Having to pay for overpriced car insurance can drain your bank account and force you to prioritize other expenses. Doing a price comparison is a great way to slash your bill and have more diposable income.
With so many options, it can be challenging to pick the right car insurance company.
Finding affordable coverage is quite easy. Just about anyone who shops for car insurance should be able to reduce their rates. But consumers must learn how the larger insurance companies compete online and take advantage of how the system works.
Finding Car Insurance Deals
The are a couple different ways of comparing rates and find the best price. The quickest method to find the cheapest Lincoln Mark VIII insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in several different ways.
- The recommended way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for separate forms to each individual car insurance company. Filling out one form will return quotes instantly.
- A less efficient way to find lower rates requires you to visit the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s assume you want rates from Allstate, Safeco and Farmers. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular.
For a list of links to insurance companies in your area, click here.
- The least efficient way to compare rates is to spend your day driving to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the professional advice of a local agent. However, consumers can compare the best prices online but buy from a local insurance agent and we’ll cover that in a bit.
Whichever way you use, double check that you are using the exact same deductibles and coverage limits for every quote you compare. If you are comparing different limits and deductibles on each one it’s impossible to find the best deal for your Lincoln Mark VIII. Slightly different coverages can make a big difference in price. Keep in mind that more quotes will improve the odds of getting a better price.
Lots of discounts mean lots of savings
Companies offering auto insurance don’t list every discount very clearly, so here is a list both the well known and also the lesser-known savings tricks you should be using.
- More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
- Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
- Own a Home – Simply owning a home can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
- Bundle and Save – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
- Government Employees – Employees or retirees of the government could cut as much as 10% off for Mark VIII coverage with a few car insurance companies.
- No Accidents – Good drivers with no accidents pay less when compared to bad drivers.
- Air Bag Discount – Factory air bags or motorized seat belts can receive discounts of more than 20%.
- Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Mark VIII coverage than their less cautious counterparts.
- Lower Rates for Military – Having a deployed family member can result in better rates.
As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way.
To choose companies offering car insurance discounts, click here to view.
Everyone needs different coverages
When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can aid in determining if you would benefit from professional advice.
- Will I lose any money if I cancel my policy before it expires?
- Is my nanny covered when driving my vehicle?
- When should I remove comp and collision on my Lincoln Mark VIII?
- Is borrowed equipment or tools covered if stolen or damaged?
- Does my insurance cover my expensive audio equipment?
- Does my policy cover my teen driver if they drive my company car?
- What vehicles should carry emergency assistance coverage?
- Do I have coverage when pulling a U-Haul trailer?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
