Cheap 2017 Lincoln MKX Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 4, 2024

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Looking for the cheapest auto insurance rates for your Lincoln MKX? Are you tired of scraping the payment together to make your auto insurance payment? You are in the same boat as many other consumers. You have so many auto insurance companies to buy insurance from, and although it’s nice to have a choice, more choices can make it harder to find the best rates for your vehicles.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Vehicle owners only need an understanding of the most effective way to find the lowest price online.

You may qualify for discounts

Insurance coverage is not an enjoyable expense, but you may be missing some discounts that many people don’t even know exist. Certain discounts will be applied at quote time, but some must be asked for prior to getting the savings.

  • Defensive Driver – Taking part in a course that instructs on driving safety may get you a small discount if your company offers it.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.
  • Distant Student Discount – Any of your kids who are attending college and do not take a car to college may be able to be covered for less.
  • Home Ownership Discount – Being a homeowner may earn you a small savings since owning and maintaining a home is proof that your finances are in order.
  • ABS Brakes – Vehicles with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.
  • Discount for Good Grades – Performing well in school may save as much as 25% on a auto insurance quote. The good student discount can last up to age 25.

Discounts lower rates, but most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of insurance companies that offer multiple discounts, enter your zip code here.

Low cost car insurance

There are a lot of ways you can shop for car insurance but some are more efficient than others. You can spend countless hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company returns a competitive quote based on that information. This prevents consumers from doing quotation requests for every car insurance company.

To submit your quote information now, enter your zip code here.

The only drawback to comparing rates this way is buyers cannot specifically choose the insurers you want to price. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. Click to enter zip code.

It’s up to you how you get prices quotes, just do your best to enter identical quote data for each quote you get. If your comparisons have different liability limits it’s impossible to make a fair rate comparison.

How your MKX insurance costs are determined

A large part of saving on car insurance is knowing some of the things that aid in calculating your policy premiums. When you understand what determines base rates, this enables you to make decisions that can help you get better car insurance rates.

The itemized list below are a partial list of the pieces used by insurance companies to determine your prices.

  • Too many claims will drive car insurance rates up – If you’re an insured who likes to file claims you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies generally give discounts to policyholders who file claims infrequently. Insurance coverage is intended for major claims that would cause financial hardship.
  • Policy add-ons can waste money – Insurance policies have a lot of optional add-on coverages that can waste your money if you aren’t diligent. Insurance for things like rental car reimbursement, towing coverage, and extra life insurance coverage may be wasting your money. They may seem like a good idea initially, but if you don’t need them remove them and pocket the money.
  • City dwellers may pay more – Having an address in less populated areas is a positive aspect when it comes to car insurance. Drivers who live in large cities have more aggressive driving styles and a longer drive to work. Fewer people means less chance of accidents as well as less vandalism and auto theft.
  • Drive less and pay lower prices – The higher the miles on your Lincoln in a year’s time the higher the price you pay to insure it. Almost all companies calculate prices determined by how the vehicle is used. Vehicles used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. Incorrect rating for your MKX may be wasting your money. It’s a smart idea to ensure your declarations sheet properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • Getting married can lower rates – Getting married may save some money on your car insurance bill. It translates into being more mature and responsible and statistics prove drivers who are married are more cautious.
  • Drivers with excellent credit save – A driver’s credit rating is a large factor in calculating your premium rate. Drivers who have very good credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. If your credit is not that good, you could pay less to insure your 2017 Lincoln MKX by improving your rating.
  • Use one insurance company and save – The majority of car insurance companies will award a discount for people that have more than one policy in the form of a multi-policy discount. Even with this discount, consumers should still shop around to help ensure you have the lowest rates. You may still save more without the discount even if you have your coverage with different companies.
  • Alarm systems save money – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent vehicle theft.

There’s no such thing as the perfect car insurance policy

When it comes to buying adequate coverage for your vehicles, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out if you may require specific advice.

  • I don’t drive much so do I pay less?
  • Can I get a multi-policy discount?
  • Who is covered by my policy?
  • Is my cargo covered for damage or theft?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage advertising gotchas

Consumers can’t get away from all the ads for insurance coverage savings from the likes of Progressive, GEICO, Allstate and State Farm. They all tend to make the same promise about how much you will save just by moving your policy.

That’s great but how can every company charge you less for car insurance? It’s all in the wording.

Insurance coverage companies are able to cherry pick for the right customer that earns them the most money. For instance, this type of risk profile should be over the age of 35, has other policies, and has a high credit rating. Any new insured who matches that profile will get low rates and most likely will cut their rates if they switch.

Insureds who don’t qualify for the “perfect” profile may be forced to pay higher rates with the end result being business going elsewhere. The wording the ads use say “drivers who switch” not “everybody who quotes” will save that much if they switch. That is how companies can truthfully make those claims. Because each company has a different risk profile, you need to compare quotes as often as possible. It is just not possible to predict which insurance companies will have the best rates for your profile.

Car insurance specifics

Understanding the coverages of your car insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle and damage from flooding. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 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. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses like ambulance fees, nursing services and funeral costs. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance will pay to fix damage to your MKX from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to people or other property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability can pay for things such as court costs, structural damage, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Keep this in mind

In this article, we presented a lot of ways to reduce 2017 Lincoln MKX insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the best price on car insurance is with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped full coverage and learned later that the small savings ended up costing them much more. Your goal is to get the best coverage possible at an affordable rate while still protecting your assets.

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