2008 Lincoln MKZ Insurance Quotes – 6 Tricks for Best Rates

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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: Mar 4, 2020

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Want better car insurance rates? Drivers have lots of choices when trying to find the lowest priced Lincoln MKZ insurance. You can either waste hours struggling with agents trying to get quotes or save time using the internet to make rate comparisons.

There are more efficient ways to compare car insurance rates and you need to know the best way to get price quotes for a new or used Lincoln and locate the cheapest rates from both online companies and local agents.

Smart consumers take time to get comparison quotes occasionally because insurance rates tend to go up over time. Just because you had the lowest price for MKZ coverage a couple years back there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Get lower rates on 2008 Lincoln MKZ insurance

Insurance can cost an arm and a leg, but you may find discounts to cut the cost considerably. Most are applied when you purchase, but a few must be specifically requested before they will apply. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Driver Safety – Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Senior Discount – Mature drivers may receive reduced rates for MKZ coverage.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way. But any discount will cut your overall premium however.

To see a list of insurance companies with the best auto insurance discounts, click here.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

  • Does liability extend to a camper or trailer?
  • Do I need replacement cost coverage on my 2008 Lincoln MKZ?
  • Am I covered if I break a side mirror?
  • Do I really need UM/UIM coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Is a new car covered when I drive it off the dealer lot?
  • What happens if I owe more than my 2008 Lincoln MKZ is worth?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

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Insurance coverages 101

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Lincoln MKZ.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Auto liability

This coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

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 values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like structural damage, funeral expenses, medical expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for things like ambulance fees, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance policy or if you do not have health coverage. 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 only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage covers damage to your MKZ resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, damaging your car on a curb, driving through your garage door, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Quote often and quote early

You just learned many tips how you can get a better price on 2008 Lincoln MKZ insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest priced car insurance comes from an unexpected company.

People who switch companies do it for many reasons like delays in paying claims, extreme rates for teen drivers, high rates after DUI convictions and even denial of a claim. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where an insured cut physical damage coverage and discovered at claim time 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.

Additional detailed information is available in the articles below:

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