2010 Lincoln MKT Car Insurance Cost – 7 Discounts for Best Prices

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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: Aug 24, 2022

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Looking for the cheapest car insurance rates for your Lincoln MKT? Comparison shopping for car insurance can seem to be hard for consumers not familiar with buying insurance online. Drivers have so many choices that it can be a lot of work to compare prices.

The quickest way to compare insurance rates in your area is to know almost all companies participate in a system to give you rate quotes. All you need to do is give the companies some data such as how old drivers are, whether you are married, what your job is, and the year, make and model of vehicles. Your rating data is instantly sent to multiple top-rated companies and they provide comparison quotes immediately.

To find the cheapest 2010 Lincoln MKT insurance rates, click here and find out if lower rates are available.

Discounts on Lincoln MKT insurance

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. Certain discounts will be applied at the time of purchase, but a few need to be requested specifically before you get the savings.

  • Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Safe Driver Discount – Safe drivers may save up to 50% more on MKT coverage than less cautious drivers.
  • No Charge for an Accident – A few companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.

Keep in mind that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will reduce the cost of coverage.

Car insurance companies that possibly offer these money-saving discounts include:

Check with each company which discounts they offer. Discounts may not be available in every state.

Tailor your coverage to you

When it comes to choosing the best insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Does coverage extend to my business vehicle?
  • What is an SR-22 filing?
  • When should my teen driver be added to my policy?
  • Am I insured when driving a different vehicle?
  • Where can I find high-risk insurance?
  • Can my teen drive my company car?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

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Parts of your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverages – Collision coverage pays for damage to your MKT resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical expense coverage – Med pay and PIP coverage reimburse you for expenses such as X-ray expenses, nursing services and doctor visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability – This will cover injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as loss of income, court costs, emergency aid and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive protection – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like theft, a broken windshield and vandalism. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A tidy conclusion

When shopping online for insurance, you should never buy lower coverage limits just to save a few bucks. Too many times, someone dropped physical damage coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

Cheap 2010 Lincoln MKT insurance is attainable on the web and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some insurance companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

We just presented many ways to get a better price on insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the best price on insurance is with a lesser-known regional company.

More learning opportunities

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