View 2014 Lincoln MKZ 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 22, 2024

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Trying to find cheaper auto insurance rates for your Lincoln MKZ? No sane person looks forward to buying auto insurance, especially knowing they could get a better deal.

Multiple auto insurance companies compete for your business, and it can be difficult to compare rates to find the absolute lowest price

It’s a good idea to take a look at other company’s rates before your policy renews since rates are adjusted regularly by insurance companies. Just because you had the lowest premium rates on MKZ insurance a year ago you may be paying too much now. Block out anything you think you know about auto insurance because it’s time to teach you the best methods to properly buy coverages and cut your premium.

Ways to get insurance coverage price quotes

There are a lot of ways to compare insurance coverage prices but some are easier and takes less work. You can spend countless hours driving to insurance companies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most of the larger companies participate in a marketplace where prospective buyers complete one form, and each company then gives them pricing. This prevents consumers from doing repetitive form submissions to each individual insurance coverage company. To submit your quote information now, enter your zip code here.

The only drawback to pricing coverage this way is you are unable to specify the insurers to get pricing from. So if you prefer to choose specific providers to receive pricing from, we have a listing of insurance coverage companies in your area. Click to enter zip code.

However you get your quotes, be certain you are entering nearly identical coverage information for each comparison quote. If your comparisons have different liability limits it will be next to impossible to make a fair rate comparison. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, comparing a wide range of rates helps increase your odds of locating lower pricing. Some smaller insurers to not give online quotes, so you need to compare quotes from them as well.

What determines Lincoln MKZ insurance premiums?

Many factors are taken into consideration when you get a price on insurance. Most are fairly basic like a motor vehicle report, but other criteria are more obscure like your continuous coverage or your financial responsibility. An important part of buying insurance is that you know some of the things that play a part in calculating the price you pay for car insurance. If you understand what determines premiums, this allows you to make educated decisions that could result in lower premium levels.

  • Little extras can really add up – There are a lot of additional coverages that you can buy on your car insurance policy. Insurance for things like rental car coverage, accident forgiveness, and additional equipment coverage are probably not needed. They may sound like good ideas when discussing your needs, but your money might be better spent on other coverage so get rid of them and save.
  • Marriage can save you money – Having a wife or husband actually saves money on your car insurance policy. Marriage usually means you are more responsible and statistics prove married drivers tend to have fewer serious accidents.
  • Drive a safer car and pay less – Cars with five star safety ratings can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into savings for insurance companies and thus lower rates.
  • Avoid tickets and save – Even a single chargeable violation may increase your cost twenty percent or more. Attentive drivers get better rates compared to drivers with tickets. Drivers with license-revoking violations such as hit and run, DWI or reckless driving convictions may be required to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Do thieves like your car? – Driving a car with a theft deterrent system can get you a discount on your car insurance. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your vehicle from being stolen.
  • Liability insurance is important – Liability insurance provides coverage if you are determined to be liable for damages caused by your negligence. Liability provides you with a defense in court up to the limits shown on your policy. Liability insurance is pretty cheap compared to comp and collision, so buy as much as you can afford.
  • Drivers with excellent credit save – Credit score can be an important factor in calculating your premium rate. Insureds that have good credit tend to be more responsible and file fewer claims than drivers with poor credit scores. Therefore, if your credit rating can use some improvement, you could potentially save money when insuring your 2014 Lincoln MKZ by repairing your credit.
  • Your career may increase prices – Do you work in a high-stress field? Careers like real estate brokers, social workers and miners tend to pay the highest average rates because of job stress and extremely grueling work hours. On the flip side, occupations like farmers, athletes and performers have lower than average premiums on MKZ insurance.

These discounts can lower auto insurance rates

Companies offering auto insurance don’t always publicize every discount they offer very clearly, so the following list contains a few of the more well known and the harder-to-find discounts you could be receiving when you buy car insurance online.

  • Driver Training Discounts – Taking time to complete a course in defensive driving may get you a small discount depending on where you live.
  • Military Rewards – Having a family member in the military could trigger a small discount.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Resident Student – Older children who live away from home at college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Savings for New Vehicles – Insuring a vehicle that is new can save you some money due to better safety requirements for newer vehicles.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.

As is typical with insurance, most credits do not apply to the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will reduce your overall premium however.

A few of the larger companies and a partial list of their discounts can be found below.

  • State Farm may have discounts that include defensive driving training, driver’s education, passive restraint, multiple policy, safe vehicle, good driver, and accident-free.
  • Farmers Insurance includes discounts for good student, business and professional, youthful driver, switch companies, and multi-car.
  • Progressive offers discounts for homeowner, continuous coverage, online signing, online quote discount, multi-vehicle, and good student.
  • GEICO may include discounts for seat belt use, military active duty, good student, multi-policy, anti-theft, daytime running lights, and defensive driver.
  • Auto-Owners Insurance has discounts for air bags, teen driver, mature driver, student away at school, paperless, and group or association.
  • The Hartford may offer discounts for driver training, bundle, good student, vehicle fuel type, and defensive driver.
  • Farm Bureau offers premium reductions for multi-vehicle, driver training, good student, renewal discount, youthful driver, and 55 and retired.
  • USAA discounts include military installation, multi-policy, defensive driver, multi-vehicle, annual mileage, family discount, and loyalty savings.

Check with all companies you are considering which discounts can lower your rates. Some credits might not be offered in your area. If you would like to choose from a list of auto insurance companies that offer the discounts shown above, enter your zip code here.

When do I need an agent’s advice?

When it comes to choosing the best auto insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • Is my teenager covered with friends in the car?
  • Am I covered when using my vehicle for business?
  • Do I need PIP coverage since I have good health insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need medical payments coverage since I have good health insurance?
  • Is pleasure use cheaper than using my 2014 Lincoln MKZ to commute?
  • Is upholstery damage covered by car insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete your zip code.

Auto insurance 101

Having a good grasp of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2014 Lincoln MKZ.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision coverages – Collision coverage will pay to fix damage to your MKZ resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible to bring the cost down.

Liability insurance – Liability insurance will cover injuries or damage you cause to a person or their property. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles, structural damage, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, hail damage, hitting a deer, theft and vandalism. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses like funeral costs, hospital visits, EMT expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Shop around and save

In this article, we presented many ideas to reduce 2014 Lincoln MKZ insurance auto insurance rates online. The key concept to understand is the more you quote car insurance, the higher your chance of finding cheaper car insurance. You may be surprised to find that the most savings is with some of the lesser-known companies. These companies often have lower premium rates on specific markets than the large multi-state companies such as State Farm and Allstate.

When you buy car insurance online, never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

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