Compare 2018 Lincoln MKT Car 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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Price shopping your Driversinsurance coverage may be slightly frustrating for drivers who have little experience online rate comparisons. You have so many options available that it can easily turn into a difficult mission to lower your rates.

Insurance rate influencing factors

Multiple criteria are considered when quoting car insurance. Most are fairly basic such as your driving record, but other criteria are less obvious such as your credit history or how safe your car is.

Shown below are some of the major factors used by your company to calculate prices.

  • Your car’s features help determine premiums – Driving a car that has a built-in theft deterrent system can help lower your premiums. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • Does your employer raise your rates? – Jobs like doctors, executives and medical professionals generally pay higher premium rates due to high stress and lengthy work days. Other jobs such as farmers, engineers and performers pay lower than average rates on MKT coverage.
  • Do you really need to file that car insurance claims? – If you are a frequent claim filer, you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies generally give better rates to insureds who are claim-free. Your insurance policy is intended to be relied upon for more catestrophic claims.
  • No policy gaps is important – Letting your insurance expire is a quick way to pay more for car insurance. Not only will rates go up, failure to provide proof of insurance could earn you a revoked license or a big fine.
  • Combine policies and save – Some car insurance companies allow discounts to buyers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount applied, you may still want to shop around to make sure you are getting the best deal. You may still save more without the discount by buying insurance from more than one company.
  • Buy a safe car and pay less – Safe vehicles are cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and fewer serious injuries means less claims paid and lower rates for you. If the Lincoln MKT has ratings of a minimum four stars on or an “acceptable” rating on it may cost less to insure.
  • High credit scores save money – A driver’s credit history is likely to be a major factor in your rate calculation. People that have excellent credit tend to be more responsible as compared to drivers with lower credit scores. Therefore, if your credit rating could use some work, you may save money insuring your 2018 Lincoln MKT by taking the time to improve your credit score.

How to compare free insurance coverage quotes

Most major insurance companies such as Allstate, GEICO and Progressive make it easy to get coverage prices direct online. Comparing rates online is fairly straightforward as you simply enter the amount of coverage you want into the quote form. When complete, their quoting system sends out for reports for credit and driving violations and generates pricing information determined by many factors.

Online price estimates makes it simple to compare prices but the work required to visit multiple sites and type in the same information is not the best way to spend an afternoon. But it’s also necessary to perform this step if you are searching for lower prices.

A more efficient way to lower your insurance coverage bill utilizes a single form that gets prices from several different companies. It saves time, requires much less work on your part, and makes online quotes a little more enjoyable. As soon as you send your information, it gets priced with multiple companies and you can pick any or none of the price quotes you receive. If the quotes result in lower rates, you can click and sign and buy the new coverage. It only takes a few minutes and may save quite a bit of money.

To quickly get comparison pricing now, simply enter your zip code here and complete the simple form. If you have coverage now, it’s recommended you duplicate the coverages as close as possible to your current policy. Using the same limits helps guarantee you will have an apples-to-apples comparison using the exact same coverages.

Auto insurance discounts are available to lower your rates

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be specifically requested before being credited.

  • Fewer Miles Equal More Savings – Maintaining low annual mileage could earn lower auto insurance rates on the low mileage vehicles.
  • Telematics Discount – People who choose to allow their auto insurance company to scrutinize vehicle usage by using a telematics device in their vehicle like Allstate’s Drivewise could possibly reduce rates if their driving habits are good.
  • E-sign Discounts – A handful of companies will discount your bill up to fifty bucks simply for signing on the web.
  • Defensive Driver – Participating in a class that teaches defensive driver techniques could cut 5% off your bill and also improve your driving technique.
  • Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.
  • Early Switch Discount – A few auto insurance companies give discounts for signing up early. It could save around 10% when you buy auto insurance online.
  • Memberships – Having an affiliation with a professional or civic organization could trigger savings when shopping for auto insurance.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.

As a sidenote, most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, it just doesn’t work that way.

Insurance companies that may offer quotes with some of the above discounts include:

  • Farm Bureau
  • State Farm
  • Progressive
  • Allstate
  • Nationwide
  • MetLife

When getting a coverage quote, ask every insurance company which discounts can lower your rates. Some credits might not apply in your area. To choose insurers that offer the discounts shown above, enter your zip code here.

Everyone needs different auto insurance coverages

When it comes to buying adequate coverage, there is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions may help you determine if your insurance needs may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • What if I total my 2018 Lincoln MKT and owe more than it’s worth?
  • Is my babysitter covered when using my vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my 2018 Lincoln MKT covered for flood damage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How much can I save by bundling my policies?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete your zip code.

Car insurance coverages and their meanings

Understanding the coverages of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, falling objects, hail damage, theft and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for funeral costs, X-ray expenses, pain medications and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your MKT resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like bail bonds, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

More choices the merrier

Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, policy cancellation, denial of a claim or not issuing a premium refund. No matter why you want to switch, choosing a new company is not as hard as you think.

You just learned many ways to shop for 2018 Lincoln MKT insurance online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding inexpensive auto insurance. You may even find the best price on insurance coverage is with a lesser-known regional company.

More affordable insurance coverage can be sourced from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance coverage companies may not provide internet price quotes and usually these small insurance companies only sell coverage through local independent agencies.

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