Insurance for Lincoln MKTWant more competitive Lincoln MKT insurance in Raleigh? No sane person fancies paying their premiums for insurance, especially when they know they could find lower prices if they just compared rates.

Surprisingly, a recent survey revealed that nearly 70% of consumers have been with the same company for a minimum of four years, and about 40% of consumers have never shopped around. The average driver in Raleigh could save approximately 10% a year just by shopping around, but they assume it's a waste of time to find cheap insurance by shopping around. Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a insurance company to find the absolute lowest rate possible on Lincoln MKT insurance in Raleigh.

If you're already insured or are just looking to switch companies, use these tips to lower your rates without reducing coverage. Finding the cheapest auto insurance coverage in Raleigh is really quite easy. Drivers only need an understanding of the most time-saving way to compare insurance rates from many different companies.

Cheapest companies for Lincoln MKT insurance in North Carolina

The companies shown below provide price comparisons in Raleigh, NC. If the list has multiple companies, we recommend you visit several of them to get a more complete price comparison.

Lincoln MKT Insurance Price Estimates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKT 3.7 2WD $128 $236 $318 $18 $96 $796 $66
MKT 3.7 AWD $206 $366 $264 $16 $80 $932 $78
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific location which can increase or decrease price quotes greatly.

Male drivers versus female drivers

The example below shows the difference between Lincoln MKT premium costs for male and female drivers. The data is based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are factored in.

Bad driving habits will cost you more

The illustration below demonstrates how traffic citations and accidents increase Lincoln MKT premium costs for each different age group. The rate quotes are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Earn discounts to get lower-cost Raleigh insurance rates

Car insurance is not cheap, but you may qualify for discounts to reduce the price significantly. Some discounts will apply when you get a quote, but occasionally some discounts must be manually applied prior to receiving the credit.

Don't be shocked that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, you're out of luck.

To see insurance companies who offer online Lincoln MKT insurance quotes in North Carolina, click here.

Insurance is available from your local insurance agencies

A small number of people still like to talk to an insurance agent and often times that is recommended Professional agents are trained risk managers and give you someone to call. The biggest benefit of comparing rate quotes online is that drivers can save money and get the lowest rates but still work with a licensed agent.

Find insurance agent in RaleighFor easy comparison, once you complete this form (opens in new window), your insurance data gets sent to local insurance agents in Raleigh who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies because quoted prices will be sent immediately to you. If you need to compare prices from a particular provider, just navigate to their website and give them your coverage information.

Deciding on an insurance company requires more thought than just the bottom line cost. Get answers to these questions too.

Shown below is a list of insurance companies in Raleigh who can help you get comparison quotes for Lincoln MKT insurance in Raleigh.


5620 Six Forks Rd Ste 103 - Raleigh, NC 27609 - (919) 848-8105 - View Map


4004 Barrett Dr #206 - Raleigh, NC 27609 - (919) 844-2995 - View Map


805 Spring Forest Rd #1400 - Raleigh, NC 27609 - (919) 954-1340 - View Map


2414 Wycliff Rd #110 - Raleigh, NC 27607 - (919) 787-0888 - View Map

More Raleigh agents

Do car insurance companies bend the truth?

North Carolina consumers can't get away from ads for cheaper car insurance from the likes of State Farm, GEICO and Progressive. All the ads try to convey promises that drivers will save a bundle if you change your policy.

But how can every company make the same claim? It's all in the wording.

All the different companies have specific guidelines for a prospective insured that will add to their bottom line. For example, this type of risk profile could possibly be a married female, insures multiple vehicles, and has a short commute. Any new insured who matches those parameters gets the lowest prices and will probably save quite a bit of money when switching.

Potential customers who are not a match for these standards will get higher premium rates which results in the driver buying from a lower-cost company. The trick is to say "people who switch" not "everybody who quotes" can save as much as they claim. That is how insurance companies can confidently make those claims. Different companies use different criteria so it is so important to compare as many free Raleigh car insurance quotes as you can. It's impossible to know the company that will provide you with the cheapest Lincoln MKT insurance in Raleigh.

Auto insurance coverages 101

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for expenses like funeral costs, ambulance fees, rehabilitation expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance - Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, hitting a deer, rock chips in glass, hitting a bird and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Collision coverage - Collision coverage pays for damage to your MKT resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your MKT in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) - This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. This coverage pays for injuries sustained by your vehicle's occupants as well as damage to your Lincoln MKT.

Because many people only carry the minimum required liability limits (30/60/25 in North Carolina), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability insurance - This coverage will cover damage that occurs to people or other property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 30/60/25 that translate to a $30,000 limit per person for injuries, $60,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like pain and suffering, court costs, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford. North Carolina requires drivers to carry at least 30/60/25 but you should consider buying more coverage.

Compare car insurance rates regularly to save

When trying to cut insurance costs, make sure you don't buy poor coverage just to save money. In too many instances, an insured cut uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find for the lowest cost.

You just learned a lot of information how to lower your Lincoln MKT insurance prices in Raleigh. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest prices come from a small local company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Additional car insurance information is located at the links below