2013 Lincoln MKT Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

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Have you fallen victim to an overpriced insurance coverage policy? You’re in good company because there are lots of people in the same boat. Big-name insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings with fancy advertisements and it can be hard to ignore the flashy ads and take the time to shop coverage around.

These discounts can lower auto insurance rates

Auto insurance is not cheap nor is it fun to buy but there could be significant discounts to cut the cost considerably. Certain reductions will be credited when you complete an application, but a few must be specially asked for in order for you to get them.

  • Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease for MKT insurance depending on your company.
  • Low Mileage Discounts – Low annual miles can earn substantially lower premium rates.
  • Distant College Student Discount – Youth drivers who are attending college and do not take a car to college may be able to be covered for less.
  • Clubs and Organizations – Joining a qualifying organization is a simple method to lower premiums on your next auto insurance statement.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.
  • Paperless Signup – Certain auto insurance companies may give you up to $50 for buying your policy on your computer.

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

Insurance companies that may include these benefits possibly include:

  • Travelers
  • Nationwide
  • Farmers Insurance
  • Esurance
  • State Farm
  • Progressive
  • Mercury Insurance

Before purchasing a policy, check with every company which discounts can lower your rates. Some credits may not apply to policyholders in every state. To see a list of insurance companies that have a full spectrum of discounts, enter your zip code here.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might point out whether you might need an agent’s assistance.

  • I don’t drive much so do I pay less?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is UM/UIM insurance?
  • Am I better off with higher deductibles on my 2013 Lincoln MKT?
  • What is no-fault insurance?
  • Are rental cars covered under my policy?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and enter your zip code. It is quick, free and can provide invaluable advice.

Does insurance advertising bend the truth?

Consumers can’t escape the ads that claim the lowest rates from the likes of Allstate and Progressive. They all seem to say the same thing that you can save just by switching your coverage to them.

Is it even possible that every company can offer you a better deal? It’s all in how they say it.

Different companies quote their best rates for the right customer that makes them money. An example of this type of risk profile might have to be over the age of 40, carries full coverage, and drives less than 5,000 miles a year. Anyone who meets those qualifications will probably get the lowest rates and will probably save a lot if they switch.

Potential customers who don’t qualify for the requirements will be charged a higher premium which leads to the prospect going elsewhere. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can make claims like that.

Because of this risk profiling, you absolutely need to do a quote comparison often. Because without a comparison, you cannot know with any certainty which company will have the best prices at this point in time.

What insurance coverages do you need?

Having a good grasp of a insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, fire damage, vandalism, rock chips in glass and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This coverage can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, loss of income, medical services, legal defense fees and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for X-ray expenses, doctor visits and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a building, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Lincoln MKT.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liability limits.

And the best car insurance company is…

We just covered many ways to reduce 2013 Lincoln MKT insurance car insurance rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding low cost insurance coverage. Consumers may even find the best car insurance rates are with the smaller companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

When searching for the cheapest insurance coverage quotes, don’t be tempted to skimp on coverage in order to save money. There have been many cases where an accident victim reduced physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

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