Compare 2020 Lincoln MKZ 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 22, 2024

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Trying to find the cheapest insurance coverage rates for your Lincoln MKZ? Are you burned out from not being able to afford to make your insurance coverage payment? You are in the same boat as most other drivers.

With drivers having so many insurance companies to choose from, it’s difficult to find a lower cost insurance company.

The best way we recommend to compare car insurance company rates utilizes the fact most larger insurance companies provide online access to provide you with free rate quotes. All consumers are required to do is provide the companies a bit of rating information such as what your job is, if you require a SR-22, level of coverage desired, and how you use your vehicles. That information is submitted instantly to many highly-rated insurers and you should receive rate quotes instantly to find the best rate.

Do drivers who switch really save $434 a year?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with television, radio, and online ads. All the ads make the point about how much you will save if you move your coverage to them. How is it possible that every company can say the same thing? Just pay attention to how they say it.

Many companies are able to cherry pick for the type of customer that will generate a profit. An example of a preferred risk might be a female over age 40, has never had a policy lapse, and drives a car with an anti-theft system. Any person who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates if they switch.

Potential insureds who do not match those standards will get higher rates with the end result being business not being written. If you listen closely, the ads state “drivers who switch” not “everybody who quotes” save that much money. This is how insurance companies can make it sound like they have such great prices. Because of this risk profiling, it is so important to do a quote comparison often. Because you cannot predict which insurance companies will fit your personal profile best.

The Lincoln MKZ insurance cost equation

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that help calculate the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that could result in lower rates. Many things are considered when you get your auto insurance bill. Some are obvious such as your driving history, but other criteria are less obvious such as whether you are married or how safe your car is.

The items below are some of the major factors companies use to determine prices.

  • Eliminate incidental coverages – Insurance companies have many extra add-on coverages that you can get tricked into buying but may not be useful. Things like personal injury protection, better glass coverage, and motor club memberships could be just wasting money. These may sound like a good investment when talking to your agent, but now you might not need them so remove them and pocket the money.
  • How much liability insurance – The liability section of your policy provides coverage when a court rules you are at fault for physical damage or personal injury to other. Your liability coverage provides you with a defense in court up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Women tend to be lower risk – The statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Both sexes cause accidents in similar percentages, but the male of the species get into accidents with more damage. Men also get cited for more serious violations like driving under the influence (DUI).
  • Save money by having multiple policies – Most insurers will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to compare other company rates to help guarantee you have the best rates.
  • Your stress level may be raising your premiums – Did you know your job can affect your rates? Occupations like real estate brokers, airline pilots and accountants tend to pay higher premium rates in part from intense work requirements and long work hours. Conversely, careers like farmers, athletes and retirees pay lower than average rates on MKZ coverage.

Get lower rates by getting discounts

Some providers don’t always advertise every possible discount very clearly, so we break down some of the more common as well as the least known insurance savings.

  • Multi-Vehicle Discounts – Buying coverage for primary and secondary vehicles on a single policy qualifies for this discount.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may qualify for discounts of up to 25% or more.
  • Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
  • Cautious Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates on MKZ coverage than less cautious drivers.
  • One Accident Forgiven – This one is not really a discount per se, but companies like Allstate and Progressive may permit one accident without getting socked with a rate hike as long as you don’t have any claims prior to being involved in the accident.
  • Active Military Service – Having an actively deployed family member could be rewarded with lower prices.
  • Membership in Organizations – Affiliation with qualifying clubs or civic groups may earn a discount on insurance.
  • Telematics Discount – Drivers who agree to allow their company to look at driving patterns through the use of a telematics system such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • Discount for Multiple Policies – If you combine your home and auto policies and insure them with the same company you will save up to 20% and get you the cheapest car insurance.

One last thing about discounts, most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride.

Larger insurance companies and some of the premium reductions they offer include:

  • The Hartford discounts include defensive driver, good student, air bag, anti-theft, and driver training.
  • American Family may include discounts for bundled insurance, good student, mySafetyValet, good driver, air bags, accident-free, and early bird.
  • Progressive includes discounts for multi-vehicle, good student, online quote discount, online signing, and homeowner.
  • Travelers offers discounts for new car, multi-policy, good student, continuous insurance, and hybrid/electric vehicle.
  • Farmers Insurance offers premium reductions for bundle discounts, pay in full, teen driver, business and professional, distant student, and multi-car.
  • USAA offers discounts including good student, loyalty savings, annual mileage, family discount, and multi-policy.
  • Liberty Mutual policyholders can earn discounts including newly married, new move discount, exclusive group savings, preferred payment discount, hybrid vehicle, safety features, and multi-car.

If you are trying to find cheaper car insurance quotes, ask every prospective company which discounts they offer. Savings might not be available to policyholders in your area. If you would like to view providers with the best insurance discounts, enter your zip code here.

Your insurance coverage coverage should be tailored to you

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions can help discover whether your personal situation may require specific advice.

  • What is roadside assistance coverage?
  • Will my insurance pay for OEM parts?
  • Should I drop comprehensive coverage on older vehicles?
  • What is covered by UM/UIM coverage?
  • Are my friends covered when driving my 2020 Lincoln MKZ?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is UM/UIM insurance?
  • How many claims can I have before being cancelled?
  • What is the rate difference between pleasure use and commuting?
  • Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code.

Auto insurance coverage information

Having a good grasp of your insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from getting keyed, rock chips in glass, damage from flooding and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, attorney fees, loss of income, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This coverage pays for damage to your MKZ from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, scraping a guard rail, colliding with another moving vehicle, rolling your car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like dental work, rehabilitation expenses, X-ray expenses, surgery and EMT expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Take this to the bank

In this article, we covered a lot of ways to shop for 2020 Lincoln MKZ insurance online. The most important thing to understand is the more price quotes you have, the better likelihood of getting the cheapest car insurance. You may be surprised to find that the best car insurance rates are with some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

Budget-conscious 2020 Lincoln MKZ insurance can be sourced online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and most of the time these regional carriers only sell through independent insurance agencies.

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