2012 Lincoln MKS Car Insurance Quotes 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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There isn’t anyone who looks forward to paying premiums for car insurance, especially when they know the price is too high. You have so many insurance companies to choose from, and though it is a good thing to have multiple companies, it makes it harder to find a good deal.

Smart consumers take time to get comparison quotes as often as possible since insurance prices are adjusted regularly by insurance companies. Just because you found the best deal on MKS coverage last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to show you the best way to find better rates and still maintain coverage.

Learn how to lower your insurance prices

An important part of buying insurance is that you know a few of the rating criteria that are used to determine the rates you pay for insurance coverage. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to lower rates. Many things are taken into consideration when pricing auto insurance. Some factors are common sense such as your driving record, but other factors are less apparent like your continuous coverage or how safe your car is.

  • Rental and towing coverage may not be needed – There are many extra add-on coverages that you can buy on your insurance coverage policy. Coverage for things like replacement cost coverage, death and dismemberment, and additional equipment coverage may be costing you every month. These coverages may sound good initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Insurance companies don’t like frequent policy claims – If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Companies provide better rates to drivers who only file infrequent claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Rural areas have lower prices – Being located in less populated areas has definite advantages when insuring your vehicles. City drivers have to deal with more traffic problems and more time behind the wheel. Fewer drivers on the road means reduced accidents in addition to lower liability claims
  • Credit rating impacts premiums – A driver’s credit rating will be a significant factor in calculating your premium rate. Drivers who have very high credit ratings tend to be less risk to insure than those with lower credit ratings. So if your credit can be improved, you could potentially save money when insuring your 2012 Lincoln MKS if you improve your credit rating.
  • Never let your policy lapse – Driving your car without having proper coverage is a big no-no and insurance coverage companies will penalize you for letting your insurance coverage expire. And not only will your rates increase, the inability to provide proof of insurance may earn you a steep fine or even jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Why do you need liability? – Liability coverage will protect you if ever you are found to be at fault for damages from an accident. Your liability coverage provides legal defense coverage which can cost a lot. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Avoid tickets and save – Good drivers pay less for auto insurance compared to drivers with tickets. Even one speeding ticket or other violation can increase the cost of insurance substantially. Drivers who get dangerous citations like reckless driving or DUI may be required to maintain a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.

Save a ton by taking advantage of discounts

Some insurers don’t list all possible discounts very clearly, so the next list breaks down some of the best known in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online. If you are not receiving all the discounts available, you are throwing money away.

  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings as much as 30%.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Discount for Home Ownership – Just being a homeowner can help you save on insurance because owning a home is proof that your finances are in order.
  • Save with a New Car – Buying a new car instead of a used car can be considerably cheaper since newer vehicles have better safety ratings.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
  • Theft Deterrent System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a auto insurance quote.
  • Save over 55 – Drivers over the age of 55 may qualify for lower premium rates on MKS coverage.
  • Defensive Driver Discount – Taking a class that teaches safe driver techniques could save 5% or more if you qualify.
  • Drive Safe and Save – Accident-free drivers can pay as much as 50% less on MKS coverage than their less cautious counterparts.

Remember that many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like you could get a free insurance policy, you aren’t that lucky.

Popular insurance companies and their possible discounts can be found below.

  • Progressive has discounts for good student, homeowner, online signing, multi-policy, multi-vehicle, and online quote discount.
  • SAFECO may include discounts for safe driver, accident prevention training, homeowner, anti-lock brakes, teen safety rewards, drive less, and multi-car.
  • American Family offers premium reductions for good student, air bags, multi-vehicle, good driver, defensive driver, and mySafetyValet.
  • MetLife may offer discounts for claim-free, accident-free, defensive driver, good student, and multi-policy.
  • GEICO has savings for anti-theft, anti-lock brakes, military active duty, multi-vehicle, daytime running lights, and five-year accident-free.
  • The Hartford discounts include air bag, good student, vehicle fuel type, anti-theft, bundle, and driver training.

It’s a good idea to ask each insurance company the best way to save money. A few discounts may not be available in every state.

How much insurance coverage do I need?

When choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can aid in determining whether your personal situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • Can I drive in Mexico and have coverage?
  • What is medical payments coverage?
  • Do I need more liability coverage?
  • Am I covered when driving someone else’s vehicle?
  • Should I waive the damage coverage when renting a car?
  • Is my nanny covered when driving my vehicle?
  • Can I still get insurance after a DUI?
  • What is covered by UM/UIM coverage?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverage types available from car insurance companies.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses like EMT expenses, funeral costs and prosthetic devices. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Lincoln MKS.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.


This can cover damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability can pay for things like loss of income, repair costs for stationary objects, court costs and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, fire damage, damage from flooding and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Final considerations

We’ve covered some good ideas how you can save on 2012 Lincoln MKS insurance. The most important thing to understand is the more companies you get prices for, the better your comparison will be. Drivers may discover the lowest priced insurance comes from a smaller regional carrier. These companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and GEICO.

Some insurance companies may not offer price quotes online and these small, regional companies work with independent insurance agents. Discount 2012 Lincoln MKS insurance is possible online as well as from independent agents, and you need to price shop both to have the best selection.

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