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2012 Lincoln MKT Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Mar 6, 2020

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Average insurance rates for a 2012 Lincoln MKT are $1,378 a year for full coverage insurance. Comprehensive costs around $270 each year, collision insurance costs $408, and liability costs around $520. Buying a liability-only policy costs as low as $576 a year, and high-risk insurance costs around $2,962. Teen drivers receive the highest rates at up to $5,300 a year.

Annual premium for full coverage: $1,378

Rate estimates for 2012 Lincoln MKT Insurance

Comprehensive $270
Collision $408
Liability $520

Rate data is compiled from all 50 U.S. states and averaged for all 2012 Lincoln MKT 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 the average driver, prices range range from as low as $576 for just liability insurance to a high rate of $2,962 for a driver that may need high-risk insurance.

Liability Only $576
Full Coverage $1,378
High Risk $2,962

View Chart as Image

2012 Lincoln MKT insurance rates compared
Column chart showing 2012 Lincoln MKT insurance prices range from $815 to $5,300 for full coverage

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

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 MKT Insurance

Searching Companies

Trying to find the cheapest auto insurance rates for your Lincoln MKT? Are you sick and tired of not being able to afford to insure your Lincoln every month? You’re in the same situation as many other drivers. You have so many auto insurance companies to pick from, and although it’s nice to have a selection, it makes it harder to locate the cheapest rates.

This article will instruct you on how to get online quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Drivers just need to learn the most efficient way to shop for car insurance over the internet.

Lincoln MKT rates are in the details

Smart consumers have a good feel for some of the elements that play a part in calculating insurance coverage rates. Knowing what influences your rates allows you to make educated decisions that may reward you with better insurance coverage rates.

Shown below are some of the items companies use to determine rates.

  • Occupation reflects on rates – Occupations like lawyers, executives and dentists tend to pay the highest average rates attributed to stressful work requirements and lengthy work days. Other occupations such as actors, historians and retirees have the lowest average rates for MKT insurance.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can expect either higher rates or even cancellation. Companies give discounts to drivers who do not file claims often. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Policy add-ons can waste money – There are a lot of add-on coverages that can waste your money if you aren’t careful. Coverages for personal injury protection, accident forgiveness and motor club memberships are some examples. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate them to save money.
  • Multiple policies with one company can save – The majority of companies will award you with lower prices to insureds who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • Careful drivers pay lower rates – Good drivers get better rates compared to drivers with tickets. Even one speeding ticket can increase rates by as much as thirty percent. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Safer occupants lowers premiums – Cars with high safety ratings are cheaper to insure. Safe vehicles reduce injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If your Lincoln MKT is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Allowing your policy to lapse raises rates – Not having insurance is illegal and insurance coverage companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage may earn you a revoked license or a big fine.Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Free Quotes for Car Insurance

There are multiple methods you can shop for 2012 Lincoln MKT car insurance but there is one way that is easier and takes less work. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many of the larger companies belong to an insurance system that enables customers to enter their coverage request one time, and every company can give them a price based on that data. This eliminates the need for quote forms for each company.

To find out how much you’re overpaying now click here to open in new window.

The single downside to using this type of system is that consumers can’t choose which carriers you will receive quotes from. So if you want to select specific providers to compare prices, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare the exact same coverage limits and deductibles for each price quote. If you use different values for each quote it’s impossible to determine which rate is truly the best.

Don’t be fooled by advertising claims

Drivers constantly see and hear ads that promise big savings from companies such as Allstate, GEICO and Progressive. All the companies make the same claim about savings if you move your policy.

How does each company say the same thing?

All companies can use profiling for the type of driver they prefer to insure. For example, a preferred risk could possibly be between 25 and 40, owns a home, and has excellent credit. A driver who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don’t meet these standards will have to pay a more expensive rate which usually ends up with business not being written. The ads state “customers who switch” not “everyone that quotes” save money. That is how insurance companies can make the claims of big savings.

Because of the profiling, you need to quote coverage with many companies. It’s not possible to predict which company will have the lowest Lincoln MKT insurance rates.

Lots of discounts mean lots of savings

Insuring your vehicles can cost a lot, but companies offer discounts to reduce the price significantly. Most are applied at the time of quoting, but some must be manually applied before you will receive the discount. If you aren’t receiving every discount available, you are throwing money away.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Safety Course Discount – Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for MKT insurance than drivers with accident claims.
  • No Accidents – Drivers who don’t have accidents pay much less when compared to bad drivers.
  • Homeowners Discount – Owning a house can save you money because of the fact that having a home is proof that your finances are in order.
  • Life Insurance Discount – Some companies give lower rates if you buy life insurance from them.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. But any discount will help reduce the amount you have to pay.

To see a list of companies with discount insurance coverage rates, follow this link.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Situations that might require an agent

When choosing the best insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Is upholstery damage covered by car insurance?
  • When should my teen driver be added to my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need an umbrella policy?
  • If my 2012 Lincoln MKT is totaled, can I afford another vehicle?
  • When would I need additional glass coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my babysitter drive my car?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your car insurance policy

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they 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.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane, damage from flooding, hitting a bird and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as pain medications, ambulance fees and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your MKT caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Liability coverages

Liability coverage can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like pain and suffering, repair costs for stationary objects and structural damage. How much coverage you buy is up to you, but consider buying as large an amount as possible.

In conclusion

Budget-conscious 2012 Lincoln MKT insurance can be sourced online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We covered many ways to lower your insurance rates. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the most savings is with an unexpected company. These companies may only write in your state and offer lower rates compared to the large companies like Allstate, GEICO and Progressive.

More information

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Lincoln MKT Insurance Rates by City
City Premium
New York City, NY $2,175
Los Angeles, CA $2,349
Philadelphia, PA $1,834
Jacksonville, FL $1,995
Phoenix, AZ $1,602
Chicago, IL $1,843
Houston, TX $2,153
Seattle, WA $1,338
Columbus, OH $1,147
Indianapolis, IN $1,171

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Lincoln MKT Insurance Rates by Driver Age
Driver Age Premium
16 $5,300
20 $3,144
30 $1,416
40 $1,378
50 $1,258
60 $1,232

Full coverage, $500 deductibles

Rates by Deductible

2012 Lincoln MKT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,670
$250 $1,536
$500 $1,378
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKT Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,482
100/300 $1,612
250/500 $1,950
100 CSL $1,534
300 CSL $1,820
500 CSL $2,028

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Lincoln MKT Insurance Rates for High Risk Drivers
Age Premium
16 $7,520
20 $5,010
30 $3,010
40 $2,962
50 $2,830
60 $2,802

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 $187

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $73
Homeowner $22
5-yr Accident Free $92
5-yr Claim Free $88
Paid in Full/EFT $56
Advance Quote $64
Online Quote $96
Total Discounts $563
Rate after discounts $815

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 MKT Insurance Rates by State
State Premium
Alabama $1,244
Alaska $1,054
Arizona $1,144
Arkansas $1,378
California $1,566
Colorado $1,312
Connecticut $1,412
Delaware $1,556
Florida $1,720
Georgia $1,270
Hawaii $988
Idaho $932
Illinois $1,024
Indiana $1,036
Iowa $928
Kansas $1,306
Kentucky $1,876
Louisiana $2,036
Maine $850
Maryland $1,134
Massachusetts $1,100
Michigan $2,386
Minnesota $1,152
Mississippi $1,648
Missouri $1,220
Montana $1,478
Nebraska $1,084
Nevada $1,650
New Hampshire $992
New Jersey $1,536
New Mexico $1,216
New York $1,450
North Carolina $792
North Dakota $1,128
Ohio $948
Oklahoma $1,412
Oregon $1,258
Pennsylvania $1,310
Rhode Island $1,834
South Carolina $1,246
South Dakota $1,162
Tennessee $1,202
Texas $1,656
Utah $1,018
Vermont $942
Virginia $824
Washington $1,062
West Virginia $1,260
Wisconsin $952
Wyoming $1,224

Free Auto Insurance Comparison

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