Compare 2017 Lincoln MKZ 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 22, 2024

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Searching for lower insurance coverage rates for your Lincoln MKZ? Did you make the mistake of buying an underperforming, overpriced insurance coverage policy? Say no more because many drivers feel the same as you. Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurers and get the definite cheapest price

How to lower your insurance coverage cost

The majority of larger companies allow consumers to get prices on the web. Getting quotes is pretty easy because it’s just a matter of typing in your coverage information as requested by the quote form. Upon sending the form, their system automatically retrieves information on your driving record and credit history and generates a price based on these and other factors. Quoting online streamlines rate comparisons, but the work required to visit several different sites and type in the same data can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible if you want to get the lowest insurance coverage rates.

There is a better way to compare rates

The preferred way to locate the lowest prices uses just one form that analyzes rates from a bunch of companies at once. It saves time, helps eliminate repetitive entry, and makes online shopping much more efficient. Immediately after you send the form, your coverage is rated and you are able to buy any of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process can be completed in a matter of minutes and may save quite a bit of money.

If you want to find out how much you can save on insurance coverage, simply enter your zip code here and input your coverage information. If you have your current policy handy, we recommend that you enter identical to your current policy. This ensures you will receive a rate comparison using the exact same coverages.

Save a ton by taking advantage of discounts

Companies don’t always advertise every discount they offer very well, so the list below contains both the well known in addition to some of the lesser obvious insurance savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Defensive Driver – Taking time to complete a class that teaches driver safety techniques could save 5% or more if your company offers it.
  • Own a Home and Save – Owning your own home or condo may trigger a policy discount on insurance because of the fact that having a home shows financial diligence.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off PIP or medical payments premium.
  • Drive Less and Save – Low annual miles can earn substantially lower prices.
  • Good Student Discount – Performing well in school may save you up to 25%. The discount lasts up until you turn 25.
  • Accident Forgiveness – Not necessarily a discount, but certain companies will allow you to have one accident without the usual rate increase with the catch being you have to be claim-free for a particular time prior to the accident.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Telematics Data – Drivers who agree to allow their insurance company to scrutinize driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as they are good drivers.
  • Professional Memberships – Having an affiliation with a qualifying organization is a good way to get lower rates on insurance.
  • Auto/Life Discount – Insurance companies who offer life insurance give a discounted insurance rate on car insurance if you buy a life policy as well.

As is typical with insurance, some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky.

To see providers who offer online insurance quotes, enter your zip code here.

How much insurance do I need?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • What is roadside assistance coverage?
  • When should my teen driver be added to my policy?
  • Is my ex-spouse still covered by my policy?
  • Are my friends covered when driving my car?
  • Should I get collision insurance on every vehicle?
  • Is my Lincoln MKZ covered if I use it for business?
  • Can I get a multi-policy discount?
  • Does insurance cover tools stolen from my truck?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete your zip code. It only takes a few minutes and you can get the answers you need.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like hospital visits, prosthetic devices, chiropractic care, doctor visits and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision protection

Collision insurance covers damage to your MKZ caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.


Liability insurance will cover damages or injuries you inflict on people or other property. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, medical expenses and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, damage from getting keyed, a broken windshield and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Lincoln MKZ.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

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