2011 Lincoln MKS Insurance Rates

Average insurance rates for a 2011 Lincoln MKS are $1,198 a year with full coverage. Comprehensive costs an estimated $250 a year, collision costs $418, and liability costs $394. Buying a liability-only policy costs as little as $440 a year, with high-risk insurance costing around $2,592. Teen drivers receive the highest rates at $4,514 a year or more.

Annual premium for full coverage: $1,198

Rate estimates for 2011 Lincoln MKS Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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

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These differences demonstrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Want cheaper insurance coverage rates for your Lincoln MKS? Trying to find cheaper insurance for a Lincoln MKS could be a painful process, but you can use a few tricks to make it easier.

There is a better way to buy insurance coverage and you need to know the proper way to quote coverages for a new or used Lincoln and obtain the lowest price from local insurance agents and online providers.

Consumers need to shop coverage around yearly due to the fact that insurance rates change quite often. Just because you had the best deal for MKS coverage a couple years back other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to learn one of the best ways to properly buy coverages while reducing your premium.

Buying cheaper insurance is quite easy. If you are insured now or are just looking to switch companies, you can use this information to find better prices and still get good coverage. Vehicle owners just need to learn the most efficient way to compare prices on the web.

Comprehensive Insurance Coverage Comparison Quotes

Performing a rate comparison is a ton of work if you aren’t aware of the best way to get rate quotes. You can waste hours talking to insurance companies in your area, or you can stay home and use online quoting for quick rates.

All the larger companies enroll in a system that enables customers to send in one quote, and each participating company returns a rated price based on that information. This eliminates the need for quote forms to every company.

To compare 2011 Lincoln MKS rates using this form now click here to open in new window.

The one disadvantage to using this type of system is that you can’t choose which companies you want to price. So if you want to choose specific insurance companies to compare prices, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare apples-to-apples deductibles and coverage limits for each price quote. If the quotes have different limits and deductibles on each one it will be very difficult to determine which rate is truly the best.

You probably qualify for some discounts

Insurance can cost an arm and a leg, but there are discounts available to help offset the cost. Most are applied when you quote, but some must be manually applied prior to getting the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

• Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for MKS coverage than drivers with accident claims.
• Student Driver Training – Require your teen driver to enroll in driver’s education in high school.
• Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
• Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
• Own a Home – Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
• Life Insurance – Some companies give a break if you buy a life insurance policy as well.
• Multiple Policy Discount – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

Companies that may have some of the above discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Double check with each company which discounts they offer. All car insurance discounts might not be offered everywhere.

There’s no such thing as the perfect policy

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.

For example, these questions could help you determine if your situation could use an agent’s help.

• Am I covered when driving a rental car?
• What is UM/UIM insurance?
• Is my ex-spouse still covered by my policy?
• Does coverage extend to a rental car in a foreign country?
• When should I remove comp and collision on my 2011 Lincoln MKS?
• Does insurance cover damages from a DUI accident?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I have coverage when using my vehicle for my home business?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance specifics

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, damage from getting keyed, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, hospital visits, funeral costs and X-ray expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as court costs, pain and suffering, emergency aid, structural damage and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision insurance

This coverage covers damage to your MKS resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Lincoln MKS.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.