2015 Lincoln MKZ Insurance Rates
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UPDATED: Mar 4, 2020
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Average insurance rates for a 2015 Lincoln MKZ are $1,534 a year for full coverage. Comprehensive costs an estimated $270 a year, collision insurance costs $574, and liability costs around $510. Buying a liability-only policy costs as low as $568 a year, and high-risk insurance costs around $3,350. Teenage drivers receive the highest rates at up to $5,906 a year.
Annual premium for full coverage: $1,534
Rate estimates for 2015 Lincoln MKZ Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 Lincoln MKZ 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 middle-aged driver, prices range range from as low as $568 for a discount liability-only rate to a high of $3,350 for a high risk driver.
These differences show why it is important for drivers to compare prices for a targeted area 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 MKZ Insurance
Want the cheapest car insurance rates for your Lincoln MKZ? Have you had enough of paying out the nose to buy car insurance? You are in the same boat as millions of other consumers.
Many insurance companies compete for your hard-earned dollar, so it’s not easy to compare every provider to find the lowest rate
If you are paying for car insurance now, you should be able to save some money using these techniques. Finding the best rates is quite easy. Although car owners need to have an understanding of how insurance companies market on the web.
Discounts are great for lower rates
The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount.
- Multiple Policy Discount – If you insure your home and vehicles with one company you will save up to 20% off your total premium.
- Discount for Life Insurance – Some companies give better rates if you take out life insurance from them.
- More Vehicles More Savings – Having multiple cars or trucks on the same car insurance policy could earn a price break for each car.
- No Claims – Drivers with accident-free driving histories can earn big discounts compared to drivers who are more careless.
- Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
- Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
It’s important to note that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will help reduce your premiums.
To see a list of providers offering car insurance discounts, click here to view.
Your Lincoln MKZ insurance rate is a complex equation
It’s important that you understand the different types of things that play a part in calculating insurance rates. Knowing what controls the rates you pay enables informed choices that could result in better insurance rates.
- Do you know your deductibles? – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Lincoln from damage. Examples of covered claims are colliding with a building, damage caused by hail, and burglary. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more you’re willing to pay, the less your insurance will be on MKZ coverage.
- Better credit scores mean better rates – Credit score is a big factor in calculating your insurance rates. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit ratings. So if your credit history is low, you could save money insuring your 2015 Lincoln MKZ by improving your credit score.
- Do you have enough liability coverage? – The liability section of your policy is the coverage that protects you when a jury decides you are liable for personal injury or accident damage. Liability provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
- Claim-free discounts can add up – If you file claims often, you can expect higher rates. Auto insurance companies give discounts to drivers who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
- Extra coverages can waste money – There are a lot of add-on coverages that can waste your money on your insurance policy. Coverages like vanishing deductibles, accident forgiveness and membership fees are examples of these. They may seem good at first, but your needs may have changed so get rid of them and save.
- With age comes lower rates – Teen drivers are known to be more careless in a vehicle so insurance rates are higher. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
- Never let your coverage lapse – Not having insurance is illegal and you will pay a penalty because you let your coverage lapse. Not only will rates go up, getting caught without coverage can result in a hefty fine and possibly a revoked license.You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
You may need specialized coverage
When it comes to buying coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions can help discover whether your personal situation would benefit from professional advice.
- Does my medical payments coverage pay my health insurance deductible?
- When would I need rental car insurance?
- Do I need to file an SR-22 for a DUI in my state?
- Are split liability limits better than a combined single limit?
- How do I buy GAP insurance?
- Is extra glass coverage worth it?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
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Insurance coverage options for a 2015 Lincoln MKZ
Having a good grasp of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.
Liability insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims such as medical expenses, structural damage and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.
Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as colliding with another moving vehicle, hitting a mailbox, crashing into a building, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Lincoln MKZ.
Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.
Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses like ambulance fees, chiropractic care, surgery and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Comprehensive (Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like rock chips in glass, hitting a deer and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
One last thing about your coverage
As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. In many cases, an insured dropped liability coverage limits only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.
You just read many ideas to get a better price on 2015 Lincoln MKZ insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest rates come from the least-expected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.
More information can be read at these links:
- Understanding Limits and Deductibles (Allstate)
- Teen Driver Statistics (Insurance Information Insitute)
- Where can I buy Insurance? (Insurance Information Insitute)
- Car Insurance: When not to Skimp (BankRate.com)
- Safety Features for Your New Car (State Farm)
Rates by U.S. City
|New York City, NY||$2,421|
|Los Angeles, CA||$2,622|
Need a specific model?
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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||$113|
|5-yr Claim Free||$100|
|Paid in Full/EFT||$69|
Discounts are estimated and may not be available from every company or in every state.