2017 Lincoln MKX Insurance Rates

Searching for the cheapest car insurance rates for your Lincoln MKX? Finding cheap prices on Driverscar insurance might be frustrating for drivers not familiar with online price comparisons. Drivers have so many companies to choose from that it can easily turn into a difficult challenge to locate the lowest price.

How to compare insurance price quotes

Many insurance companies like State Farm, Allstate and Geico allow you to get price estimates direct online. Getting online rates doesn’t take much effort as you simply enter the coverages you want into a form. When complete, the company’s rating system makes automated requests for reports for credit and driving violations and returns pricing information determined by many factors.

This simplifies rate comparisons, but the time required to go to a lot of sites and complete many quote forms can be a bit tiresome and repetitive. But it’s necessary to get many rate quotes if you want to find better insurance pricing.

There is a better way!

A more efficient way to find cheaper rates uses one form that gets prices from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes online shopping a little more enjoyable. As soon as the form is sent, it is quoted and you are able to buy any or none of the quotes that you receive. If the quotes result in lower rates, you can click and sign and buy the new coverage. The entire process takes less than 15 minutes and can result in significant savings.

To get comparison pricing now, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate the insurance coverages exactly as shown on your declarations page. This guarantees you are getting an apples-to-apples comparison based on similar coverages.

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Do you qualify for discounts?

Companies that sell car insurance don’t always list all available discounts very well, so the list below gives a summary of both well-publicized and also the lesser-known credits that may apply to you. If you’re not getting every credit available, you could be getting lower rates.

• Driver Education Discount – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
• Good Grades Discount – Maintaining excellent grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
• Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% for MKX insurance than less cautious drivers.
• Active Military Service – Being on active duty in the military could qualify you for better rates.
• Clubs and Organizations – Being in certain professional organizations is a good way to get lower rates when shopping for auto insurance.
• One Accident Forgiven – Not a discount per se, but a handful of insurance companies may permit one accident before hitting you with a surcharge if your claims history is clear before the accident.
• Defensive Driver Discounts – Participating in a course that instructs on driving safety is a good idea and can lower rates depending on where you live.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will definitely lower your overall premium however.

A list of companies and a selection of discounts are included below.

• State Farm offers premium reductions for multiple policy, Steer Clear safe driver discount, driver’s education, passive restraint, good student, good driver, and defensive driving training.
• Geico offers discounts for defensive driver, multi-policy, multi-vehicle, emergency military deployment, military active duty, air bags, and daytime running lights.
• Allstate includes discounts for farm vehicle, economy car, EZ pay plan discount, defensive driver, and anti-lock brakes.
• SAFECO has savings for teen safe driver, homeowner, teen safety rewards, multi-car, safe driver, and anti-theft.
• Farm Bureau may include discounts for youthful driver, driver training, good student, multi-policy, and multi-vehicle.
• Progressive discounts include continuous coverage, online signing, multi-vehicle, online quote discount, and multi-policy.
• AAA may have discounts that include multi-car, anti-theft, good driver, AAA membership discount, and multi-policy.

When quoting, ask each company or agent how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area. To locate insurers with the best discounts, follow this link.

Smart buyers know how to quote auto insurance cheaper

Many things are part of the calculation when pricing auto insurance. Some are obvious such as your driving record, although others are less obvious such as your credit history or your vehicle rating.When buying auto insurance it’s important to understand the rating factors that play a part in calculating the price you pay for auto insurance. When you understand what influences your rates, this allows you to make educated decisions that can help you get much lower annual insurance costs.

The following are some of the major factors utilized by car insurance companies to help set your rates.

• Accidents can be expensive – Your driving record has a lot to do with how much you pay for insurance. Even one chargable violation can increase rates by twenty percent. Attentive drivers get better prices than their less careful counterparts. People who have dangerous violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent a license revocation.
• Low physical damage deductibles can be expensive – Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your Lincoln. A few examples of covered claims could be collision with another vehicle, hitting a deer, and damage from a fallen tree branch. Deductibles for physical damage tell how much you are willing to pay out-of-pocket in the event of a claim. The larger the amount you pay before a claim is paid (deductible), the less your auto insurance will be for MKX insurance.
• Know your vehicle’s crash test rating – Cars with high safety ratings are cheaper to insure. The safest vehicles reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies which can result in lower premiums.
• More stress means more cost – Did you know that where you work can have an impact on rates? Occupations like real estate brokers, business owners and accountants usually pay higher premium rates in part from intense work-related stress and lots of time spent at work. Conversely, occupations like actors, historians and the unemployed have lower than average premiums for MKX insurance.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

These are some specific questions can help discover if you would benefit from professional advice.

• Can my teen drive my company car?
• Should I buy more coverage than the required minimum liability coverage?
• How can I find cheaper teen driver insurance?
• Can I afford low physical damage deductibles?
• What is PIP insurance?
• Can I make deliveries for my home business?
• Am I covered if my car is in a flood?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

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Car insurance 101

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2017 Lincoln MKX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, rock chips in glass, vandalism and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance – This provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like legal defense fees, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverages – Collision coverage covers damage to your MKX resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, prosthetic devices, chiropractic care, nursing services and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Don’t be a big spender

Some companies do not offer internet price quotes small insurance companies only sell through independent agencies. Lower-priced insurance coverage can be purchased on the web and from local agencies, and you should compare rates from both to get a complete price analysis.

When shopping online for insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, drivers have reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

Drivers leave their current company for a variety of reasons including policy non-renewal, not issuing a premium refund, delays in paying claims and even high prices. It doesn’t matter what your reason, finding a new company can be less work than you think.

For more information, feel free to browse the articles below:

• All About Airbag Safety (State Farm)
• Property Damage Coverage (Liberty Mutual)
• Car Insurance FAQ (Trusted Choice)
• Understanding Limits and Deductibles (Allstate)
• Learn About Car Insurance (Geico)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)

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