View 2013 Lincoln MKX Insurance Quotes

Searching for cheaper auto insurance rates for your Lincoln MKX? Locating cheaper insurance for a Lincoln MKX can be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to shop for auto insurance so you’re going to learn the best way to quote coverages for a new or used Lincoln and get the best price possible either online or from local insurance agents.

It’s a good habit to do price comparisons occasionally because insurance rates are rarely the same from one policy term to another. If you had the lowest premium rates for MKX coverage last year there may be better deals available now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the easiest way to get good coverage at a lower rate.

Find hidden discounts to get affordable car insurance rates

Car insurance companies do not advertise every discount they offer in an easy-to-find place, so the list below gives a summary of a few of the more common and the harder-to-find credits available to bring down your rates.

  • Multiple Vehicles – Purchasing coverage when you have multiple cars on a single policy may reduce the rate for each vehicle.
  • Payment Method – By making one initial payment rather than paying monthly you may reduce your total bill.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts could save 15% on medical payment and PIP coverage.
  • Buy New and Save – Buying coverage on a new vehicle may earn a small discount because newer models keep occupants safer.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower rates.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Auto insurance companies that have these discounts include:

If you need lower rates, check with each company or agent which discounts you qualify for. A few discounts may not be available in your state. If you would like to choose from a list of providers who offer discounts, click this link.

Tailor your car insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your situation may require specific advice.

  • At what point should I drop full coverage?
  • Is my nanny covered when driving my vehicle?
  • Am I better off with higher deductibles on my 2013 Lincoln MKX?
  • What is no-fault insurance?
  • What if I owe more than I can insure my car for?
  • When can I cancel my policy?
  • When should I buy a commercial auto policy?
  • Does having multiple vehicles earn me a discount?
  • Can I afford to buy a different vehicle if my 2013 Lincoln MKX is totaled?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverage specifics

Understanding the coverages of car insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverage

Collision insurance covers damage to your MKX resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” 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 a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Coverage for liability

This will cover injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like court costs, structural damage, bail bonds, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, damage from a tornado or hurricane and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage pay for bills for chiropractic care, X-ray expenses, surgery, prosthetic devices and funeral costs. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Compare but don’t skimp

The cheapest 2013 Lincoln MKX insurance is available online in addition to many insurance agents, so you should compare both to have the best rate selection. Some auto insurance companies don’t offer online price quotes and many times these regional carriers prefer to sell through local independent agencies.

When shopping online for auto insurance, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

We just covered many tips how you can get a better price on 2013 Lincoln MKX insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your prices. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.

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