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2008 Lincoln MKZ Insurance 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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UPDATED: Mar 4, 2020

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Average insurance rates for a 2008 Lincoln MKZ are $1,246 a year including full coverage. Comprehensive costs an estimated $198 a year, collision insurance costs $328, and liability insurance costs around $540. Buying a liability-only policy costs as low as $592 a year, and high-risk insurance costs around $2,698. Teen drivers receive the highest rates at up to $4,980 a year.

Annual premium for full coverage: $1,246

Rate estimates for 2008 Lincoln MKZ Insurance

Comprehensive $198
Collision $328
Liability $540

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Lincoln MKZ models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $592 for just liability coverage to a high of $2,698 for a driver who has had serious violations or accidents.

Liability Only $592
Full Coverage $1,246
High Risk $2,698

View Chart as Image

2008 Lincoln MKZ insurance rates compared
Column chart showing 2008 Lincoln MKZ insurance prices range from $743 to $4,980 for full coverage

These differences highlight why it is important for drivers to compare prices for a targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2008 Lincoln MKZ Insurance

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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.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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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:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Lincoln MKZ Insurance Rates by City
City Premium
New York City, NY $1,968
Los Angeles, CA $2,130
Philadelphia, PA $1,660
Jacksonville, FL $1,805
Phoenix, AZ $1,448
Chicago, IL $1,667
Houston, TX $1,950
Seattle, WA $1,210
Columbus, OH $1,038
Indianapolis, IN $1,060

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $4,980
20 $2,878
30 $1,274
40 $1,246
50 $1,144
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

2008 Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,476
$250 $1,370
$500 $1,246
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,246
50/100 $1,354
100/300 $1,489
250/500 $1,840
100 CSL $1,408
300 CSL $1,705
500 CSL $1,921

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,044
20 $4,588
30 $2,728
40 $2,698
50 $2,582
60 $2,558

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $68
Homeowner $21
5-yr Accident Free $81
5-yr Claim Free $79
Paid in Full/EFT $48
Advance Quote $57
Online Quote $85
Total Discounts $503
Rate after discounts $743

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2008 Lincoln MKZ Insurance Rates by State
State Premium
Alabama $1,126
Alaska $956
Arizona $1,034
Arkansas $1,246
California $1,420
Colorado $1,188
Connecticut $1,278
Delaware $1,410
Florida $1,556
Georgia $1,150
Hawaii $894
Idaho $844
Illinois $926
Indiana $938
Iowa $840
Kansas $1,182
Kentucky $1,698
Louisiana $1,842
Maine $768
Maryland $1,028
Massachusetts $994
Michigan $2,160
Minnesota $1,044
Mississippi $1,492
Missouri $1,104
Montana $1,338
Nebraska $982
Nevada $1,492
New Hampshire $896
New Jersey $1,392
New Mexico $1,102
New York $1,312
North Carolina $718
North Dakota $1,022
Ohio $858
Oklahoma $1,278
Oregon $1,140
Pennsylvania $1,186
Rhode Island $1,662
South Carolina $1,128
South Dakota $1,052
Tennessee $1,088
Texas $1,500
Utah $922
Vermont $850
Virginia $746
Washington $960
West Virginia $1,142
Wisconsin $862
Wyoming $1,108

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