Cheap 2015 Lincoln MKC Car Insurance Cost

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 13, 2015

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Price shopping your insurance can be difficult for consumers not familiar with shopping for insurance online. Consumers have so many options that it can quickly become a big hassle to find lower rates.

You need to compare rates yearly because prices fluctuate regularly. Despite the fact that you may have had the lowest price on MKC coverage six months ago the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about insurance online but by reading this article, you’re going to learn the best ways to put money back in your pocket.

Save big with these discounts

Companies do not list every available discount very clearly, so we researched some of the best known and the harder-to-find savings tricks you should be using.

  • Organization Discounts – Participating in a professional or civic organization is a good way to get lower rates on your policy on MKC coverage.
  • Auto/Home Discount – If you have multiple policies with the same company you may save up to 20% off your total premium.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on MKC coverage depending on your company.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on MKC coverage than drivers with accident claims.
  • Low Mileage Discounts – Fewer annual miles on your Lincoln can earn a substantially lower rate.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • No Claims – Drivers with accident-free driving histories pay less when compared with accident-prone drivers.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

Insurance companies that may offer these money-saving discounts include:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts may not be available everywhere.

The method we recommend to compare policy rates is to know most insurance companies participate in a system to compare rate quotes. The only thing you need to do is provide details including if you have an active license, what you do for a living, types of safety features, and how much you drive. The rating information is automatically sent to multiple auto insurance providers and you will get price comparisons very quickly.

But I don’t know anything about car insurance

When it comes to choosing coverage, there isn’t really a one size fits all plan. Each situation is unique.

For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Why do I only qualify for high-risk insurance?
  • Do all my vehicles need collision coverage?
  • Should I carry comprehensive and collision coverage?
  • Can my babysitter drive my car?
  • How high should my uninsured/underinsured coverage be in my state?
  • How high should my medical payments coverage be?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Coverage specifics

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, rock chips in glass, a tree branch falling on your vehicle and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability insurance can cover damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others. Liability 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. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like court costs, bail bonds and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, X-ray expenses, doctor visits, dental work and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Lincoln MKC.

Due to the fact that 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.

Smart shoppers get results

We covered a lot of ways to compare 2015 Lincoln MKC insurance prices online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a small local company.

Affordable insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, you should never buy poor coverage just to save money. There are many occasions where consumers will sacrifice full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

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