2010 Lincoln MKS Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 8, 2024

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If you’re new to shopping for insurance coverage quotes online, you can be bewildered by the sheer number of insurance providers selling insurance.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. The purpose of this article is to help educate you on the best way to quote coverages and some tricks to saving. Nevertheless, vehicle owners do need to understand how the larger insurance companies market insurance on the web and apply this information to your search.

How to compare auto insurance rate quotes

There are multiple methods to compare auto insurance quotes, and some are more efficient than others. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could save time and use the web to accomplish the same thing much quicker.

Most major companies participate in an industry program that enables customers to enter their coverage request one time, and each company returns a competitive quote. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To enter your information into the quoting system, enter your zip code here.

One minor caveat to using this type of system is you can’t choose which insurance companies you want to price. If you would rather choose specific insurance companies to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. Click to enter zip code for insurance companies.

Whichever way you choose to compare rates, make darn sure you compare equivalent coverage limits with each company. If you use unequal deductibles or liability limits then you won’t be able to get a fair rate comparison. Just a small difference in limits may result in large price differences. Just keep in mind that making a lot of price comparisons will increase your chances of finding the best offered rates. Some smaller insurers to not give rate quotes online, so it’s important to also get price estimates from them, too.

You may qualify for discounts

Companies that sell car insurance don’t always publicize every discount very well, so here is a list some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance coverage online.

  • Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike if your claims history is clear prior to the accident.
  • Save with More Vehicles Insured – Buying coverage for multiple cars on one policy can get a discount on all vehicles.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts can save a little off the personal injury premium cost.
  • Telematics Devices – Insureds who allow companies to look at where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if their driving habits are good.
  • Low Miles Discount – Driving fewer miles could earn slightly better insurance rates than normal.
  • Driver’s Education for Students – Require your teen driver to complete a driver education course as it can save substantially.
  • Employee of Federal Government – Federal government employees could cut as much as 10% off for MKS insurance but check with your company.
  • ABS Brakes – Cars and trucks with anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
  • Defensive Driver – Successfully completing a class that teaches defensive driver techniques could cut 5% off your bill and easily recoup the cost of the course.
  • Distant College Student Discount – College-age children who are attending college and leave their car at home could get you a discount.

Keep in mind that most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it’s just not the way it works.

Larger insurance companies and their offered discounts can be read below.

  • Progressive offers discounts for continuous coverage, multi-vehicle, multi-policy, online quote discount, and homeowner.
  • SAFECO offers premium reductions for drive less, anti-theft, safe driver, teen safety rewards, multi-car, and accident prevention training.
  • American Family may offer discounts for early bird, air bags, TimeAway discount, good driver, defensive driver, and multi-vehicle.
  • MetLife includes discounts for claim-free, defensive driver, good student, good driver, accident-free, and multi-policy.
  • GEICO may include discounts for military active duty, anti-lock brakes, federal employee, multi-vehicle, membership and employees, seat belt use, and emergency military deployment.
  • The Hartford may have discounts that include anti-theft, driver training, air bag, defensive driver, bundle, vehicle fuel type, and good student.

Before buying, ask every insurance company which discounts can lower your rates. Discounts may not be offered in every state. To locate companies who offer free insurance quotes, enter your zip code here.

There’s no such thing as the perfect insurance policy

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I crash into my own garage door?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need rental car coverage?
  • What is UM/UIM insurance?
  • What companies insure drivers after a DUI or DWI?
  • Will my insurance pay for OEM parts?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete your zip code.

Five factors that determine insurance premiums

Many factors are considered when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but other criteria are more obscure like where you live or your commute time.

  • Being married can save on car insurance – Walking down the aisle may save some money on your car insurance policy. It may mean you are more mature and it’s proven that married couples file fewer claims.
  • Accidents are costly – Getting just one speeding ticket or other violation can increase the cost of insurance twenty percent or more. Good drivers get better prices than people who have multiple driving citations. Drivers who get careless violations such as reckless driving or DUI might be required by their state to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Where you live factors in – Having an address in less populated areas may provide you with better prices when buying car insurance. Fewer people translates into fewer accident claims as well as less vandalism and auto theft. People in densly populated areas have to deal with congested traffic and longer commute times. Higher commute times means more chance of being in an accident.
  • Pay less with a high IIHS safety rating – Safe vehicles cost less to insure. Vehicles engineered for safety reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If the Lincoln MKS scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Expect high rates for teens – More mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims and receive fewer citations. Inexperienced drivers are statistically shown to get distracted easily when at the wheel of a vehicle so they pay higher car insurance rates.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability

Liability coverage will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical services, pain and suffering, structural damage and funeral expenses. How much coverage you buy is your choice, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses like dental work, doctor visits, ambulance fees, EMT expenses and chiropractic care. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2010 Lincoln MKS.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Coverage for collisions

This pays for damage to your MKS resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, backing into a parked car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding and falling objects. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

One last thing about your coverage

Some insurance companies do not provide online quoting and most of the time these regional carriers only sell through independent insurance agents. Lower-priced 2010 Lincoln MKS insurance can be found from both online companies as well as from insurance agents, and you need to comparison shop both to get a complete price analysis.

You just learned some good ideas how you can lower your 2010 Lincoln MKS insurance auto insurance rates. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost insurance coverage. You may even find the lowest auto insurance rates are with the least-expected company.

Drivers switch companies for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, unfair underwriting practices and even denial of a claim. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

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