2016 Lincoln MKX Car Insurance Quotes – 9 Policy Discounts

Consumers have a choice when looking for the lowest priced Lincoln MKX insurance. You can either waste hours contacting agents getting price quotes or use the internet to find the lowest rates. There are both good and bad ways to buy insurance so you’re going to learn the quickest way to compare rates for your Lincoln and find the cheapest rates either online or from local insurance agents.

It’s a good habit to compare rates before your policy renews because rates are adjusted regularly by insurance companies. If you had the best deal on MKX insurance a year ago other companies may now be cheaper. Starting now, forget all the misinformation about insurance because we’re going to show you how to quote online to remove unneeded coverages and save money.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. Drivers just need to know how to get comparison rates online.

Cheap Car Insurance Comparisons

Lowering your 2016 Lincoln MKX car insurance rates is not a difficult process. Consumers just need to spend a few minutes on the computer comparing price quotes online with multiple companies. This can be done in several different ways.

  1. Probably the best way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing separate forms for each company you want a rate for. Completing one form will get you price quotes from multiple low-cost companies.It’s the quickest way to get rates.
  2. A less efficient way to analyze rates consists of going to the website for every company you want to comare to request a price quote. For instance, we’ll assume you want to compare Auto-Owners, Progressive and GMAC. To find out each rate you need to visit each site to input your insurance information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

However you get your quotes, ensure you are comparing the exact same coverages for each price quote. If you compare different values for each quote you can’t possibly determine the lowest rate for your Lincoln MKX.

Discounts are available to cut your rates

Companies that sell car insurance don’t always publicize every discount very clearly, so we researched some of the more common and also the lesser-known car insurance savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Passive Restraints and Air Bags – Factory air bags may earn rate discounts of up to 25% or more.
  • Distant Student – Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Accident Free – Claim-free drivers pay much less when compared to frequent claim filers.
  • Paperwork-free – Some insurance companies will give a small break simply for signing online.
  • Defensive Driver – Taking part in a driver safety course can save you 5% or more depending on where you live.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on MKX insurance with select insurance companies.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of insurers with the best car insurance discounts, click here to view.

Everyone needs different coverages

When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • Do I need an umbrella policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When would I need rental car insurance?
  • When can I cancel my policy?
  • What is an SR-22 filing?
  • Does my insurance cover a custom paint job?
  • What is medical payments coverage?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Slick advertising tricks that work

Consumers can’t ignore all the ads for cheaper car insurance from the likes of State Farm, Allstate and Geico. They all seem to have a common claim that you can save after switching your coverage to them.

How can each company make almost identical claims?

All companies have a certain “appetite” for the driver that earns them a profit. For example, a preferred risk might be profiled as over the age of 50, is a homeowner, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save when they switch companies.

Potential insureds who don’t measure up to this ideal profile will be charged higher rates which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can confidently advertise the way they do. That is why you absolutely need to get as many quotes as possible. It’s impossible to know which car insurance company will provide you with the cheapest Lincoln MKX insurance rates.

Detailed coverages of your car insurance policy

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability coverage – Liability insurance will cover damage that occurs to people or other property that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things like emergency aid, attorney fees and structural damage. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for dental work, surgery, ambulance fees and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision – Collision coverage pays for damage to your MKX resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, rolling your car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Lincoln MKX.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, damage from getting keyed and damage from flooding. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In conclusion

In this article, we covered many ways to reduce 2016 Lincoln MKX insurance prices online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Cheap insurance can be sourced from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and these smaller companies work with independent agents.

Drivers change insurance companies for many reasons like not issuing a premium refund, policy non-renewal, high rates after DUI convictions or even high prices. Whatever your reason, choosing a new company is not as hard as you think.

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