2015 Lincoln MKC Car Insurance Cost

Looking for lower car insurance rates for your Lincoln MKC? Feel like you have high-priced car insurance? Trust us, many consumers feel financially strained by their car insurance policy.

Big companies like GEICO and Progressive all claim big savings with TV and radio ads and it is difficult to ignore the propoganda and find the best price available.

You need to get comparison quotes periodically because insurance prices go up and down regularly. Just because you had the lowest rates on MKC insurance six months ago there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

Low cost car insurance prices

There are multiple methods to shop for car insurance, but there is one way that is more efficient than others. You can waste a few hours (or days) driving to insurance agencies in your area, or you could save time and use online quotes to get prices fast.

All the larger companies belong to a marketplace that enables customers to submit their information once, and each company provides a quote based on that data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To find out what other companies charge click here to open in new window.

The one disadvantage to comparing rates this way is buyers cannot specifically choose which companies to get pricing from. So if you want to select specific insurance companies to compare rates, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but be sure to compare apples-to-apples information for every quote you compare. If you enter different liability limits it will be nearly impossible to make a fair comparison for your Lincoln MKC. Slightly different limits can mean a large discrepancy in price. And when quoting car insurance, remember that comparing a large number of companies increases your odds of finding lower pricing. Not every company allows you to get online quotes, so it’s important to compare prices from the smaller companies as well.

Do you qualify for discount insurance coverage?

Some insurance providers don’t necessarily list every discount they offer very well, so the list below contains both the well known and also the lesser-known discounts that may be available.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
  • Discount for Multiple Policies – If you can bundle your auto and home insurance with the same insurance company you could get a discount of up to 20% off your total premium.
  • Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
  • First Accident Forgiveness – This one isn’t a discount, but companies like State Farm, Progressive and GEICO will allow you to have one accident before they charge you more for coverage if your claims history is clear for a certain period of time.
  • Memberships – Participating in a civic or occupational organization could trigger savings on your policy.

A quick disclaimer, most discounts do not apply the the whole policy. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But any discount will cut your premiums.

A list of insurance coverage companies and a partial list of their discounts are outlined below.

  • GEICO discounts include federal employee, multi-policy, military active duty, anti-theft, anti-lock brakes, membership and employees, and seat belt use.
  • Auto-Owners Insurance has discounts for good student, mature driver, teen driver, multi-policy, paid in full, group or association, and air bags.
  • American Family policyholders can earn discounts including multi-vehicle, air bags, bundled insurance, Steer into Savings, good driver, mySafetyValet, and early bird.
  • Esurance offers premium reductions for homeowner, defensive driver, safety device, Switch & Save, and DriveSense.
  • Progressive may have discounts that include homeowner, good student, online signing, continuous coverage, multi-policy, and online quote discount.
  • State Farm offers discounts for Steer Clear safe driver discount, accident-free, driver’s education, defensive driving training, multiple autos, and safe vehicle.
  • AAA may include discounts for AAA membership discount, good student, multi-policy, pay-in-full, multi-car, and anti-theft.

When comparing rates, check with every company to apply every possible discount. All car insurance discounts might not be offered in your area.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Can I rent a car in Mexico?
  • What exactly is covered by my policy?
  • Does car insurance cover theft of personal property?
  • Is business property covered if stolen from my car?
  • How can I find cheaper teen driver insurance?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

The coverage is in the details

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from car insurance companies.

Collision – This coverage will pay to fix damage to your MKC resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, theft, hail damage and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability – Liability insurance can cover damage or injury you incur to other people or property. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like funeral expenses, medical services, court costs, structural damage and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, X-ray expenses, chiropractic care and prosthetic devices. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Lincoln MKC.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.