1993 Lincoln Mark VIII Insurance Quotes – 9 Tips for Best Rates

Trying to come up with a payment for high-priced auto insurance can dwindle your funds and force you to make tough financial choices. Getting a rate comparison is a great way to lower your monthly bill.

Since consumers have many options when it comes to auto insurance, it can be impossible to find a lower cost insurer.

Compare insurance quotes online

Most larger insurance companies such as GEICO, State Farm and Progressive provide pricing direct online. Getting online quotes is easy for anyone as you just enter your coverage preferences into a form. Once entered, the system makes automated requests for your driving record and credit report and generates pricing information. Online quotes makes it a lot easier to compare rates but the process of having to visit different websites and type in your information is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to find the best price possible.

The easy way to compare rates

The preferred way to find cheaper rates uses just one form that gets price quotes from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. Once the form is submitted, it gets priced with multiple companies and you can pick your choice of the resulting price quotes. If you find a better price you simply finish the application and buy the policy. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

In order to find out what other companies charge, click here to open in new window and submit the form. To compare your current rates, we recommend you input as shown on your current policy. Doing this assures you will have comparison quotes based on the exact same insurance coverage.

More discounts mean affordable premiums

The cost of insuring your cars can be expensive, but you may qualify for discounts that could help you make your next renewal payment. Some discounts will apply at quote time, but lesser-known reductions have to be manually applied before they will apply.

  • Distant Student – Any of your kids who live away from home at college and do not take a car to college could get you a discount.
  • Early Signing – Some larger companies reward drivers for switching to them before your current coverage expires. You could save around 10% when you buy insurance coverage online.
  • Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
  • Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • Fewer Miles Equal More Savings – Low annual miles could qualify for substantially lower car insurancerates.
  • Discounts for New Vehicles – Buying car insurance coverage on a new vehicle can be considerably cheaper because new model year vehicles keep occupants safer.
  • Homeowners Discount – Just being a homeowner can save you money since home ownership is proof of financial responsibility.
  • Discounts for Federal Employees – Active or retired federal employment could qualify for a slight premium decrease for Mark VIII insurance depending on your company.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up may be able to save a few bucks on medical payment and PIP coverage.

Discounts lower rates, but some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But any discount will reduce your policy premium.

If you would like to view providers who offer discounts, click here to view.

It’s not one size fits all

When choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For example, these questions can aid in determining if your insurance needs will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • What is the difference between comprehensive and collision coverage?
  • When should I remove comp and collision on my 1993 Lincoln Mark VIII?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when driving on a suspended license?
  • What is UM/UIM insurance?
  • When should I buy a commercial auto policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage information

Knowing the specifics of your auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by auto insurance companies.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, medical expenses, repair costs for stationary objects, court costs and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Comprehensive auto insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, a tree branch falling on your vehicle, hitting a bird, falling objects and damage from flooding. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This pays for damage to your Mark VIII resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses such as hospital visits, doctor visits, nursing services and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 1993 Lincoln Mark VIII.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.