2013 Lincoln MKX Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Lincoln MKX? Finding more affordable rates on Driversinsurance coverage is difficult for drivers new to online comparison shopping. With literally dozens of insurers available, it can easily be a difficult situation to locate the lowest rates.

It’s a great practice to shop coverage around on a regular basis because insurance prices change regularly. Just because you had the best quotes on MKX insurance two years ago you can probably find a better rate now. Forget all the misinformation about insurance coverage because I’m going to teach you the right way to lower your annual insurance bill.

Lower rate quotes by taking advantage of discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not even know about. Some trigger automatically when you get a quote, but a few must be requested specifically before you get the savings.

  • Homeowners Discount – Owning a home can save a few bucks because owning a home means you have a higher level of financial diligence.
  • Online Discount – Some insurance companies may give you up to $50 get auto insurance digitally online.
  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on MKX insurance compared to accident prone drivers.
  • Policy Bundle Discount – If you have multiple policies with one insurance company you could earn a discount of at least 10 to 15 percent or more.
  • Driver’s Education for Students – Require your teen driver to sucessfully take a drivers education course if offered at their school.
  • Renewal Discounts – Select companies give a discount for renewing your policy early. It’s a savings of about 10%.
  • Auto/Life Discount – Larger auto insurance companies have a lower premium rate if you buy life insurance from them.
  • Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.

Remember that most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will definitely lower the amount you have to pay.

The best auto insurance companies and a summarized list of policyholder discounts are outlined below.

  • Progressive offers premium reductions for multi-vehicle, homeowner, good student, continuous coverage, and multi-policy.
  • The Hartford offers discounts for vehicle fuel type, bundle, defensive driver, good student, air bag, and driver training.
  • Mercury Insurance offers discounts including age of vehicle, professional/association, anti-theft, accident-free, and good driver.
  • GEICO includes discounts for five-year accident-free, emergency military deployment, defensive driver, seat belt use, federal employee, multi-vehicle, and anti-lock brakes.
  • AAA may have discounts that include good driver, AAA membership discount, multi-car, good student, and education and occupation.
  • State Farm may include discounts for accident-free, Steer Clear safe driver discount, good driver, passive restraint, and student away at school.

Double check with each insurance company to apply every possible discount. A few discounts might not be offered on policies in your state. If you would like to see a list of insurance companies who offer discounts, click this link.

Learn how to lower your insurance rates

Part of the insurance buying process is learning the factors that come into play when calculating the level of your policy premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that will entitle you to cheaper rates.

  • Poor credit can mean higher prices – Your credit score factor in your rate calculation. So if your credit score is low, you could save money insuring your 2013 Lincoln MKX if you clean up your credit. Drivers who have very good credit scores tend to be better risks to insure as compared to drivers with lower credit ratings.
  • Better rates for being claim-free – Auto insurance companies generally give better rates to insureds who only file infrequent claims. If you’re an insured who likes to file claims you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of larger claims.
  • Premiums also based on gender – Over time, data shows females are less aggressive when driving. Now that doesn’t mean females are better drivers. Males and females cause at-fault accidents at about the same rate, but men get into accidents with more damage. In addition to higher claims, males also have more aggressive citations like DWI (DUI) or reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high insurance rates.
  • Don’t get traffic citations – Your driving record impacts your car insurance rates tremendously. Careful drivers receive lower rates as compared to those with violations. Just one citation can bump up the cost substantially. Drivers who have received dangerous violations like reckless driving, hit and run or driving under the influence might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Long commutes cost more – The higher the mileage driven in a year the higher your rate. A lot of insurance companies calculate prices based on how the vehicle is used. Cars not used for work or commuting can be on a lower rate level as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your MKX is just wasting money. It’s a smart idea to ensure your insurance policy states how each vehicle is driven, because improper ratings can cost you money.
  • Alarm systems save money – Owning a car with a theft deterrent system can get you a discount on your insurance. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft.
  • Combine policies and save – Most larger insurers allow lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. This can amount to ten percent or more. If you currently are using one company, consumers should still shop around to ensure the best deal. Drivers may still save even more by buying from different companies
  • You might get higher premiums if you are single – Getting married may save some money on your policy. Marriage means you’re more stable financially and it’s proven that married drivers tend to have fewer serious accidents.

How much insurance do I need?

When buying coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions can help discover if your insurance needs may require specific advice.

  • When should my teen driver be added to my policy?
  • Where can I find DUI or SR-22 insurance?
  • What companies insure drivers after a DUI or DWI?
  • Should I have a commercial auto policy?
  • What is no-fault insurance?
  • Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Specific coverage details

Understanding the coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Lincoln MKX.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, theft and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage will pay to fix damage to your MKX resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, colliding with a tree, hitting a mailbox, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like ambulance fees, prosthetic devices, EMT expenses and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage can cover damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as pain and suffering, repair costs for stationary objects and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Cheaper insurance is a realistic goal

We’ve covered a lot of techniques to lower your 2013 Lincoln MKX insurance prices. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable auto insurance. You may be surprised to find that the best prices are with a small local company.

When you buy auto insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

Cheap 2013 Lincoln MKX insurance can be sourced from both online companies as well as from independent agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer rates over the internet and usually these small, regional companies only sell coverage through local independent agents.

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