Compare 2019 Lincoln MKX 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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Want lower auto insurance rates for your Lincoln MKX? Did a good deal turn out to be an overpriced auto insurance policy? Trust us, you’re not alone.

With so many insurance companies to choose from, it can be impossible to find the right auto insurance company.

It’s a great practice to compare rates once or twice a year because auto insurance prices trend upward over time. Even if you think you had the best deal on MKX coverage last year you can probably find a better rate now. Forget all the misinformation about auto insurance because you’re about to find out the things you must know in order to lower your rates without sacrificing coverage.

Do you qualify for discount car insurance?

Insurance can cost an arm and a leg, but you can get discounts that many consumers don’t even know exist. Most are applied when you purchase, but once in a while a discount must be asked for before you get the savings.

  • Home Ownership Discount – Just being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • Good Grades Discount – Getting good grades may save as much as 25% on a insurance quote. Earning this discount can benefit you until age 25.
  • Seat Belt Discounts – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • No Claims – Insureds with no claims or accidents pay less compared to drivers who are more careless.
  • Telematics Discount – Drivers who agree to allow their company to study vehicle usage by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
  • Active Service Discounts – Being on active duty in the military may lower your rates slightly.
  • Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote insurance on MKX coverage depending on your company.

You should keep in mind that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it’s just not the way it works.

Larger car insurance companies and a selection of discounts can be read below.

  • Progressive may have discounts that include online quote discount, good student, multi-policy, homeowner, continuous coverage, online signing, and multi-vehicle.
  • MetLife discounts include good driver, defensive driver, good student, claim-free, multi-policy, and accident-free.
  • Mercury Insurance has savings for good driver, location of vehicle, low natural disaster claims, multi-car, and type of vehicle.
  • Nationwide offers discounts for multi-policy, anti-theft, defensive driving, family plan, and good student.
  • GEICO may offer discounts for air bags, anti-theft, membership and employees, five-year accident-free, and good student.
  • AAA policyholders can earn discounts including good driver, education and occupation, multi-car, good student, and anti-theft.

Before purchasing a policy, check with every prospective company which discounts they offer. All car insurance discounts might not be offered in every state.

How to buy car insurance online

When looking for low cost insurance quotes, there are a couple ways to compare rate quotes from all the different companies. The best way to find the lowest 2019 Lincoln MKX rates is to get quotes online. This can be accomplished in a couple minutes as outlined below.

  • If you are pressed for time, the simplest way consumers can make multiple comparisons is an all-inclusive rate comparison. This method prevents you from having to do separate forms for every prospective company. Completing one form gets insurance cost estimates from many national carriers.
  • A more time consuming way to find more affordable insurance requires a visit to the website for every company you want to compare to request a price quote. For examples sake, let’s assume you want to compare prices for Nationwide, GEICO and GMAC. You would have to visit each site and enter your information, which is why most consumers use the first method.
  • The most time-consuming way to get comparison rates is to waste gas driving to insurance agents’ offices. The ability to quote online makes this process obsolete unless you prefer the professional guidance that can only be provided by a licensed insurance agent. It is possible with some companies compare online quotes and still use a local agent.

Which method you use is up to you, but ensure you are comparing nearly identical quote information on every quote. If you compare different data you can’t possibly make an equal comparison. Just a small difference in coverage limits could skew the results. Keep in mind that comparing more quotes provides better odds of finding the best price.

What insurance coverages do I need?

When choosing the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Which companies will insure high-risk drivers?
  • What if I don’t agree with a claim settlement offer?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I break a side mirror?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I waive the damage coverage when renting a car?
  • What companies insure drivers after a DUI or DWI?
  • Do I need rental car coverage?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Car insurance coverages explained

Having a good grasp of a car insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Collision protection

This coverage will pay to fix damage to your MKX from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses like EMT expenses, dental work, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

This coverage can cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like repair costs for stationary objects, emergency aid, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, theft, a tree branch falling on your vehicle, fire damage and hail damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Pennies from heaven

You just learned quite a bit of information on how to get a better price on 2019 Lincoln MKX insurance. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the biggest savings come from some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Budget-friendly car insurance can be purchased on the web and from local agencies, so you need to shop insurance with both in order to have the best chance of saving money. Some insurance companies don’t offer internet price quotes and most of the time these regional insurance providers prefer to sell through independent agents.

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