounts to help offset the cost. Many discounts should be triggered when you complete an application, but less common discounts must be requested specifically in order for you to get them. If you’re not getting every credit available, you are throwing money away.

• Good Student – This discount may save you up to 25%. The good student discount can last up to age 25.
• No Accidents – Good drivers with no accidents can earn big discounts in comparison to drivers who are more careless.
• Air Bag Discount – Cars that have air bags may earn rate discounts of up to 25% or more.
• Defensive Driver Discounts – Taking part in a course teaching safe driver skills is a good idea and can lower rates and easily recoup the cost of the course.
• Drive Less and Save – Fewer annual miles on your Lincoln may allow you to get substantially lower prices.
• Theft Deterrent Discount – Cars with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Save over 55 – Seniors could receive a discount up to 10% on MKS insurance.
• Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could save 15% off the PIP or medical payment premium.
• Discount for New Cars – Insuring a new car can be considerably cheaper since newer models are generally safer.

As a sidenote, some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you can get free auto insurance, you won’t be that lucky.

To find insurers with discount car insurance rates, enter your zip code here.

Special considerations

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

• Does my insurance cover a custom paint job?
• Can I get a multi-policy discount?
• Do I need PIP coverage since I have good health insurance?
• Is my 2013 Lincoln MKS covered for flood damage?
• When should my teen driver be added to my policy?
• What is the minimum liability in my state?
• Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and you can get the answers you need.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, court costs, funeral expenses, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as chiropractic care, surgery and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a bird, damage from a tornado or hurricane, a broken windshield and hitting a deer. The maximum payout 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 collisions

This pays for damage to your MKS resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.