Compare 2014 Lincoln MKS Insurance Cost in 2024

Searching for lower auto insurance rates for your Lincoln MKS? Are you a victim of high-priced auto insurance? Trust us, there are lots of people in the same boat. Numerous insurance companies battle for your insurance dollar, so it’s not easy to compare every provider to discover the definitive lowest rate possible.

Buy Lincoln MKS insurance at a discount

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that are used to determine the level of your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that will entitle you to lower rates. Lots of factors are used when quoting car insurance. Some of the criteria are obvious like an MVR report, but others are not as apparent like your continuous coverage or how safe your car is.

• Where you reside is a factor – Being located in areas with lower population has definite advantages when shopping for auto insurance. Less people means fewer accidents and also fewer theft and vandalism claims. City drivers tend to have more auto accidents and longer commute times. More time commuting means a statistically higher chance of an accident.
• Older drivers pay less – Teenage drivers are proven to be less responsible when at the wheel of a vehicle therefore auto insurance rates are much higher. Having to add a first-time driver onto your auto insurance will cause a huge premium hike. More experienced drivers are more cautious drivers, cost insurance companies less in claims , and usually have better credit.
• Prevent theft and save – Choosing to buy a car with advanced anti-theft systems can help bring down rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.
• Never allow your policy to lapse – Driving any period of time without insurance is not a good idea and any future policy may cost more because you let your insurance coverage expire. Not only will rates go up, failure to provide proof of insurance could result in a revoked license or a big fine.
• Single vs. married – Being married can get you a discount on your auto insurance policy. Having a significant other is viewed as being more mature and statistics show being married results in fewer claims.
• Tickets and citations cost more than a fine – Even a single ticket could increase your next policy renewal substantially. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Drivers who have gotten severe violations like DUI or willful reckless driving may find they need to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.
• Discounts for auto and home policies – Many insurers apply better rates to people that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount drivers will still want to check prices from other companies to ensure the best deal.
• Gender as a rate factor – Over the last 30 years, statistics show that females tend to be a little less risky than males. The data does not necessarily mean that women are better drivers. Females and males cause accidents at about the same rate, but males get into accidents with more damage. In addition to higher claims, males also receive more major tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and thus pay the highest rates.

Discounts to earn lower-cost car insurance rates

Insuring your fleet can be pricey, but you might already qualify for some discounts that can help lower your rates. A few discounts will automatically apply when you complete an application, but some may not be applied and must be asked for prior to receiving the credit. If you check and find you aren’t receiving every discount available, you could be paying more than you need to.

• Low Mileage Discounts – Maintaining low annual mileage may allow you to get slightly better rates than normal.
• Accident-Free Discounts – Drivers with accident-free driving histories can earn big discounts compared to policyholders that have many claims.
• Defensive Driver Discounts – Taking a safe driver course could cut 5% off your bill and also improve your driving technique.
• Senior Citizen Discount – If you qualify as a senior citizen, you may qualify for a small discount on rates for MKS insurance.
• Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for MKS insurance depending on your car insurance provider.
• More Vehicles More Savings – Buying a policy with multiple vehicles on a single policy can reduce the rates for all insured vehicles.
• Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts could cut 10% or more off the PIP or medical payment premium.
• Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
• Military Deployment Discount – Having a family member in the military could trigger a small discount.
• Good Grades Discount – This discount may save as much as 25% on a insurance quote. Many companies even apply the discount to college students well after school through age 25.

As a sidenote, most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will help lower your policy cost.

A list of companies and their offered discounts are shown below.

• AAA includes discounts for AAA membership discount, multi-car, anti-theft, multi-policy, good driver, good student, and education and occupation.
• Progressive has discounts for homeowner, multi-policy, online quote discount, continuous coverage, online signing, and good student.
• State Farm may have discounts that include defensive driving training, passive restraint, Drive Safe & Save, multiple policy, safe vehicle, good driver, and anti-theft.
• Esurance may offer discounts for online quote, safety device, online shopper, paid-in-full, good driver, good student, and Pac-12 alumni.
• Nationwide offers discounts including multi-policy, defensive driving, accident-free, family plan, Farm Bureau membership, good student, and easy pay.

If you need cheaper insurance quotes, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in your area. To see a list of insurance companies that offer the discounts shown above, enter your zip code here.

Save $435 a year. For real?

Drivers can’t avoid all the ads for the lowest price insurance coverage from companies such as State Farm, Allstate and GEICO. They all tend to make the same promise that you’ll save big if you change your policy.

How is it plausible that every one can charge lower premium rates?

All companies require specific criteria for the type of driver that earns them the highest profit. For example, this type of insured might have to be over the age of 40, has never had a policy lapse, and drives a vehicle with a low ISO rating. Anybody who matches that profile will probably get the lowest prices and as a result will probably save a lot of money.

Drivers who do not meet this stringent profile may be forced to pay higher premiums which translates to business going elsewhere. If you listen to the ad wording, they say “customers who switch” not “all people who quote” save that much when switching. That’s the way insurance companies can confidently claim big savings. This really drives home the point why it’s extremely important to quote coverage with many companies. It is impossible to predict the company that will provide the lowest rates.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

• Am I covered when delivering products for my home-based business?
• How does medical payments coverage work?
• What is PIP insurance?
• When would I need rental car insurance?
• Can I still get insurance after a DUI?
• Am I covered if I break a side mirror?
• How high should deductibles be on a 2014 Lincoln MKS?
• Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, free and can help protect your family.

Insurance coverage breakdown

Understanding the coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for pain medications, rehabilitation expenses and doctor visits. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability insurance

This will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage protects against things like structural damage, bail bonds, loss of income, funeral expenses and medical expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hitting a bird and hail damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your MKS resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Lincoln MKS.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Quote often and quote early

In this article, we covered a lot of information how to get a better price on 2014 Lincoln MKS insurance. The most important thing to understand is the more times you quote, the higher your chance of finding low cost insurance. Drivers may discover the biggest savings come from a smaller regional carrier. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

Cheaper 2014 Lincoln MKS insurance is attainable from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not offer rate quotes online and most of the time these regional carriers sell through local independent agents.