There are several factors that can impact how much you pay for car insurance. The type of vehicle you drive, your age and your driving record are among them.
According to recent data and studies, insurance companies in the U.S are not lowering insurance rates for safer, modern and more secure vehicles like this 9-year Lincoln MKS.
Safety Features
The Lincoln MKS offers a number of safety features, including antilock brakes and stability and traction control. It also has a rearview camera and rear parking sensors, which are helpful in reducing accidents.
Drivers can also opt for a 3.5-liter EcoBoost engine, which produces 365 hp and 350 lb-ft of torque. This is a powerful engine that can accelerate from zero to 60 mph in 5.8 seconds, according to Edmunds testing.
It can also be had with all-wheel drive, which adds a few extra mpg and improves fuel economy. The MKS also is available with adaptive cruise control, lane-departure warning and collision warning with brake support.
One of the most important things to consider when shopping for a car is its safety features. These features can help you avoid traffic accidents and reduce the amount of money you spend on car insurance.
There are many different safety features available, but the most common ones include:
The front of the vehicle is protected by a dual-stage air bag system that inflates for a period of time to protect the driver and passengers from injury in a crash. This system is designed to keep the occupants of the vehicle from being crushed in a rollover accident, which is a common cause of fatal injuries.
Another popular safety feature is the blindspot monitoring system. This system monitors objects in a driver's blind spot and alerts them with audio or visual signals.
It can also detect when a vehicle is crossing into the opposite lane and signal the driver to avoid an accident.
This feature is especially helpful for teens and new drivers. The system also includes an emergency crash notification service, which dials 911 for a driver in the event of an accident.
In addition to its safety features, the Lincoln MKS offers a spacious interior and excellent performance. It is also one of the best-equipped midsize sedans on the market, offering a wealth of luxury amenities at an affordable price.
Insurance Institute for Highway Safety (IIHS) Ratings
A vehicle's safety rating is one of the most important factors that insurers consider when determining your insurance premium. The Insurance Institute for Highway Safety (IIHS) publishes ratings for vehicles based on their performance in crash tests.
The Insurance Institute for Highway Safety is an independent, nonprofit organization that works to reduce losses -- deaths, injuries and property damage - from crashes on the nation's roads. The Institute is wholly supported by auto insurance companies and carries out research that focuses on improving auto safety.
To earn an IIHS "top safety pick," a car must achieve good ratings in five crashworthiness tests. These include small overlap front, moderate overlap front, side, roof strength and head restraints. In addition, the vehicle must have an available front crash prevention system that earns a superior or advanced rating, and good or acceptable headlights.
Lincoln's flagship sedan, the Continental, earned a Top Safety Pick+ for 2017. It scored good ratings in the four other IIHS crashworthiness tests and has an available front crash prevention system.
The MKS is another IIHS "top safety pick." It achieved good ratings in the Institute's five crashworthiness tests and has an available front collision prevention system that earns a superior or superior plus rating. It also has an optional adaptive LED headlamp that helps improve nighttime visibility.
In addition to the above-mentioned safety features, the MKS has a high-tech suite of driver assistance systems. These help drivers avoid crashes and theft, which could lower your insurance rates.
A vehicle's powertrain is another factor that affects your insurance premium. The MKS has a 6-cylinder engine that is mated to an automatic transmission. It has a horsepower of 277 ps and a capacity of 3724 cc's measured in cubic centimeters.
According to the Insurance Institute for Highway Safety, cars with higher horsepower and torque tend to be involved in fewer accidents than those with less power. This is because cars with more power can accelerate faster than cars with less power.
In addition, the MKS's airbag system is rated "Good" for protection against both front and side impacts. It has sufficient forward coverage to protect the driver's head, but it may not have adequate lateral coverage for passengers.
Safety Ratings by State
If you’re considering a new Lincoln MKS, you may want to know about its car insurance safety ratings. These ratings help you compare insurance costs and decide if the vehicle is worth the cost of coverage. You can get these ratings by checking the National Highway Traffic Safety Administration (NHTSA) website.
When comparing rates, make sure to consider your driving record and annual mileage. Both of these factors can increase your auto insurance premiums. In addition, you should also shop around for different companies and compare quotes.
You should also check for any discounts that might apply to your insurance. These can include good/safe driver, student or multi-policy. In some cases, you may even be eligible for a homeowner’s policy discount.
Your driving record, annual mileage and deductible are all factors that can influence your insurance rates. If you have a poor credit score or a history of traffic violations, you should speak with an independent insurance agent to find a lower price for your insurance policy.
In most cases, your insurance rate will be based on the amount of money you can afford to spend in an accident. For example, you might pay a higher rate if you have an older car. You might also need to add an optional coverage, such as gap coverage, to protect yourself if your car is totaled.
The Lincoln MKS is a full-size luxury sedan that offers a comfortable ride and plenty of space for passengers. Its interior is well-appointed, with features such as heated and cooled front seats, an audio system with a CD player, navigation, Bluetooth connectivity and a rearview camera.
As a result of its large size, the MKS can accommodate tall passengers and still have enough room for them to sit comfortably. The backseats are spacious and the trunk is huge, too.
In terms of crash protection, the MKS earned five stars in government testing. The Insurance Institute for Highway Safety gave the car a top rating of "Good" in moderate-overlap frontal-offset and side-impact tests. However, it got a "Poor" rating in the latest small-overlap frontal crash test.
Insurance Costs
When it comes to insurance, there are many different factors that influence how much you pay for a policy. These can include your age, where you live, the type of car you drive, and your driving record. The best way to find out what your costs will be is to get a few price quotes and see what insurers offer.
You should also keep in mind that insurance rates can vary significantly between companies. This is because each company uses a different formula to calculate prices.
In addition, the type of vehicle you drive and the amount of coverage you need can also impact your premium. For example, a brand new luxury car with a low deductible and full coverage will be more expensive than a used model that does not come with the same level of protection.
One of the most important things you can do to lower your premium is to be a safe driver. You can do this by not speeding, avoiding tickets and accidents, and keeping your driving record clean.
Another thing you can do to save on car insurance is bundling your policies. This can help you to get a cheaper rate because some carriers will offer discounts for bundling your home and auto policies.
Finally, a good driver can also lower their monthly car insurance costs by taking driving courses or by installing safety features on their vehicle. These can reduce their premium by as much as tens of dollars a year.
Aside from these, you can also get a cheaper insurance quote by bundling your car insurance with your home or renter’s insurance. This can save you a lot of money and give you more peace of mind.
The average cost for insurance for a Lincoln MKS is $1,446 per year. This is not bad, especially when compared to the other popular crossovers in this class.