Save on 2010 Lincoln MKX Car Insurance Quotes

Nobody I know anticipates paying for auto insurance, in particular when their premiums are through the roof. There are many insurers to insure vehicles with, and even though it’s nice to have a choice, it can be more challenging to compare rates and find the lowest cost auto insurance.

The purpose of this post is to let you in on how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Consumers just need to understand how to compare price quotes over the internet.

What affects Lincoln MKX insurance prices?

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although others are less apparent like your vehicle usage or your financial responsibility.

• Tickets inflate prices – Getting just one speeding ticket or other violation could increase your next policy renewal twenty percent or more. Attentive drivers get better rates than people who have multiple driving citations. People who have license-revoking violations like DWI, reckless driving or hit and run convictions might be required by their state to file a SR-22 with their state motor vehicle department in order to keep their license.
• Your credit rating is important – A driver’s credit history is a large factor in calculating your premium rate. Therefore, if your credit score is low, you could save money insuring your 2010 Lincoln MKX if you clean up your credit. Drivers who have good credit tend to be better drivers and file fewer claims than those with bad credit.
• Men pay more for insurance coverage – The statistics show women are more cautious behind the wheel. This data doesn’t prove that men are worse drivers. Women and men get in auto accidents in similar numbers, but the males tend to have higher claims. Men also statistically have more aggressive citations such as DWI and reckless driving. Male teenagers cause the most accidents and therefore pay the highest rates.
• Having a spouse can save you money – Walking down the aisle may save some money on insurance coverage. Having a spouse translates into being more mature than a single person and insurance companies like that married couples file fewer claims.
• Rural vs Urban Areas – Choosing to live in less populated areas of the country has definite advantages when talking about insurance coverage. Less people corresponds to lower accident rates and a lower car theft rate. Urban drivers have to deal with traffic congestion and a longer drive to work. More time behind the wheel means more chance of being in an accident.

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How to compare free insurance quotes

Finding low cost 2010 Lincoln MKX insurance rates doesn’t have to be difficult. All that’s required is to take time comparing free auto insurance quotes to find out which insurance company has affordable auto insurance quotes. This can be accomplished in just a few minutes using one of these methods.

• Without a doubt, the easiest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form keeps you from doing multiple quote forms for each company. One quote request will return price quotes from all major companies.
• A more time consuming way to compare prices is to manually visit the website for each individual company and go through the quote process again. For example, we’ll pretend you want to get rates from Auto-Owners, Progressive and State Farm. To do that, you would have to navigate to each company’s site and repeatedly type in your coverage information, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.
• The old school method to price shop rates is to drive around to different agent offices. Comparing rates online makes this unnecessary unless you require the extra assistance of a local agency. Although you can comparison shop online but have your policy serviced through an agent.

Compare rates however you want, just do your best to enter the same deductibles and coverage limits on every quote you get. If you have different liability limits you will not be able to decipher which rate is best.

Don’t miss with these discounts

Some companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so here is a list both well-publicized and the more hidden discounts you could be receiving when you buy auto insurance online.

• 55 and Retired – Drivers that qualify as senior citizens may qualify for lower premium rates for MKX coverage.
• New Vehicle Savings – Insuring a new car can cost up to 25% less because new model year vehicles keep occupants safer.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts as much as 30%.
• Telematics Devices – Drivers that enable driving data collection to spy on when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.
• Defensive Driver Discount – Participating in a class that teaches driver safety techniques could earn you a small percentage discount if your company offers it.

We need to note that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

Insurance companies that may include many of the previously listed discounts possibly include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

If you want cheap auto insurance quotes, ask all companies you are considering the best way to save money. A few discounts might not apply in every state. To see companies offering car insurance discounts, click this link.

Your situation helps dictate your coverage

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help you determine if you could use an agent’s help.

• When can I cancel my policy?
• Can my babysitter drive my car?
• Does insurance cover damages from a DUI accident?
• Does my 2010 Lincoln MKX need full coverage?
• How high should my uninsured/underinsured coverage be in my state?
• Should I have combined single limit or split liability limits?
• How much liability do I need to cover my assets?
• What is no-fault insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

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Information about specific coverages

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.

Liability coverage – Liability coverage can cover damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical expenses, loss of income, emergency aid and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Lincoln MKX.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, sustaining damage from a pot hole, backing into a parked car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, a broken windshield, theft and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses for things like dental work, doctor visits, X-ray expenses and pain medications. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save your cold hard cash

You just learned a lot of techniques to shop for 2010 Lincoln MKX insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the best prices are with an unexpected company. They may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

Discount 2010 Lincoln MKX insurance can be found from both online companies in addition to local insurance agencies, so get free auto insurance quotes from both of them in order to have the best chance of saving money. A few companies may not have the ability to get a quote online and many times these regional carriers sell through independent agents.

Additional articles

• Alcohol Impaired Driving FAQ (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)

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