2008 Lincoln MKX Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Have you fallen victim to an underperforming, overpriced insurance policy? Trust us, you are not the only one feeling buyer’s remorse. There are many insurers to pick from, and even though it’s nice to have a choice, it makes it harder to adequately compare rates.

Buying car insurance is not rocket science. If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to get lower rates while maintaining coverages. Drivers only need an understanding of the most effective way to compare company rates over the internet.

Car Insurance Comparisons

Shopping for lower car insurance rates can take hours if you aren’t aware of the easiest way. You can waste a lot of time talking about coverages with agents in your area, or you could save time and use the internet to get the quickest rates.

Many of the larger companies participate in a marketplace where prospective buyers submit one quote, and each participating company provides a quote determined by their information. This eliminates the need for quote requests to each company.

To compare pricing click here (opens in new window).

The only drawback to getting quotes like this is you can’t choose which carriers to receive prices from. So if you prefer to choose individual companies to compare prices, we put together a list of companies who write car insurance in your area. View list of insurance companies.

Which method you use is up to you, but make darn sure you compare apples-to-apples deductibles and coverage limits for each price quote. If you use different liability limits it’s not possible to decipher which rate is best.

Tailor your coverage to you

When buying coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can help discover whether your personal situation might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • What is medical payments coverage?
  • When can I cancel my policy?
  • Does coverage extend to a rental car in a foreign country?
  • Why am I required to buy liability insurance?
  • Does coverage extend to my business vehicle?
  • Does my insurance cover a custom paint job?
  • Am I covered when driving on a suspended license?
  • Should I buy full coverage?
  • Does my 2008 Lincoln MKX need full coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Educate yourself about car insurance coverages

Understanding the coverages of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by car insurance companies.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Lincoln MKX.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance – This will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical expenses, court costs, pain and suffering, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is your choice, but buy higher limits if possible.

Collision – This coverage will pay to fix damage to your MKX caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, hitting a bird, fire damage, falling objects and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like X-ray expenses, dental work, pain medications and funeral costs. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

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