2011 Lincoln MKX Car Insurance Quotes – 5 Tips to Save

Want the cheapest insurance coverage rates for your Lincoln MKX? Are you at wits end from sacrificing other expenses to pay high insurance coverage rates every month? You’re in the same situation as the majority of other vehicle owners. You have multiple insurers to purchase coverage from, and although it’s nice to have a choice, it can be more challenging to compare rates and find the lowest cost insurance coverage.

Consumers need to quote other rates periodically because prices trend upward over time. Even if you think you had the lowest rates for MKX insurance a year ago there may be better deals available now. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the fastest way to find better rates and still maintain coverage.

Choosing the best insurance company for you is quite easy. If you have a current insurance coverage policy or are looking for a new policy, you can follow these tips to shop for the lowest rates while maintaining coverages. Drivers just need to understand how to buy insurance coverage online.

Pay discount rates with these five discounts

Car insurance companies don’t always list every possible discount very clearly, so the list below details a few of the more common and also the lesser-known credits that may apply to you. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • Multiple Vehicles – Having several vehicles on one policy can get a discount on all vehicles.
  • Life Insurance – Some insurance carriers give a break if you buy auto and life insurance together.
  • Accident Forgiveness Coverage – but companies like Geico, Allstate and Liberty Mutual allow you one accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts can get savings of 25 to 30%.
  • No Accidents – Insureds with no claims or accidents can save substantially as opposed to insureds who have frequent claims or accidents.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky. But any discount will definitely lower the cost of your policy.

Large auto insurance companies and their offered discounts include:

  • Progressive discounts include online signing, online quote discount, multi-policy, good student, and homeowner.
  • MetLife may offer discounts for claim-free, accident-free, defensive driver, good student, multi-policy, good driver
  • Mercury Insurance offers discounts including age of vehicle, type of vehicle, multi-car, multi-policy, low natural disaster claims, and good student.
  • Nationwide policyholders can earn discounts including Farm Bureau membership, easy pay, multi-policy, business or organization, good student, and anti-theft.
  • Geico may have discounts that include multi-vehicle, military active duty, good student, emergency military deployment, seat belt use, and anti-theft.
  • AAA may include discounts for good student, multi-policy, education and occupation, pay-in-full, multi-car, good driver, and anti-theft.

When getting free insurance coverage quotes, it’s a good idea to every company the best way to save money. Depending on the company, some discounts might not be offered on policies in your area.

Finding insurance

Finding cheap insurance rates is not rocket science. The only thing you need to do is invest a little time to compare free insurance coverage quotes to find out which insurance company has the cheapest insurance coverage quotes. It’s super easy and can be done in several different ways.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate forms for each company. In just a few minutes this one form compares rates direct from many companies.

A different way to get comparison quotes requires visiting the website for each individual company to complete a price quote. For sake of this example, let’s assume you want to compare Progressive, 21st Century and GMAC. To find out each rate you need to navigate to each company’s site to input your insurance information, and that explains why we recommend the first method.

To view a list of companies in your area, click here.

The old school method to comparison shop rate quotes is to spend your day driving to insurance agents’ offices. The ability to buy insurance online has made agencies unnecessary unless you require the professional assistance that you can only get from talking to an agent. It is possible to price shop your coverage online but still have the advice of a local agent.

Compare rates however you want, just be sure you’re using identical coverage limits for each comparison quote. If you use different limits and deductibles on each one then you won’t be able to determine which company has the best rates.

Your situation helps dictate your coverage

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining if your situation may require specific advice.

  • Does my insurance cover a custom paint job?
  • Who is covered by my policy?
  • Is my teenager covered with friends in the car?
  • Is my cargo covered for damage or theft?
  • Is my 2011 Lincoln MKX covered for flood damage?
  • How can I find cheaper teen driver insurance?
  • Do I have coverage if my license is suspended?
  • What is covered by UM/UIM coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is the minimum liability in my state?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Can you really save if you switch?

Consumers constantly see and hear ads that claim the lowest car insurance rates from companies such as 21st Century, Allstate and State Farm. All the companies advertise the message of big savings just by switching your insurance policy to them.

But how can every company say the same thing? Here is the trick they use.

All the different companies can use profiling for the type of customer that makes them money. A good example of a desirable risk should be a married female, has had continuous coverage, and drives a car with an anti-theft system. A propective insured who matches those parameters will probably get the lowest car insurance rates and will probably save some money.

Potential insureds who do not fit this ideal profile will get higher rates which leads to the customer buying from a different company. If you listen closely, the ads state “customers who switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can advertise the savings. That is why you really need to compare rate quotes every year. It is just not possible to predict which insurance company will have the best rates.

Auto insurance coverage considerations

Having a good grasp of auto insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2011 Lincoln MKX.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, falling objects and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as surgery, prosthetic devices and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This covers damage to your MKX from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, hitting a mailbox, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage

Liability insurance provides protection from damage that occurs to other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as bail bonds, pain and suffering, medical services and loss of income. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Be a penny pincher

When you buy insurance coverage online, you should never sacrifice coverage to reduce premiums. There have been many situations where an insured cut uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your focus should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

Some insurance coverage companies do not provide online rate quotes and usually these small insurance companies work with independent agents. Cheaper 2011 Lincoln MKX insurance can be purchased on the web as well as from independent agents, and you should compare rates from both to get a complete price analysis.

Much more information about insurance coverage is located on the following sites: