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2009 Lincoln MKS 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: Nov 16, 2021

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Average insurance rates for a 2009 Lincoln MKS are $1,126 a year including full coverage. Comprehensive insurance costs around $226 each year, collision insurance costs $362, and liability costs around $402. Buying a liability-only policy costs as low as $446 a year, and high-risk insurance costs $2,432 or more. Teenage drivers receive the highest rates at up to $4,294 a year.

Annual premium for full coverage: $1,126

Rate estimates for 2009 Lincoln MKS Insurance

Comprehensive $226
Collision $362
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Lincoln MKS 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 middle-aged driver, prices range range from as low as $446 for basic liability insurance to a high rate of $2,432 for a high risk driver.

Liability Only $446
Full Coverage $1,126
High Risk $2,432

View Chart as Image

2009 Lincoln MKS insurance rates compared
Column chart showing 2009 Lincoln MKS insurance prices range from $658 to $4,294 for full coverage

These differences highlight why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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 2009 Lincoln MKS Insurance

Searching Companies

Overpriced Lincoln MKS insurance can take a big chunk out of your checking account and make it hard to pay other bills. Shopping your coverage around is a smart way to cut your insurance bill. Many auto insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company to discover the definitive best rate

It’s a great practice to check insurance prices on a regular basis since insurance rates are rarely the same from one policy term to another. Even if you got the best deal for MKS insurance a few years ago there is a good chance you can find better rates now. So ignore everything you know about insurance because you’re about to learn the best way to reduce your cost while increasing coverage.

Low Cost Auto Insurance

There are several ways you can shop for Lincoln MKS auto insurance and some are easier and takes less work. You could spend the better part of a day talking to agents in your area, or you can utilize the web to quickly compare rates.

The majority of car insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and each company returns a rated price based on the submitted data. This saves time by eliminating quotation requests to each individual auto insurance company. To access this free quoting program, click to open in new window.

One minor caviat to using this type of form is you don’t know exactly which companies to get quotes from. So if you want to choose from a list of companies for rate comparison, we have a listing of low cost auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverage limits and deductibles with every price quote. If your comparisons have different liability limits it will be very difficult to decipher which rate is best.

Pay less for Lincoln MKS insurance

Companies don’t always list every discount very well, so the following is a list of both well-publicized as well as the least known insurance coverage savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for MKS insurance than their less cautious counterparts.
  • College Student – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Accident Free – Claim-free drivers can earn big discounts when compared with frequent claim filers.
  • Accident Forgiveness – Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums for MKS insurance.
  • Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.

It’s important to understand that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

Insurance companies who might offer some of the above discounts include:

  • State Farm
  • American Family
  • AAA
  • Mercury Insurance
  • Farmers Insurance
  • Progressive

Before buying, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Should I rate my 2009 Lincoln MKS as pleasure use or commute?
  • How do I file an SR-22 for a DUI in my state?
  • Can I afford low physical damage deductibles?
  • Am I covered when pulling a rental trailer?
  • What companies insure drivers after a DUI or DWI?
  • Do I pay less for low miles?
  • When can my company non-renew my policy?
  • If my 2009 Lincoln MKS is totaled, can I afford another vehicle?
  • Can I rent a car in Mexico?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Parts of your insurance policy

Having a good grasp of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses such as X-ray expenses, EMT expenses and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. 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, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

This will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as emergency aid, pain and suffering and loss of income. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Coverage for collisions

Collision insurance pays for damage to your MKS caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, rolling your car, colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, hail damage and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Knowledge is power

Budget-conscious 2009 Lincoln MKS insurance can be bought from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Additional car insurance information can be read on the following sites:

Rates by U.S. City

2009 Lincoln MKS Insurance Rates by City
City Premium
New York City, NY $1,779
Los Angeles, CA $1,923
Philadelphia, PA $1,504
Jacksonville, FL $1,631
Phoenix, AZ $1,308
Chicago, IL $1,512
Houston, TX $1,765
Seattle, WA $1,096
Columbus, OH $939
Indianapolis, IN $961

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Lincoln MKS Insurance Rates by Driver Age
Driver Age Premium
16 $4,294
20 $2,582
30 $1,166
40 $1,126
50 $1,030
60 $1,010

Full coverage, $500 deductibles

Rates by Deductible

2009 Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,384
$250 $1,266
$500 $1,126
$1,000 $992

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,126
50/100 $1,206
100/300 $1,307
250/500 $1,568
100 CSL $1,247
300 CSL $1,468
500 CSL $1,629

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Lincoln MKS Insurance Rates for High Risk Drivers
Age Premium
16 $6,108
20 $4,112
30 $2,476
40 $2,432
50 $2,320
60 $2,298

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $60
Homeowner $18
5-yr Accident Free $78
5-yr Claim Free $72
Paid in Full/EFT $48
Advance Quote $54
Online Quote $79
Total Discounts $468
Rate after discounts $658

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

Find companies with the cheapest rates in your area

2009 Lincoln MKS Insurance Rates by State
State Premium
Alabama $1,018
Alaska $864
Arizona $934
Arkansas $1,126
California $1,282
Colorado $1,074
Connecticut $1,156
Delaware $1,272
Florida $1,406
Georgia $1,042
Hawaii $808
Idaho $764
Illinois $840
Indiana $850
Iowa $760
Kansas $1,070
Kentucky $1,536
Louisiana $1,668
Maine $696
Maryland $930
Massachusetts $900
Michigan $1,954
Minnesota $944
Mississippi $1,350
Missouri $1,000
Montana $1,210
Nebraska $886
Nevada $1,350
New Hampshire $812
New Jersey $1,260
New Mexico $994
New York $1,186
North Carolina $648
North Dakota $924
Ohio $776
Oklahoma $1,154
Oregon $1,032
Pennsylvania $1,074
Rhode Island $1,500
South Carolina $1,022
South Dakota $952
Tennessee $984
Texas $1,358
Utah $834
Vermont $768
Virginia $676
Washington $870
West Virginia $1,032
Wisconsin $776
Wyoming $1,002

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