Car Insurance Quotes for the Lincoln MKS

The Lincoln MKS is a sedan that was produced by Ford (under their Lincoln luxury brand) from 2009 to 2016. It offers a spacious interior, advanced technology features, and a smooth ride.

Having car insurance is essential to protect your vehicle. For a Lincoln MKS, the average cost of liability insurance is $82 per month, while full coverage insurance is approximately $175. Comparatively, the national average cost for a basic plan is $52 per month and $168 for full coverage.

Looking to secure the best affordable auto insurance options for your Lincoln MKS? Look no further than Freeway Insurance. Our team is dedicated to helping you find the coverage you need at the most suitable price, even if you have tickets, DUIs, or unique driving circumstances. Discover how you can cover your vehicle without breaking the bank – read on to uncover the savings waiting for you!

The type of auto insurance you choose will determine your premiums when insuring your sedan. The two main coverage options are full coverage and state minimum liability.

Full Coverage

Choosing full car coverage for your MKS means you’re getting a comprehensive level of protection for both you and your vehicle. This inclusive package includes responsibility and collision coverage, which takes care of damages from accidents, and comprehensive insurance that safeguards against various scenarios such as theft, vandalism, or natural disasters.

For example, in the event of a car wreck or hail damage, you can breathe easy knowing that your policy has got your back, alleviating the financial burden of repairs and enabling you to swiftly get back on the road.

State Minimum Liability

On the flip side, you do have the option to go for minimum liability car insurance. With this plan, you’ll be safeguarded in case you cause injury to others or damage their property in an accident. However, it’s worth noting that your own vehicle won’t be covered unless the fault lies with the other party. Although this is a more economical choice, it might not always offer the best level of protection for yourself and your vehicle.

Let’s imagine a situation where you’re acquiring auto insurance in Nebraska, where the state enforces a minimum coverage requirement of $25,000 per person and $50,000 per accident for bodily injury, along with $25,000 for property damage per accident. If you find yourself at fault in a crash and your own vehicle gets totaled, you will have the $25,000 from your minimum policy to cover the expenses for the other driver’s property, but no one will replace your vehicle or cover your own damages.

Providers take various factors into consideration when pricing your policy. Here are a few examples:

Your Location

Different zip codes have varying accident and theft rates. Insurance companies use this information to help determine your policy cost.

Your Annual Mileage

If you travel frequently, the likelihood of being involved in an accident increases, prompting insurers to charge you more.

Your Age

Younger drivers, especially teenagers, are often viewed as higher risk compared to those with more experience on the road. That’s why your age plays a role in calculating your coverage costs.

If you get caught driving under the influence, you’re seen as a high-risk driver who’s more likely to make claims against your carrier. As a result, your insurer will bump up your rates, and you might need to submit an SR-22 certificate as mandated by your state.

If you combine home and auto policies with the same provider, you could get a multi-policy discount. And if you maintain a clean driving record without any tickets or accidents, you might be eligible for a safe driver discount.

The Lincoln MKS was Ford’s luxurious full-size sedan, available from 2009 to 2016. Its heart was a robust 3.7L Duratec V6 engine that produced 273 hp on regular gas and 275 hp on premium. For those craving more power, there was an optional 3.5L EcoBoost twin-turbo V6 engine that produced an impressive 355 hp.

The MKS didn’t just offer power — it also came packed with features like illuminated HID headlights, park assistance to help with parallel parking, adaptative cruise control and a THX II-Certified audio system. Safety was paramount, with various airbags and optional safety packages available. All in all, the Lincoln MKS was a luxurious ride that combined performance, luxury, and cutting-edge technology for a truly premium driving experience.