Save on 2017 Lincoln MKT 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 26, 2024

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Consumers have a choice when looking for low-cost Lincoln MKT insurance. They can either waste time driving around to compare prices or use the internet to make rate comparisons.

There are both good and bad ways to find insurance coverage online so you’re going to learn the absolute fastest way to quote coverages for a new or used Lincoln and find the best price possible either online or from local insurance agents.

Smart consumers take time to price shop coverage every six months because rates are variable and change quite frequently. If you had the lowest rate for MKT coverage on your last policy you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you one of the best ways to lower your annual insurance bill.

The Lincoln MKT insurance cost equation

Multiple criteria are used when you get a price on insurance. Most are fairly basic such as your driving record, but others are more obscure like your vehicle usage or how financially stable you are.

The following are some of the major factors used by insurance companies to determine your prices.

  • How credit rating affects insurance coverage prices – Credit score can be a huge factor in calculating your insurance coverage rates. If your credit could use some work, you could save money insuring your 2017 Lincoln MKT by improving your credit score. Insureds with good credit tend to be better drivers and file fewer claims than drivers who have lower ratings.
  • High coverage deductibles save money – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of some claims that would be covered are a broken side mirror, hail damage, and damage from a fallen tree branch. Your deductibles are how much you are willing to pay in the event of a claim. The higher the amount the insured is willing to pay, the better rate you will receive for MKT coverage.
  • Drive a safer car and pay less – Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and reduced instances of injuries means lower claim amounts and cheaper rates on your policy.
  • Rural vs Urban Areas – Choosing to live in a small town is a good thing when buying insurance coverage. Drivers in populated areas have much more traffic and a longer drive to work. Less people living in that area means a lower chance of having an accident.
  • Use one insurance company and save – Most larger insurance coverage companies will award discounts to clients that purchase more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. It’s possible to still find lower rates by insuring with multiple companies.
  • Your vocation can affect premiums – Did you know your career choice can influence rates? Occupations such as military generals, architects and accountants generally pay the highest average rates attributed to high stress levels and long work hours. On the other hand, careers like actors, historians and retirees pay the least for MKT coverage.

Are you qualifying for every discount?

Car insurance can cost a lot, but you might be missing out on some discounts that can help lower your rates. Some discounts apply automatically when you complete an application, but some discounts are required to be asked about in order for you to get them.

  • Multi-line Discount – Larger companies have a small discount if you purchase a life insurance policy as well.
  • Good Student Discount – This discount may save as much as 25% on a insurance coverage quote. You can use this discount normally up until you turn 25.
  • Accident Waiver – This isn’t a discount exactly, but some companies like GEICO, Allstate and Liberty Mutual may permit one accident before your rates go up if you are claim-free prior to being involved in the accident.
  • Driving Data Discount – People who choose to allow their insurance company to track when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they show good driving skills.
  • Theft Prevention System – Vehicles optioned with advanced anti-theft systems help deter theft and earn discounts up to 10% off your insurance coverage quote.
  • College Student – who live away from home at college and do not have a car may qualify for this discount.

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, companies don’t profit that way.

The best car insurance companies and their offered discounts are:

  • 21st Century may offer discounts for good student, student driver, defensive driver, driver training, theft prevention, and anti-lock brakes.
  • State Farm offers discounts including driver’s education, student away at school, Drive Safe & Save, defensive driving training, anti-theft, good student, and multiple policy.
  • AAA has savings for good driver, multi-car, anti-theft, good student, education and occupation, AAA membership discount, and multi-policy.
  • Liberty Mutual may have discounts that include safety features, good student, new graduate, newly retired, teen driver discount, and multi-policy.
  • Progressive discounts include continuous coverage, homeowner, good student, online signing, and online quote discount.

Before purchasing a policy, check with each insurance company to give you their best rates. Depending on the company, some discounts may not apply to policies everywhere. To choose companies with significant discounts, enter your zip code here.

Auto insurance companies are expert advertisers

Consumers can’t ignore all the ads that promise big savings for switching from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing about how much you will save if you just switch your coverage to them.

But how can every company give you a better price? Here is the trick they use.

Most companies have specific characteristics for the right customer that makes them money. A good example of this type of driver could be between the ages of 30 and 45, has other policies, and drives a car with an anti-theft system. Anybody who fits those characteristics will most likely get cheap premium rates and as a result will probably cut their rates substantially.

Insureds who fall short of those standards will see higher rates which results in business going elsewhere. The ad wording is “people that switch” but not “everyone who gets a quote” save that much. That’s the way insurance companies can confidently make those claims.

Because of the profiling, you really need to get as many free insurance coverage quotes as possible. It’s just not possible to know which auto insurance company will fit you best based on your risk profile.

When in doubt talk to an agent

When buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions could help you determine whether or not you will benefit from professional help.

  • Am I covered when delivering products for my home-based business?
  • Am I covered when using my vehicle for business?
  • Do I need medical payments coverage since I have good health insurance?
  • Does coverage extend to my business vehicle?
  • What is UM/UIM insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need Motor Club coverage?
  • Should I buy full coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete your zip code. It is quick, free and can help protect your family.

Educate yourself about car insurance coverages

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Collision coverage

This coverage will pay to fix damage to your MKT caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, colliding with a tree, rolling your car, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills like dental work, funeral costs, doctor visits, surgery and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

Liability insurance will cover damage that occurs to people or other property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as repair bills for other people’s vehicles, structural damage, legal defense fees, emergency aid and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

A little work can save a LOT of money

Budget-friendly insurance coverage can be sourced online and from local insurance agents, so you need to quote insurance coverage with both in order to have the best price selection to choose from. Some insurance companies do not offer rate quotes online and these smaller companies prefer to sell through independent agents.

When shopping online for insurance coverage, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Consumers change insurance companies for a variety of reasons including delays in responding to claim requests, not issuing a premium refund, being labeled a high risk driver or even unfair underwriting practices. It doesn’t matter what your reason, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

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