2014 Lincoln MKT Insurance Quotes in 2024

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

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Tired of not being able to afford to pay your car insurance bill each month? You are no different than many other consumers.

With drivers having so many choices of insurance companies, it can be hard to choose the lowest cost company.

It’s a good habit to take a look at other company’s rates as often as possible because car insurance prices tend to go up over time. Just because you had the best price for MKT insurance last year you can probably find a lower rate today. There are lots of tips to save on car insurance online, but in this article, you’re going to get a bunch of ideas how to lower your car insurance bill.

Finding affordable coverage is easy if you know what you’re doing. Essentially every driver who is required by state law to have car insurance will be able to find lower rates. Although car owners do need to learn how the larger insurance companies market on the web.

Compare car insurance rate quotes online

Effectively comparing car insurance prices can take hours if you aren’t aware of the best way to get rate quotes. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can utilize online quoting for quick rates.

Most major companies belong to a marketplace where insurance shoppers only type in their quote data once, and each company returns a rated price determined by their information. This saves time by eliminating quote forms for each company you want a rate for.

To find out what other companies charge enter your zip code here.

The only downside to comparing rates this way is you are unable to specify which carriers to get quotes from. So if you prefer to choose from a list of companies to compare prices, we have assembled a list of the cheapest car insurance companies in your area. Click to enter zip code.

Compare rates however you want, just double check that you are using the exact same coverage data for each quote you get. If you enter different deductibles you will not be able to make an equal comparison. Slightly different insurance coverages could skew the results. And when comparison shopping, obtaining a wide range of quotes helps increase your odds of locating the best offered rates.

Drivers save money with with these discounts

Auto insurance is easily one of your largest bills, but you might be missing out on some discounts that could help you make your next renewal payment. Certain credits will be shown when you quote, but some discounts are required to be asked for before you get the savings.

  • Active Military Service – Being deployed in the military can result in better prices.
  • Homeowners Pay Less – Owning a home may earn you a small savings because it requires a higher level of personal finance.
  • New Car Discount – Putting coverage on a new car can get you a discount because newer vehicles keep occupants safer.
  • Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Discount for Passive Restraints – Factory options such as air bags can get savings of 20% or more.
  • Club Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your policy.
  • Paperwork-free – Some companies provide a small discount for completing your application on the web.
  • Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Student in College – Older children who attend college more than 100 miles from home and leave their car at home may be insured at a cheaper rate.

A quick disclaimer, most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will positively reduce your policy premiums.

A few of the larger companies and some of the discounts are:

  • Farm Bureau may include discounts for multi-policy, youthful driver, renewal discount, driver training, multi-vehicle, and safe driver.
  • MetLife includes discounts for multi-policy, claim-free, accident-free, good driver, defensive driver, and good student.
  • Progressive may have discounts that include multi-policy, online signing, good student, homeowner, multi-vehicle, online quote discount, and continuous coverage.
  • AAA offers discounts for anti-theft, pay-in-full, multi-car, AAA membership discount, good student, multi-policy, and education and occupation.
  • American Family discounts include TimeAway discount, multi-vehicle, accident-free, bundled insurance, and good driver.
  • GEICO policyholders can earn discounts including military active duty, five-year accident-free, multi-policy, anti-theft, multi-vehicle, defensive driver, and good student.
  • State Farm has savings for defensive driving training, anti-theft, Steer Clear safe driver discount, Drive Safe & Save, and passive restraint.

It’s a good idea to ask each company what discounts are available to you. Some credits may not be available in your area. To locate insurance companies that offer multiple discounts, enter your zip code here.

Your situation helps dictate your coverage

When choosing the best car insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that For example, these questions may help highlight whether you might need professional guidance.

  • Do I really need UM/UIM coverage?
  • Do I have coverage when making deliveries for my home business?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when using my vehicle for my home business?
  • What is PIP insurance?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Insurance policy coverages for a 2014 Lincoln MKT

Knowing the specifics of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Collision protection

This pays for damage to your MKT resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like X-ray expenses, prosthetic devices, pain medications and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from getting keyed, rock chips in glass, vandalism and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability auto insurance

This coverage protects you from damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, pain and suffering, emergency aid, court costs and medical expenses. How much coverage you buy is your choice, but consider buying as much as you can afford.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption