2013 Lincoln MKS Insurance Rates

Average insurance rates for a 2013 Lincoln MKS are $1,288 a year for full coverage insurance. Comprehensive insurance costs an estimated $278 a year, collision insurance costs $484, and liability costs $390. Buying a liability-only policy costs as little as $438 a year, and high-risk insurance costs $2,790 or more. Teen drivers receive the highest rates at up to $4,800 a year.

Annual premium for full coverage: $1,288

Rate estimates for 2013 Lincoln MKS Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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

View Chart as Image

These differences illustrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Nobody cherishes buying car insurance, particularly when the cost is way too high. You have so many car insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more challenging to compare rates and find the lowest cost car insurance.

Best discounts on Lincoln MKS coverage

Auto insurance companies do not advertise all their discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known car insurance savings. If they aren’t giving you every credit possible, you are throwing money away.

• Good Student – Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
• Low Mileage Discounts – Fewer annual miles on your Lincoln can qualify you for discounted rates on garaged vehicles.
• Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
• Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Accident Waiver – Some insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
• No Accidents – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
• Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school.

It’s important to understand that most of the big mark downs will not be given the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So when it seems like you can get free auto insurance, car insurance companies aren’t that generous.

A partial list of companies that may have these discounts include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• GEICO
• State Farm

Check with all companies you are considering what discounts are available to you. Some discounts might not apply in your area.

Parts of the Lincoln MKS rate equation

It’s important that you understand the rating factors that play a part in calculating the rates you pay for insurance. Understanding what impacts premium levels enables informed choices that could result in lower insurance prices.

• Men fork out a little more – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. They both tend to get into accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like reckless driving and DUI.
• Do you work long hours in a high stress job? – Careers like real estate brokers, social workers and accountants tend to have higher rates than average in part from stressful work requirements and long work hours. On the flip side, occupations like pilots, athletes and the unemployed receive lower rates for MKS insurance.
• Adjust deductibles and save – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Lincoln. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more expense the insured has to pay upfront, the less your company will charge you for insurance for MKS insurance.
• Do you know you’re credit rating? – Your credit history is a big factor in determining your rates. Therefore, if your credit is not that good, you could potentially save money when insuring your 2013 Lincoln MKS by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.

Tailor your coverage to you

When choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

• Am I covered when pulling a rental trailer?
• Do I need PIP (personal injury protection) coverage in my state?
• Is upholstery damage covered by car insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Is my teen driver covered when they drive my company car?
• Is motorclub coverage worth it?
• Should I buy more coverage than the required minimum liability coverage?
• Are my friends covered when driving my car?
• What is no-fault insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance coverage myths debunked

Consumers constantly see and hear ads for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all seem to make an identical promise that you can save if you move to them.

How can each company make almost identical claims?

All the different companies have a preferred profile for the type of customer that earns them a profit. For example, a desirable insured could be between 30 and 50, has no tickets, and has great credit. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the “perfect” profile must pay higher premiums which leads to the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that much. That is how companies can truthfully make those claims. This illustrates why it is so important to quote coverage with many companies. It’s impossible to know which insurance companies will give you the biggest savings on Lincoln MKS insurance.

Auto insurance coverages

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they 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 many 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.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like chiropractic care, prosthetic devices, pain medications and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, sideswiping another vehicle, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability insurance covers things like emergency aid, court costs and medical services. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverages – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, falling objects and a broken windshield. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Buy online or local, you save

You just read some good ideas how you can reduce 2013 Lincoln MKS insurance prices online. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from a small local company. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.

The cheapest insurance can be found on the web and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

More tips and info about car insurance can be read in these articles:

• Child Safety FAQ (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Determing Auto Insurance Rates (GEICO)
• Frontal Crash Tests (iihs.org)
• Teen Driving Statistics (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)