Cheaper 2016 Lincoln MKZ 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 22, 2024

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Want better car insurance rates for your Lincoln MKZ? Searching for affordable car insurance on the internet might appear difficult for drivers that are relatively new to buying their car insurance on the internet. With such a big selection of agents and online companies, how are drivers able to effectively compare them all to find cheaper car insurance prices?

Low cost insurance coverage rate quotes online

Most larger insurance companies allow you to get insurance quotes on their websites. Getting online rates is fairly straightforward as you just enter your coverage preferences into a form. When complete, their quoting system will order your credit score and driving record and generates a price.

This makes comparing rates easy, but having to visit multiple sites and type in the same information is not the best way to spend an afternoon. But it’s very important to get many rate quotes if you are searching for the lowest price.

An easier way to compare insurance coverage pricing makes use of a single form that analyzes rates from many companies. It’s a real time-saver, requires less work, and makes rate comparisons a lot less work. After sending your information, it is quoted with multiple companies and you can pick your choice of the quotes that you receive.

If you find a better price you can click and sign and buy the policy. The whole process can be completed in less than 10 minutes and could lower your rates considerably.

To find out what other companies charge, simply enter your zip code here and enter your information. To compare your current rates, we recommend you duplicate the limits and deductibles as shown on your current policy. This ensures you’re receiving a fair comparison for exact coverage.

Earn discounts on insurance

Companies that sell car insurance do not list all their discounts very well, so we break down a few of the more common as well as the least known credits available to bring down your rates.

  • Homeowners Savings – Owning your own home or condo can get you a discount because of the fact that having a home demonstrates responsibility.
  • Discounts for Good Drivers – Accident-free drivers can get discounts for up to 45% lower rates on MKZ insurance compared to accident prone drivers.
  • Mature Driver Discount – Older drivers can get reduced rates on MKZ insurance.
  • Military Rewards – Being deployed in the military may qualify for rate reductions.
  • Distant College Student Discount – Kids who live away from home to go to college and do not have access to a covered vehicle could get you a discount.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Progressive, Allstate, and GEICO will turn a blind eye to one accident before your rates go up if you have no claims prior to the accident.
  • Renewal Discounts – Select larger companies give a discount for switching companies prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower premium rates due to less chance of an accident.
  • ABS Brakes – Cars with ABS and/or traction control can avoid accidents so you can save 10 percent or more.

Keep in mind that many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way.

To find providers who offer discounts, enter your zip code here.

Insurance rates are influenced by these factors

Consumers need to have an understanding of a few of the rating criteria that go into determining the price you pay for insurance. If you understand what influences your rates, this enables informed choices that will entitle you to cheaper rates.

Shown below are some of the things used by your company to calculate your premiums.

  • Increase physical damage deductibles and save – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your Lincoln from damage. Examples of covered claims are a broken windshield, hail damage, and having your car stolen. The deductibles represent how much money you are required to pay in the event of a claim. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be on MKZ insurance.
  • Women tend to cost less – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Males and females cause at-fault accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as reckless driving. Young males tend to get in the most accidents and thus pay the highest rates.
  • Cars with good safety ratings cost less to insure – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles result in less severe injuries and fewer serious injuries means less money paid by your insurance company and lower rates for you.
  • Drivers with excellent credit save on insurance – Credit history will be a significant factor in calculating your premium rate. Insureds with excellent credit tend to be less risk to insure as compared to drivers with lower ratings. If your credit score is lower than you’d like, you could save money insuring your 2016 Lincoln MKZ by improving your credit score.
  • Vehicle options that lower prices – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your car from being stolen.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your situation would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • What is medical payments coverage?
  • Why am I required to buy liability insurance?
  • Should I carry comprehensive and collision coverage?
  • What is UM/UIM insurance?
  • Can I afford to buy a different vehicle if my 2016 Lincoln MKZ is totaled?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete your zip code.

Auto insurance 101

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability insurance – Liability coverage protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, attorney fees, emergency aid, pain and suffering and bail bonds. How much coverage you buy is up to you, but buy as large an amount as possible.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Lincoln MKZ.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages are identical to your policy’s liability coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as rehabilitation expenses, doctor visits and EMT expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, theft and damage from flooding. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – Collision coverage covers damage to your MKZ resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Take this to the bank

When you buy insurance coverage online, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone sacrificed comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find at the best possible price, not the least amount of coverage.

Cheap 2016 Lincoln MKZ insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide online quoting and these smaller companies only sell through independent agencies.

People change insurance companies for a variety of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, delays in paying claims and even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

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