Compare 2016 Lincoln MKT 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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Searching for lower auto insurance rates for your Lincoln MKT? Baffled by the number of auto insurance choices that you can choose from? Many other drivers are as well. There are so many choices available that it can quickly become a challenge to compare rates.

Find hidden discounts to get affordable insurance rates

Car insurance companies don’t always advertise all discounts in a way that’s easy to find, so the following is a list of both well-publicized in addition to some of the lesser obvious insurance savings. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.

  • Multiple Policy Discount – If you can bundle your auto and home insurance and insure them with the same company you may save 10% to 20% off each policy.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have more than one vehicle on a single policy can get a discount for every vehicle.
  • Professional Organizations – Belonging to a qualifying organization can get you a small discount when shopping for insurance.
  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions so companies give up to a 10% discount.
  • Responsible Driver Discounts – Accident-free drivers may receive a discount up to 45% for MKT insurance than drivers with accident claims.
  • Defensive Driver Discount – Participating in a driver safety course could save 5% or more if you qualify.
  • Senior Discount – Drivers over the age of 55 may receive lower premium rates for MKT insurance.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.

Just know that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will reduce your policy premiums.

If you would like to view insurers that offer multiple discounts, enter your zip code here.

Insurance prices are influenced by these factors

Consumers need to have an understanding of the factors that help calculate your premiums. If you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to lower auto insurance prices. Lots of things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but others are less obvious such as your credit history or your commute time.

  • Tickets can be expensive – How you drive influences premium rates substantially. Having just one speeding ticket can boost insurance rates by as much as twenty percent. Careful drivers get better prices than their less careful counterparts. Drivers unfortunate enough to have flagrant violations such as reckless driving, hit and run or driving under the influence might be required by their state to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • Consolidate policies with the same company – Some companies afford a discount to buyers who buy several policies from them. It’s known as a multi-policy discount. Even if you already get this discount, you still need to shop around to verify if the discount is saving money. It’s possible to still save money by buying auto insurance from a different company.
  • Your gender affects prices – Over the last 30 years, statistics show women are more cautious behind the wheel. It does not mean women are BETTER drivers than men. Men and women are in accidents at about the same rate, but the male of the species have costlier accidents. Men also have more aggressive citations like DWI (DUI) or reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Pleasure use saves money – The more miles you rack up on your Lincoln annually the more you will pay for auto insurance. Many insurance companies apply a rate based upon how the vehicle is primarily used. Vehicles that sit idle most of the time cost less to insure than those that get driven frequently. Having an incorrect usage rating on your MKT may be costing you higher rates. It’s always a good idea to double check that your auto insurance policy is showing how each vehicle is driven, because it can save money.

Tailor your insurance coverage coverage to you

When buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether or not you may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • Who is covered when they drive my 2016 Lincoln MKT?
  • Can I afford low physical damage deductibles?
  • What if I don’t agree with a claim settlement offer?
  • Do I benefit by insuring my home with the same company?
  • What should my uninsured motorist coverage limits be in my state?
  • How do I buy GAP insurance?
  • What vehicles should carry emergency assistance coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Does my 2016 Lincoln MKT qualify for pleasure use?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out your zip code.

The auto insurance bait and switch

Big name companies like GEICO, State Farm and Progressive seem to constantly run television, radio, and online ads. They all seem to say the same thing that people will save if you get a free car insurance quote and switch your auto insurance policy to them. How is it possible that every company can claim to save you money? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer that earns them the most money. A good example of a profitable customer might be over the age of 50, carries full coverage, and chooses high deductibles. Anybody that fits those parameters will probably get the lowest prices and most likely will save a lot of money.

Insureds who fall short of those criteria will probably have to pay more expensive rates and this can result in the customer not buying. Company advertisements say “drivers who switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can confidently advertise the savings.

This really illustrates why you really should get price quotes at each policy renewal. It’s just not possible to know with any certainty which company will fit you best based on your risk profile.

Auto insurance coverage specifics

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Liability insurance – Liability coverage can cover damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have 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. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as medical services, medical expenses, attorney fees, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive auto insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, hail damage, falling objects, theft and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for bills like chiropractic care, nursing services, dental work and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – This pays for damage to your MKT caused by collision 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 coverage pays for things like colliding with a tree, scraping a guard rail, driving through your garage door, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Online plus local equals savings

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There have been many cases where an insured cut uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Throughout this article, we presented many tips how you can shop for 2016 Lincoln MKT insurance online. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

Cost effective 2016 Lincoln MKT insurance can be bought on the web in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not offer price quotes online and these small, regional companies only sell coverage through local independent agents.

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