1993 Lincoln Mark VIII Car Insurance Rates – 8 Policy Discounts

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Looking for the cheapest car insurance rates for your Lincoln Mark VIII? Cutting costs on car insurance can seem to be nearly impossible for people who are new to comparison shopping online. There are so many options available that it can easily become a real hassle to locate the lowest price.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. Locating affordable insurance coverage is easy if you know what you’re doing. But drivers must know how the larger insurance companies market on the web because it can help you find the best coverage.

Get lower rates on 1993 Lincoln Mark VIII insurance

Car insurance can cost a lot, but you can get discounts that many people don’t even know exist. Certain discounts will be applied when you quote, but less common discounts must be manually applied before being credited.

  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Low Mileage – Keeping the miles down on your Lincoln could be rewarded with discounted rates on garaged vehicles.
  • Organization Discounts – Affiliation with a civic or occupational organization could trigger savings on your policy for Mark VIII insurance.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Distant Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums for Mark VIII insurance.

It’s important to note that some of the credits will not apply the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you could get a free insurance coverage policy, you won’t be that lucky. Any qualifying discounts will bring down the amount you have to pay.

For a list of insurers with the best insurance coverage discounts, follow this link.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your insurance needs might need professional guidance.

  • Is my babysitter covered when using my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What if I don’t agree with a claim settlement offer?
  • Should I get collision insurance on every vehicle?
  • How much can I save by bundling my policies?
  • When does my teenage driver need to be added to my policy?
  • Is my trailer covered?
  • When should I buy a commercial auto policy?
  • Am I covered when driving someone else’s vehicle?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

The insurance bait and switch

Insurance companies such as Progressive, Allstate and GEICO continually stream ads in print and on television. They all seem to say the same thing that you’ll save big after switching to their company. But how can every company say the same thing?

All companies are able to cherry pick for the driver that makes them money. A good example of a desirable insured might be profiled as a mature driver, has no prior claims, and drives less than 7,500 miles a year. Any driver who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Drivers who don’t meet this ideal profile will have to pay a more expensive rate which usually ends up with business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently make the claims of big savings.

Because of the profiling, you absolutely need to quote coverage with many companies. You cannot predict the company that will fit your personal profile best.

Insurance coverage breakdown

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills like pain medications, hospital visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision – This covers damage to your Mark VIII from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, driving through your garage door, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive coverages – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, vandalism, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability – Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, pain and suffering, court costs and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

At the end of the day…

People who switch companies do it for many reasons like being labeled a high risk driver, not issuing a premium refund, policy non-renewal or even poor customer service. Whatever your reason, finding a new insurance company can be easy and end up saving you some money.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest price.

We’ve covered many tips how you can reduce 1993 Lincoln Mark VIII insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from an unexpected company.

Much more information about insurance can be found below:

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