How Much Does 2016 Lincoln MKX Car Insurance Cost?

Trying to find the cheapest auto insurance rates? Buyers have a choice when searching for low-cost Lincoln MKX insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to make rate comparisons.

There are both good and bad ways to find auto insurance online so we’re going to tell you the best way to price shop coverage for a new or used Lincoln and find the lowest possible price either online or from local insurance agents.

It’s a great practice to price shop coverage yearly since rates are constantly changing. Even if you got the best rates on MKX insurance a year ago there is a good chance you can find better rates now. You can find a lot of wrong information about auto insurance online but by reading this article, you’re going to learn some good information on how to stop overpaying for insurance.

Cut your car insurance rates with discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at the time of quoting, but a few need to be asked for before being credited. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on MKX insurance than drivers with accident claims.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on MKX insurance with select insurance companies.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Driver Safety – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% on MKX insurance.
  • Club Memberships – Participating in certain professional organizations could trigger savings when shopping for car insurance on MKX insurance.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.

Insurance companies who might offer some of the above discounts include:

Check with each insurance company how you can save money. Some discounts might not apply in your state.

How to Lower Your Insurance Cost

Cutting your insurance rates is actually quite simple. Drivers just need to spend a few minutes to get quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The most efficient way consumers can analyze rates is a comparison rater form (click to open form in new window). This method prevents you from having to do separate quote forms for each company. A single form will get you rate comparisons direct from many companies. This is perfect if you don’t have a lot of time.

Another way to obtain and compare quotes online requires you to visit each company’s website and fill out their own quote form. For sake of this example, we’ll assume you want rates from Farmers, Allstate and Travelers. To get each rate you have to go to every website and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples coverage limits and deductibles on every quote. If you use higher or lower deductibles it will be next to impossible to find the best deal for your Lincoln MKX.

You are unique and your auto insurance should be too

When buying adequate coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

  • Do I need rental car coverage?
  • When does my teenage driver need to be added to my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • What is the rate difference between pleasure use and commuting?
  • Why do I only qualify for high-risk insurance?
  • How can I get high-risk coverage after a DUI?
  • What is PIP insurance?
  • Can my teen drive my company car?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Information about specific coverages

Knowing the specifics of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Collision insurance

Collision coverage covers damage to your MKX caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, crashing into a building, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages

This can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, pain and suffering, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, X-ray expenses and pain medications. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, a tree branch falling on your vehicle and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Make an honest buck

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. In many cases, someone dropped liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

The cheapest 2016 Lincoln MKX insurance can be sourced online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some auto insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

We just presented some good ideas how to reduce insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a small local company.

More tips and info about auto insurance is available by following these links: