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2010 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 23, 2017

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Average insurance rates for a 2010 Lincoln MKS are $1,172 a year for full coverage insurance. Comprehensive costs on average $244 a year, collision insurance costs $390, and liability costs around $402. Buying a liability-only policy costs as low as $446 a year, and high-risk insurance costs around $2,530. Teenage drivers receive the highest rates at up to $4,430 a year.

Annual premium for full coverage: $1,172

Rate estimates for 2010 Lincoln MKS Insurance

Comprehensive $244
Collision $390
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 the bare minimum liability coverage to a high of $2,530 for a high risk driver.

Liability Only $446
Full Coverage $1,172
High Risk $2,530

View Chart as Image

2010 Lincoln MKS insurance rates compared
Column chart showing 2010 Lincoln MKS insurance prices range from $682 to $4,430 for full coverage

These differences illustrate why it is important for drivers to compare prices based on a specific location 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 2010 Lincoln MKS Insurance

Searching Companies

Paying for high-priced Lincoln MKS insurance can dwindle your checking account, especially in this economy. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away.

Many auto insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company to find the absolute lowest rate possible.

You need to compare prices once or twice a year because rates change regularly. Just because you found the lowest rates on MKS coverage six months ago you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance on the internet, so we’re going to give you some great ideas on how to stop overpaying for insurance.

Automobile Insurance Quotes

Most companies quote coverage price quotes online. Getting quotes is quite simple as you just enter your personal and coverage information as requested by the quote form. After the form is submitted, their system makes automated requests for reports for credit and driving violations and provides a quote based on many factors. Online price quotes makes it a lot easier to compare rates but the process of having to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you want to find better insurance pricing.

The smarter way to compare insurance pricing requires only one form to return rates from several companies at one time. The form is fast, eliminates form submissions, and makes price shopping online much simpler. As soon as you send your information, it is rated with multiple companies and you can pick any or none of the pricing results.

If the quotes result in lower rates, you can click and sign and purchase coverage. This process just takes a couple of minutes and can result in significant savings.

To get comparison pricing now, click here and complete the simple form. If you have your current policy handy, we recommend you copy the coverages exactly as they are listed on your policy. This way, you will have a rate comparison for similar coverage.

Don’t miss these discounts

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. Most are applied at the time of quoting, but a few must be specifically requested before you will receive the discount.

  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on MKS coverage with a few auto insurance companies.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on MKS coverage than less cautious drivers.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Lincoln could qualify for lower rates on the low mileage vehicles.

A little note about advertised discounts, most of the big mark downs will not be given the whole policy. Most cut specific coverage prices like collision or personal injury protection. So when the math indicates you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of providers with discount auto insurance rates, click here to view.

Why your Lincoln MKS insurance rates may be high

It’s important that you understand the rating factors that play a part in calculating insurance coverage rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with better insurance coverage rates.

Shown below are a partial list of the pieces used by your company to calculate rates.

  • Pleasure use or commuting – The more miles you rack up on your Lincoln in a year the higher your rate. Most insurance companies rate vehicles based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your insurance coverage policy is rated on how each vehicle is driven, because it can save money. If your policy improperly rates your MKS can result in significantly higher rates.
  • Higher safety ratings means cheaper insurance – Safer cars are cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and lower rates for you. If the Lincoln MKS scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Low deductibles can be expensive – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Lincoln. Some examples of claims that would be covered could be a windshield shattered by a rock, damage caused by hail, or theft. Your deductibles are how much you are willing to pay before a claim is paid by your company. The higher the amount the insured has to pay upfront, the bigger discount you will receive on MKS coverage.
  • Your spouse saves you money – Getting married helps lower the price on your policy. Having a significant other means you’re more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Men are more aggressive – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes have accidents at about the same rate, but men tend to have more serious accidents. Men also have more aggressive citations like reckless driving and DUI.
  • Your age impacts your rates – Young drivers tend to be more careless in a vehicle so insurance coverage rates are higher. Mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
  • Bad driving skills means higher rates – Whether or not you get tickets has a big impact on rates. Only having one citation can boost insurance rates by twenty percent. Careful drivers get better rates compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Multi-policy discounts can save money – The majority of companies will award you with lower prices to customers who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare rates to confirm you are receiving the best rates possible.

When might I need help?

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might help in determining if you may require specific advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I insured when driving a different vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if my car is in a flood?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Are you falling for claims of savings?

Companies like GEICO, State Farm and Progressive continually stream television and radio advertisements. All the ads have a common claim that you’ll save big after switching to them. But how can every company say the same thing?

All the different companies are able to cherry pick for the type of driver that earns them a profit. A good example of a driver they prefer might be profiled as over the age of 50, is a homeowner, and drives newer vehicles. A propective insured who matches those parameters will get very good rates and most likely will save a lot of money.

Consumers who are not a match for this ideal profile will have to pay higher premiums which leads to business not being written. The ads state “people who switch” not “people who quote” save that much money. That is how companies can state the savings.

Because of the profiling, drivers should get as many quotes as possible. Because you never know which car insurance company will fit your personal profile best.

Educate yourself about insurance coverages

Understanding the coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like surgery, prosthetic devices and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hail damage, hitting a deer, hitting a bird and vandalism. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair bills for other people’s vehicles, funeral expenses and medical services. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Final thoughts

Low-cost 2010 Lincoln MKS insurance is definitely available from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best price while still protecting your assets.

We’ve covered many ways to reduce insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with some of the lesser-known companies. Some small companies often have lower prices on specific markets as compared to the big name companies such as Progressive or GEICO.

To read more, link through to these articles:

Rates by U.S. City

2010 Lincoln MKS Insurance Rates by City
City Premium
New York City, NY $1,851
Los Angeles, CA $2,004
Philadelphia, PA $1,565
Jacksonville, FL $1,698
Phoenix, AZ $1,364
Chicago, IL $1,570
Houston, TX $1,836
Seattle, WA $1,142
Columbus, OH $980
Indianapolis, IN $999

Need a specific model?

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Rates by Driver Age

2010 Lincoln MKS Insurance Rates by Driver Age
Driver Age Premium
16 $4,430
20 $2,684
30 $1,216
40 $1,172
50 $1,072
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

2010 Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,452
$250 $1,324
$500 $1,172
$1,000 $1,028

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,172
50/100 $1,252
100/300 $1,353
250/500 $1,614
100 CSL $1,293
300 CSL $1,514
500 CSL $1,675

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Lincoln MKS Insurance Rates for High Risk Drivers
Age Premium
16 $6,310
20 $4,276
30 $2,578
40 $2,530
50 $2,412
60 $2,390

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 $162

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $62
Homeowner $18
5-yr Accident Free $82
5-yr Claim Free $76
Paid in Full/EFT $51
Advance Quote $56
Online Quote $83
Total Discounts $490
Rate after discounts $682

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

Find companies with the cheapest rates in your area

2010 Lincoln MKS Insurance Rates by State
State Premium
Alabama $1,060
Alaska $898
Arizona $974
Arkansas $1,172
California $1,336
Colorado $1,118
Connecticut $1,204
Delaware $1,326
Florida $1,464
Georgia $1,084
Hawaii $842
Idaho $794
Illinois $872
Indiana $884
Iowa $792
Kansas $1,112
Kentucky $1,598
Louisiana $1,736
Maine $724
Maryland $968
Massachusetts $936
Michigan $2,036
Minnesota $982
Mississippi $1,406
Missouri $1,040
Montana $1,260
Nebraska $922
Nevada $1,406
New Hampshire $846
New Jersey $1,312
New Mexico $1,036
New York $1,234
North Carolina $674
North Dakota $962
Ohio $810
Oklahoma $1,202
Oregon $1,074
Pennsylvania $1,118
Rhode Island $1,562
South Carolina $1,064
South Dakota $990
Tennessee $1,026
Texas $1,412
Utah $868
Vermont $800
Virginia $702
Washington $906
West Virginia $1,074
Wisconsin $810
Wyoming $1,044

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