2016 Lincoln MKX Car Insurance Quotes – 5 Tricks for Best Rates

Trying to find better car insurance rates for your Lincoln MKX? Trying to come up with a payment for overpriced car insurance can overdraw your monthly budget and force you to prioritize other expenses. Doing a rate analysis can be a smart way to lower your monthly bill.

Many car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the absolute cheapest price

If you have a policy now or need new coverage, you can follow these tips to get lower rates while maximizing coverage. Finding the best rates is quite easy. Drivers just need to learn the most effective way to compare price quotes over the internet.

Double check you’re getting these five discounts

Some insurers don’t always publicize every available discount in a way that’s easy to find, so the list below details a few of the more common and also the more inconspicuous credits that may apply to you.

  • Multiple Vehicles – Insuring more than one vehicle with one company qualifies for this discount.
  • Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote when compared with frequent claim filers.
  • Defensive Driver – Passing a course in safe driver is a good idea and can lower rates and make you a better driver.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.
  • Data Collection Discounts – Drivers who elect to allow their insurance company to track their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.

One thing to note about discounts is that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that you can get free auto insurance, it doesn’t quite work that way.

If you would like to see a list of insurance companies that offer discounts, click here.

Which insurance is cheapest?

Finding a lower price on 2016 Lincoln MKX insurance is actually easier than you may think. Drivers just need to invest a little time to get quotes to find out which insurance company has the cheapest auto insurance quotes. Rate comparisons can be done in just a few minutes using one of these methods.

  1. The simplest way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for boring form submissions for every insurance company. Just one form gets you price quotes from insurance companies with the best prices.
  2. A more difficult way to compare prices requires you to visit the website for every company you want to comare and repeat the quote process. For instance, we’ll assume you want to compare Liberty Mutual, Farmers and Progressive. In order to get each rate, you would have to spend time going to each site individually to enter your coverage information, which can get old fast. For a list of links to companies insuring cars in your area, click here.
  3. The last method to find and compare rates is to spend your day driving to insurance agents’ offices. Comparing rate quotes online has made agencies unnecessary unless you want the professional guidance that you can only get from talking to an agent. It is possible to comparison shop your insurance online and have a local agent actually service the policy.

It’s up to you which method you use, but make darn sure you compare identical information for every quote you compare. If the quotes have different values for each quote it’s impossible to make a fair rate comparison.

Special considerations

When choosing the best insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Which companies will insure high-risk drivers?
  • What is the ISO rating for a 2016 Lincoln MKX?
  • Is motorclub coverage worth it?
  • Does my insurance cover my expensive audio equipment?
  • How can I get my company to pay me more for my totalled car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does insurance cover damages from a DUI accident?
  • Is my state a no-fault state?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance coverage basics

Having a good grasp of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage 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 like colliding with another moving vehicle, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive insurance

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

Comprehensive can pay for things like vandalism, theft, damage from flooding, fire damage and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

This coverage provides protection from injuries or damage you cause to other people or property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like structural damage, court costs, legal defense fees, pain and suffering and funeral expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses like ambulance fees, rehabilitation expenses, X-ray expenses and EMT expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

In the end, you save

We’ve covered many ways to shop for 2016 Lincoln MKX insurance online. The most important thing to understand is the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier. These companies may often insure only within specific states and give getter rates compared to the large companies like Progressive or Geico.

The cheapest 2016 Lincoln MKX insurance can be purchased online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and most of the time these small insurance companies only sell through local independent agents.

Additional detailed information can be found by following these links: