Cheap 2020 Lincoln MKX Car Insurance Quotes 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 cheaper insurance rates for your Lincoln MKX? I can’t think of anyone who likes buying insurance, especially when they know the cost is too high. Numerous insurance companies battle for your business, and because of this it can be hard to compare insurers to get the best rate

It’s a great practice to get comparison quotes periodically because insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest price for MKX coverage two years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the only way to buy cheaper insurance.

If you have a current car insurance policy or are shopping for new coverage, you can use this information to reduce the price you pay while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to learn the proper way to compare company rates over the internet.

Choices you make can impact your insurance costs

Many things are used when premium rates are determined. Some of the criteria are obvious such as your driving history, although some other factors are more obscure like your vehicle usage and annual miles driven. The best way to find cheaper insurance is to take a look at some of the elements that are used to determine your premiums. If you have a feel for what controls the rates you pay, this enables informed choices that will entitle you to lower rates.

The following are some of the factors companies use to determine prices.

  • Guys are more aggressive – Over time, data shows women are more cautious behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Males and females have auto accidents at a similar rate, but males cause more damage and cost insurance companies more money. Men also receive more major tickets like reckless driving and DUI. Young males are the most expensive to insure and therefore pay the highest rates.
  • Vehicle options that lower premiums – Choosing a vehicle that has a built-in theft deterrent system can save you some money. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft.
  • With age comes lower premiums – More experienced drivers are more cautious drivers, are lower risk to insure , and usually have better credit. Beginning drivers are proven to be careless and easily distracted with other occupants in the car therefore insurance rates are much higher.
  • Does your vocation raise your rates? – Did you know your insurance rates can be affected by your occupation? Occupational choices like lawyers, social workers and miners tend to have higher rates than the rest of us due to high stress levels and incredibly demanding work hours. On the other hand, professions such as actors, athletes and performers get better rates for MKX coverage.
  • Lower insurance rates with no policy lapses – Having an insurance coverage lapse can be a sure-fire way to drive up your policy premiums. In addition to paying higher premiums, the inability to provide proof of insurance may result in a revoked license or a big fine.
  • Better rates on vehicles with better crash test results – Cars with high safety ratings can get you lower premiums. Safe vehicles reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and thus lower rates. If your Lincoln MKX scored at minimum four stars on you may qualify for a discount.
  • Where you live factors in – Being located in less populated areas has definite advantages when it comes to insurance. Drivers in populated areas have more traffic problems and longer commutes to work. Fewer drivers on the road corresponds to lower accident rates.
  • Single drivers may pay more – Having a wife or husband can actually save you money on your insurance policy. Marriage translates into being less irresponsible it has been statistically shown that drivers who are married are more cautious.

Get lower-cost insurance with discounts

Not too many consumers would say insurance is affordable, but you might already qualify for some discounts to cut the cost considerably. Certain reductions will be credited at the time of quoting, but some may not be applied and must be specially asked for before you will receive the discount.

  • Driver’s Education for Students – Teen drivers should successfully complete driver’s ed class if it’s offered in school.
  • Defensive Driver Discounts – Taking a driver safety class can save you 5% or more and easily pay for the cost of the class.
  • Multi-policy Discount – If you can combine your auto and home policy and insure them with the same company you may earn as much as 10 to 15 percent.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off for MKX coverage with some insurance companies.
  • Low Mileage – Fewer annual miles on your Lincoln may allow you to get better prices on cars that stay parked.
  • Multi-car Discount – Having multiple cars with one company can get a discount on all vehicles.
  • Payment Method – If you pay your bill all at once rather than paying in monthly installments you can actually save on your bill.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control are much safer to drive and qualify for as much as a 10% discount.
  • Good Grades Discount – Getting good grades may save you up to 25%. Most companies allow this discount until age 25.

As a sidenote, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

A few of the larger companies and the discounts they provide are detailed below.

  • GEICO may offer discounts for seat belt use, federal employee, daytime running lights, air bags, driver training, and military active duty.
  • USAA policyholders can earn discounts including defensive driver, vehicle storage, good student, military installation, new vehicle, and family discount.
  • Progressive has savings for online quote discount, homeowner, multi-policy, multi-vehicle, continuous coverage, and online signing.
  • American Family may have discounts that include Steer into Savings, mySafetyValet, multi-vehicle, bundled insurance, and early bird.
  • Esurance offers discounts for defensive driver, good driver, DriveSense, anti-theft, good student, and claim free.
  • Farmers Insurance offers premium reductions for multi-car, pay in full, switch companies, homeowner, electronic funds transfer, mature driver, and good student.
  • State Farm includes discounts for multiple policy, defensive driving training, good driver, safe vehicle, student away at school, passive restraint, and Drive Safe & Save.

If you need low cost insurance quotes, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered in your area. To find insurance companies with the best insurance discounts, enter your zip code here.

Auto insurance buyers beware

Consumers can’t avoid all the ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. All the companies make the same claim of big savings after switching to their company.

How can each company lower your prices? This is how they do it.

Most companies have a preferred profile for the type of insured that makes them money. One example of this type of insured might be described as over the age of 50, has other policies, and does not commute to work. Any driver who meets those qualifications will get very good rates as well as save a lot if they switch.

Consumers who cannot meet this stringent profile will get higher rates which usually ends up with the prospect going elsewhere. The trick is to say “drivers who switch” not “everyone who quotes” can get the lowest rates when switching. That is how companies can truthfully advertise the way they do.

Because each company has a different risk profile, it is so important to compare free insurance quotes often. It is impossible to guess the company that will have the lowest car insurance rates for your situation.

Tailor your car insurance coverage to you

When choosing coverage, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

  • Am I covered by my spouse’s policy after a separation?
  • When would I need rental car insurance?
  • Am I getting all the discounts available?
  • What is an SR-22 filing?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and enter your zip code. It is quick, free and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages available from car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, damage from getting keyed and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your MKX resulting 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 coverage protects against things like colliding with another moving vehicle, sideswiping another vehicle, rolling your car, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Lincoln MKX.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liability limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like nursing services, chiropractic care, funeral costs and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Liability coverage

This coverage will cover injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as medical services, pain and suffering, legal defense fees, emergency aid and court costs. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Do the work, save more money

Some insurance providers do not provide price quotes online and many times these smaller companies prefer to sell through local independent agents. Budget-conscious 2020 Lincoln MKX insurance is available from both online companies as well as from independent agents, so compare prices from both to have the best rate selection.

While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. In many cases, consumers will sacrifice liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible at the best possible price, not the least amount of coverage.

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