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2012 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: Jun 13, 2015

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Average insurance rates for a 2012 Lincoln MKS are $1,232 a year with full coverage. Comprehensive costs approximately $260, collision insurance costs $446, and liability costs $390. Buying a liability-only policy costs as little as $438 a year, and high-risk insurance costs around $2,664. Teenage drivers receive the highest rates at up to $4,620 a year.

Annual premium for full coverage: $1,232

Rate estimates for 2012 Lincoln MKS Insurance

Comprehensive $260
Collision $446
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 40-year-old driver, prices range range from as low as $438 for just liability coverage to the much higher price of $2,664 for high-risk insurance.

Liability Only $438
Full Coverage $1,232
High Risk $2,664

View Chart as Image

2012 Lincoln MKS insurance rates compared
Column chart showing 2012 Lincoln MKS insurance prices range from $710 to $4,620 for full coverage

These differences demonstrate why everyone should compare rates using their 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 2012 Lincoln MKS Insurance

Searching Companies

Are you intimidated by the crazy number of insurance coverage company choices? Many other consumers are too. Consumers have so many options that it can easily become a real challenge to find the perfect company for you.

It is always a good idea to check insurance coverage prices yearly due to the fact that insurance rates change quite often. Even if you got the lowest rates for MKS coverage two years ago you can probably find a better price now. There is too much inaccurate information about insurance coverage online, so I’m going to show you some great ideas on how to stop overpaying for insurance.

Buying car insurance is not rocket science. If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Although drivers must learn how companies compete online and take advantage of how the system works.

How to Compare Car Insurance Costs

All the larger car insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get coverage price quotes online. This process is pretty painless as you simply type in the coverage amounts you desire as requested by the quote form. Once entered, their rating system orders your credit score and driving record and returns pricing information.

This makes comparing rates easy, but having to visit different websites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to do this if you want to find the lowest car insurance rates.

The preferred way to find lower prices requires only one form that gets price quotes from several companies at one time. It saves time, requires much less work on your part, and makes rate comparisons a lot less work. As soon as you send your information, it is rated with multiple companies and you can pick any or none of the quotes returned. If you find a better price you simply finish the application and buy the policy. It takes less than 15 minutes and may save quite a bit of money.

To use this form to compare rates, click here and complete the simple form. To compare your current rates, we recommend you enter coverages and limits as shown on your current policy. Doing this guarantees you will get rate comparison quotes using the same coverage and limits.

Lower rates by qualifying for discounts

Companies don’t always list every discount in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using.

  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • Passive Restraints – Factory air bags can get savings of 20% or more.
  • Distant Student – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Paperless Signup – Certain companies may give you up to $50 simply for signing digitally online.
  • Good Student Discount – Getting good grades can save 20 to 25%. The good student discount can last up to age 25.

A little note about advertised discounts, most discounts do not apply the whole policy. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears you could get a free insurance policy, you’re out of luck.

To see a list of providers with the best insurance discounts, click this link.

Car insurance is unique, just like you

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions might help in determining whether you might need professional guidance.

  • Do I need an umbrella policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How do I insure my teen driver?
  • Is my 2012 Lincoln MKS covered for smoke damage?
  • Am I covered when driving on a suspended license?
  • Am I missing any policy discounts?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Why you might be paying too much to insure your Lincoln MKS

Smart consumers have a good feel for some of the elements that go into determining auto insurance rates. Understanding what determines base rates enables informed choices that could result in big savings.

Listed below are some of the factors auto insurance companies consider when setting premiums.

  • Multiple policies with one company can save – Most auto insurance companies will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to confirm you are receiving the best rates possible.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as judges, business owners and financial analysts tend to have higher average rates in part from job stress and lengthy work days. Conversely, occupations like scientists, engineers and homemakers receive lower rates for MKS coverage.
  • Your spouse saves you money – Having a wife or husband can get you a discount on your policy. Having a spouse is viewed as being more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Safer cars cost less to insure – Cars with high safety ratings get lower rates. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Lincoln MKS scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Is there truth in advertising?

Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies say the same thing about savings if you switch your policy. How can each company make almost identical claims?

Insurance companies have a preferred profile for the type of driver that makes them money. For example, a desirable insured might be between 25 and 40, owns a home, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who don’t measure up to the “perfect” profile must pay a more expensive rate which usually ends up with business not being written. The ads say “drivers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently claim big savings. This illustrates why it is so important to get as many comparisons as possible. It is impossible to predict which insurance companies will provide you with the cheapest Lincoln MKS insurance rates.

Learn about insurance coverages for a 2012 Lincoln MKS

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision coverage – This will pay to fix damage to your MKS from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, 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.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like hospital visits, EMT expenses and nursing services. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, vandalism, hail damage, fire damage and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance – This protects you from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

More quotes. Lower rates.

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. In many cases, someone sacrificed collision coverage only to regret they didn’t purchase enough coverage. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.

People leave their current company for any number of reasons including denial of a claim, policy non-renewal, high prices and even extreme rates for teen drivers. Regardless of your reason, switching companies is easier than you think.

Low-cost 2012 Lincoln MKS insurance is attainable from both online companies as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

To read more, feel free to visit these articles:

Rates by U.S. City

2012 Lincoln MKS Insurance Rates by City
City Premium
New York City, NY $1,947
Los Angeles, CA $2,106
Philadelphia, PA $1,641
Jacksonville, FL $1,782
Phoenix, AZ $1,431
Chicago, IL $1,652
Houston, TX $1,929
Seattle, WA $1,197
Columbus, OH $1,029
Indianapolis, IN $1,049

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Lincoln MKS Insurance Rates by Driver Age
Driver Age Premium
16 $4,620
20 $2,834
30 $1,282
40 $1,232
50 $1,126
60 $1,106

Full coverage, $500 deductibles

Rates by Deductible

2012 Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,542
$250 $1,398
$500 $1,232
$1,000 $1,072

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,232
50/100 $1,310
100/300 $1,408
250/500 $1,661
100 CSL $1,349
300 CSL $1,564
500 CSL $1,720

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Lincoln MKS Insurance Rates for High Risk Drivers
Age Premium
16 $6,590
20 $4,512
30 $2,722
40 $2,664
50 $2,542
60 $2,518

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 $66
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $89
5-yr Claim Free $80
Paid in Full/EFT $55
Advance Quote $60
Online Quote $88
Total Discounts $522
Rate after discounts $710

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

Find companies with the cheapest rates in your area

2012 Lincoln MKS Insurance Rates by State
State Premium
Alabama $1,112
Alaska $946
Arizona $1,022
Arkansas $1,232
California $1,404
Colorado $1,176
Connecticut $1,266
Delaware $1,392
Florida $1,536
Georgia $1,140
Hawaii $884
Idaho $834
Illinois $918
Indiana $928
Iowa $832
Kansas $1,170
Kentucky $1,680
Louisiana $1,824
Maine $760
Maryland $1,016
Massachusetts $982
Michigan $2,138
Minnesota $1,034
Mississippi $1,476
Missouri $1,094
Montana $1,322
Nebraska $970
Nevada $1,476
New Hampshire $890
New Jersey $1,376
New Mexico $1,088
New York $1,298
North Carolina $710
North Dakota $1,008
Ohio $850
Oklahoma $1,264
Oregon $1,128
Pennsylvania $1,172
Rhode Island $1,642
South Carolina $1,118
South Dakota $1,040
Tennessee $1,078
Texas $1,484
Utah $912
Vermont $842
Virginia $738
Washington $950
West Virginia $1,128
Wisconsin $850
Wyoming $1,096

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