How to Insure your Lincoln MKS on the Cheap
If finding cheaper car insurance was fun, we'd make the time to do it regularly. Unfortunately, it's not always as easy as it sounds to get the best rate. Cutting the check for each renewal on your Lincoln MKS might give you the same feeling.
Step One: Compare Apples-to-Apples Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Not anymore!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Lincoln MKS without even visiting their websites!
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your MKS.
Step Two: Tricks to Saving Money on MKS Insurance
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- If you need the extra performance that your Lincoln MKS gives you, then you'll have to pay extra to insure it. Higher performance cars tend to be more expensive to insure.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- When repairing accident damage on luxury vehicles, body shops charge more because the replacement parts are more expensive. Everything from a fender to a tail light will cost more to replace so your insurance rates will be higher as well.
- How is your credit rating? The better credit you have, the less insurance will cost for your MKS. If you have bad credit, work on improving your credit score and repair past credit problems.
- The time it takes to complete a driver's safety training course could be time well spent. It could save you up to 10% off your car insurance rates.
- Equipping your Lincoln with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- If you're a young driver, you will pay more to insure a MKS. There isn't anything you can do about your age, but rates will drop as you mature.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
Step Three: Finalize your Policy Details
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Lincoln added prior to the expiration of this grace period. Be sure to have a new policy ready to go if you are buying a new MKS. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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