Cut your Lincoln MKZ Insurance Rates in Five Minutes
If shopping for auto insurance was more enjoyable, it would get done more often. But most likely we pay more than we want to and don't really enjoy the buying process. You might feel the same pain when having to pay the bill on your Lincoln MKZ.
Step One: Compare Rates
In years past, the only way to purchase car insurance was to visit the office of a local agent. Now that we have the internet, shopping for car insurance online is a snap!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Lincoln MKZ without even visiting their websites!
To find affordable coverage for your Lincoln MKZ, the first step is to click the link below and complete the short form.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your MKZ is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Lower your MKZ Insurance Premium
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your MKZ insurance rates.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- Repair costs generally trend higher as the price of a vehicle goes up. So by owning a MKZ, you can expect higher repair bills and also higher insurance rates because of this.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Ask your insurance company if there is a discount for completing a driver's safety course. It may get you up to a 10% discount at your next renewal.
- If you're a young driver, you will pay more to insure a MKZ. There isn't anything you can do about your age, but rates will drop as you mature.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- 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.
Step Three: Choose the Right Company for You
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your MKZ that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Coverage will extend from your current policy if you're buying a Lincoln MKZ, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your MKZ. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
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. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
The Insurance Information Institute is the industry authority for consumer car insurance information.
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