Affordable Lincoln MKS Insurance in Portland

Discount Lincoln MKS insuranceIt’s easy to assume that insurance companies want to keep your business as long as possible. Drivers who shop around for better prices are likely to switch companies because they have a good chance of finding a more affordable policy. A survey found that people who routinely compared quotes saved $3,400 over four years compared to policyholders who never shopped for cheaper rates.

If finding budget-friendly car insurance is your ultimate objective, then knowing how to choose a company and compare cheaper coverage can make the process more efficient.

If saving money is your primary concern, then the best way to get discount Lincoln MKS insurance is to start comparing prices regularly from companies who sell insurance in Portland. You can compare rates by following these guidelines.

First, read and learn about coverages and the things you can control to drop your rates. Many risk factors that are responsible for high rates such as traffic tickets, fender benders, and an unacceptable credit score can be remedied by being financially responsible and driving safely. Read the full article for more details to prevent expensive rate increases and get additional discounts that may be available.

Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while independent agents can provide prices from many different companies.

Third, compare the price quotes to your existing policy to determine if you can save on MKS insurance in Portland. If you find a lower rate quote and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, provide notification to your current agent or company to cancel the current policy and submit any necessary down payment along with the completed application for the new policy. Once the application is submitted, store the certificate verifying proof of insurance along with your vehicle registration.

One bit of advice is that you use identical deductibles and limits on each quote and and to analyze as many auto insurance providers as possible. Doing this ensures an accurate price comparison and many rates to choose from.

When price shopping your coverage, more quotes will enable you to find the best price.

The companies shown below offer free quotes in Oregon. If multiple companies are listed, we recommend you compare several of them to find the most affordable car insurance rates.

Rates and statistics

The coverage information below showcases estimates of insurance rates for Lincoln MKS models. Learning more about how auto insurance policy rates are determined can be of help when making smart policy decisions.


Lincoln MKS Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $196 $386 $260 $16 $78 $936 $78
MKS 4-Dr Sedan $196 $386 $260 $16 $78 $936 $78
MKS Ecoboost AWD 4-Dr Sedan $216 $438 $260 $16 $78 $1,008 $84
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rates do not factor in garaging location in Portland which can affect premium rates noticeably.

Auto insurance deductibles

One common question asked by Portland drivers is the level to set your comp and collision deductibles. The data tables below outline the difference in cost of buying low and high comp and collision deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.


Lincoln MKS insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $346 $674 $272 $16 $82 $1,415 $118
MKS 4-Dr Sedan $346 $674 $272 $16 $82 $1,415 $118
MKS Ecoboost AWD 4-Dr Sedan $382 $762 $272 $16 $82 $1,539 $128
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Lincoln MKS insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $192 $356 $272 $16 $82 $918 $77
MKS 4-Dr Sedan $192 $356 $272 $16 $82 $918 $77
MKS Ecoboost AWD 4-Dr Sedan $212 $402 $272 $16 $82 $984 $82
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in vehicle garaging location which can raise or lower auto insurance rates noticeably.

Based on these figures, using a $100 deductible costs about $42 more each month or $504 for a full year than selecting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 21 months between claims, you would save money if you elect the higher deductible.

The diagram below shows how choosing a deductible and can affect Lincoln MKS insurance costs for different ages of insureds. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Lincoln MKS insurance premiums by gender in Portland

The diagram below shows the comparison of Lincoln MKS insurance costs for male and female drivers. The prices are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied.

Insuring your vehicle just makes sense

Even though it’s not necessarily cheap to insure a Lincoln in Portland, buying car insurance may be required for several reasons.

The benefits of buying car insurance more than cancel out the cost, especially if you ever need it. Today the average American driver overpays as much as $865 each year so you should quote rates each time the policy renews to ensure rates are competitive.

Do you qualify for these five discounts?

Insurance can be prohibitively expensive, but you might be missing out on some discounts that many consumers don’t even know exist. Many discounts should be triggered at quote time, but a few must be requested specifically in order for you to get them.Save money with discounts

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.

The diagram below compares Lincoln MKS yearly insurance costs with and without some available policy discounts. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Oregon state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, homeowner, claim-free, and multi-policy discounts applied.

To choose insurers that can offer you the previously mentioned discounts in Oregon, click here.

Shop online but buy locally

Some people would rather get advice from a local agent and that is just fine! One of the benefits of comparing insurance prices online is that you can find the lowest rates and still have an agent to talk to.

Find insurance agent in PortlandFor easy comparison, once you complete this quick form, your coverage information is instantly submitted to local insurance agents in Portland who will gladly provide quotes for your coverage. It simplifies rate comparisons since you won’t have to find an agent since rate quotes are delivered directly to your email. You can find lower rates without the usual hassles of price shopping. If for some reason you want to get a rate quote for a specific company, just navigate to their website and fill out their quote form.

Selecting an insurer shouldn’t rely on just the quoted price. These are some valid questions you should ask.

Listed below is a list of car insurance companies in Portland willing to provide comparison quotes for Lincoln MKS insurance in Portland.

More Portland agents

After you get good feedback to all your questions and locked in a price quote, you have narrowed it down to an insurer that can properly service your auto insurance policy. Just be aware that you are able to cancel your coverage whenever you choose to so don’t think you are locked into the auto insurance policy for a certain time period.

Auto insurance coverage information

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability insurance

This will cover damage or injury you incur to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/20 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $20,000.

Liability coverage protects against things such as loss of income, funeral expenses, legal defense fees, court costs and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford. Oregon state minimum liability requirements are 25/50/20 but it’s recommended drivers buy better liability coverage.

The chart below demonstrates why buying the state minimum limits may not be high enough to cover claims.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, ambulance fees, nursing services and surgery. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision coverage will pay to fix damage to your MKS resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, colliding with a tree, hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible on your MKS to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Lincoln MKS.

Since many Oregon drivers only purchase the least amount of liability that is required (25/50/20 in Oregon), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, vandalism, hitting a deer and hail damage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

More comparisons equals cheaper rates

Lower-priced auto insurance in Portland is attainable on the web as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer online price quotes and these regional insurance providers prefer to sell through independent agents.

You just read a lot of information how to reduce Lincoln MKS insurance rates online in Portland. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with the smaller companies.

Consumers leave their current company for any number of reasons including being labeled a high risk driver, high prices, delays in paying claims and questionable increases in premium. Regardless of your reason for switching companies, finding the right auto insurance provider is easier than you think.

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