2015 Lincoln MKT Insurance Rates
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UPDATED: Nov 16, 2021
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Average insurance rates for a 2015 Lincoln MKT are $1,526 a year with full coverage. Comprehensive insurance costs around $312 a year, collision costs $524, and liability costs $510. Buying a liability-only policy costs as little as $568 a year, with high-risk insurance costing $3,298 or more. Teenage drivers receive the highest rates at $5,776 a year or more.
Annual premium for full coverage: $1,526
Rate estimates for 2015 Lincoln MKT Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 a 40-year-old driver, prices range go from as low as $568 for just liability coverage to a high of $3,298 for high-risk insurance.
These differences demonstrate why it is important for drivers to compare rates for a specific zip code and risk profile, instead of using average rates.
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 2015 Lincoln MKT Insurance
Trying to find better insurance coverage rates for your Lincoln MKT? Scraping up a payment for overpriced Lincoln MKT insurance can overdraw your bank account and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. With so many options, it’s difficult to locate the right insurer.
It’s a great practice to price shop coverage periodically since rates are adjusted regularly by insurance companies. Even if you think you had the best deal on MKT insurance last year there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because you’re about to find out the best way to reduce your cost while improving coverage.
Finding affordable coverage is quite easy. If you have insurance now or are shopping for new coverage, you can use this information to find the best rates while maintaining coverages. Drivers just need to know the proper methods to shop their coverage around online.
How to save on Lincoln MKT insurance
Companies that sell car insurance don’t list every discount in a way that’s easy to find, so we break down both well-publicized and the more hidden car insurance savings. If you aren’t receiving every discount available, you are paying more than you should be.
- Passive Restraints – Factory air bags can qualify for discounts of 20% or more.
- Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
- Low Mileage – Low mileage vehicles can earn lower rates on the low mileage vehicles.
- Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
- Paperless Signup – A few companies give back up to $50 just for signing your application digitally online.
- Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
As a disclaimer on discounts, some credits don’t apply to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you won’t be that lucky.
A partial list of companies that may have these discounts include:
Double check with each insurance company which discounts you may be entitled to. Discounts may not apply in your area.
Can you really save that much by switching?
Consumers constantly see and hear ads for car insurance savings from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing of big savings if you switch your coverage to them.
How do they all make almost identical claims?
Insurance companies have a certain “appetite” for the type of driver that is profitable for them. An example of a desirable insured could possibly be over the age of 40, has no tickets, and has a short commute. A customer getting a price quote who fits that profile will get the preferred rates and most likely will save when they switch companies.
Potential customers who do not match this ideal profile will be quoted higher rates which leads to business not being written. The ads state “customers who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently advertise the way they do. This emphasizes why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict the company that will have the lowest Lincoln MKT insurance rates.
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Tailor your coverage to you
When choosing the best insurance coverage coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you could use an agent’s help.
- Why do I only qualify for high-risk insurance?
- What happens if I owe more than my 2015 Lincoln MKT is worth?
- Why do I need rental car insurance?
- Are there companies who specialize in insuring high-risk drivers?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Is extra glass coverage worth it?
- Am I covered when pulling a rental trailer?
- Where can I find DUI or SR-22 insurance?
If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.
Car insurance coverages and their meanings
Having a good grasp of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most car insurance policies.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Liability coverages – Liability coverage can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability coverage pays for claims like attorney fees, medical expenses, loss of income and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as hitting a deer, damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision – This will pay to fix damage to your MKT 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 can pay for things like hitting a mailbox, colliding with a tree, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.
Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, pain medications, surgery, ambulance fees and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Best coverage at the best price
You just learned a lot of tips how to shop for 2015 Lincoln MKT insurance online. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even discover the lowest premiums are with some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.
As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There are too many instances where an insured dropped full coverage to discover at claim time they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.
For more information, feel free to browse the articles below:
- Vehicle Safety Ratings (iihs.org)
- Safety Features for Your New Car (State Farm)
- Tools for Teen Driving Safety (State Farm)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Winter Driving (Insurance Information Insitute)
- Drunk Driving Statistics (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$2,412|
|Los Angeles, CA||$2,610|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$108|
|5-yr Claim Free||$98|
|Paid in Full/EFT||$67|
Discounts are estimated and may not be available from every company or in every state.