Introduced in 2007 and made available for sale in 2008, the Lincoln MKS is classified as a luxury car manufactured by Ford’s Lincoln division. You can expect to pay around $1,640 a year in car insurance costs, with variations for each car and driver.
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This production was modeled after the Lincoln Concept with features borrowed from other top selling productions. The MSRP or manufacturer’s suggested retail price is in the $40,000 range. For an extra $8,000, you can purchase the MKS EcoBoost.
The MKS gets as much as 17mpg in the city and 24mpg on the highway. This sedan seats up to five adults comfortably. It can also go from a front wheel drive to an all wheel drive. The design of this Lincoln model is described as sleek, elegant, and refined.
Read on to learn how these and other features affect its car insurance cost.
What features of the Lincoln MKS will affect the car insurance cost?
As technology advances, so do the innovation of luxury features for the Lincoln MKS. A short list of features boasted by Lincoln in the MKS includes:
- Bridge of Weir Leather Seats
- Dual Panel Moon roof
- Rearview Back-up Camera
- Rear Windshield Sunshade
- THXII Surround Sound System with 14 speakers
As sophisticated as these features sound, safety ratings and features are most important to your insurance company.
The MKS has safety features such as side curtain airbags for side impact crashes. They have stability control as a standard safety feature, as well as an SOS feature that will sound the horn and engage flashers in the event of a crash or airbag deployment. These things improve the car insurance costs of this vehicle.
What resources can I use to analyze car insurance companies?
You may find that shopping for car insurance for your Lincoln MKS is easier than you first thought. Researching the aspects of a good insurance carrier will make you more confident about your choice.
J.D. Powers and Associates, A.M. Best, and Standard and Poor’s may be helpful in making your decision. These companies rate insurance companies on their solvency, performance, and standing in the community.
Internet and company research may also offer information on determining what your specific insurance needs may be. Comparison sites will help you narrow your choices of carriers. You can compare as many as ten different rates at a time. Then you might perform a more thorough research on a selected few.
What type of car insurance am I required to carry on a Lincoln MKS?
Every state has minimum requirements for coverage needed for liability. Most policies have standard inclusion provisions that apply to all of their policies. You may add personal injury protection or uninsured or underinsured motorist coverage to supplement your bodily injury or damage liability amounts.
Comprehensive and collision is mandatory on financed vehicles, while the amount depends on the car you are insuring.
How do I impact the car insurance cost for my Lincoln MKS?
Designing your insurance package is as exclusive as your driving record. Incidentally, your driving record has an impact on the rate quoted by the insurance company. So are other factors like:
- Credit score
- Zip code
- Drivers in the household
- Method of payment
You can establish deductible to suit your needs. You can also add rental car replacement to your policy in addition to 24 hour towing.
If your insurance company does not offer accident forgiveness, you may want to reconsider your options. If you have a college student or other part time driver in the home, short-term coverage will work for them. Short-term coverage lasts from one to 28 days.
How can I save some money on Lincoln MKS car insurance costs?
Inquirers who want to save on their Lincoln MKS insurance policy need only make a few changes and improvements. An increase in the deductible will make your premiums lower. If you simply pay your annual premium in advance, you will save.
Driver safety courses lower premiums just as an improvement in your credit score.
What other cars compare to the 2011 Lincoln MKS?
The online debates are plenty when comparing this model with other makes with similar features and design. The 2011 Lincoln MKS is in a special class with competitors like:
- Cadillac CTS
- Mercedes E Class
- Audi A8
This model combines new technology with old-school design concepts. New technology is demonstrated in this model with Lincoln’s EcoBoost turbo option that makes its V6 engine run like a V8. Keep in mind that more powerful engines command higher insurance rates.
New park assist technology uses ultrasonic sensors to make parking a cinch. The navigational system and rearview camera is quickly becoming a standard in all cars, while the split-wing grille is a throwback design from the 1941 Lincoln Continental.
Using only your ZIP code, you can start your comparison search now for car insurance quotes from several companies for your Lincoln MKS, now!