How Much Does 2009 Lincoln MKX Car Insurance Cost?

Buyers have a choice when searching for affordable Lincoln MKX insurance. You can either waste hours driving around to get rate comparisons or use the internet to find the lowest rates.

There is a right way and a wrong way to shop for car insurance so we’re going to tell you the absolute fastest way to get price quotes for your Lincoln and find the cheapest rates.

It’s a good idea to do price comparisons as often as possible because car insurance prices fluctuate regularly. If you had the lowest rate for MKX coverage last year a different company probably has better premium rates today. You’ll find a ton of advice on car insurance on the web, but you can learn some of the best ways to buy car insurance cheaper.

Cheaper insurance rates with discounts

Not too many consumers would say insurance is affordable, but there could be significant discounts that you may not know about. Most are applied when you complete an application, but once in a while a discount must be requested specifically before you will receive the discount.

  • Defensive Driver Discount – Participating in a class that teaches driver safety techniques could earn you a small percentage discount if your company offers it.
  • Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease for MKX coverage with certain companies.
  • Own a Home – Just owning your own home can save you money because maintaining a house requires personal responsibility.
  • Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates for MKX coverage than drivers with accident claims.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20% or more.
  • College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for MKX coverage.
  • ABS Brakes – Cars with ABS and/or traction control prevent accidents so companies give up to a 10% discount.
  • Membership in Organizations – Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates on your bill.

As a footnote on discounts, some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Popular insurance companies and their offered discounts are shown below.

  • State Farm offers discounts including Drive Safe & Save, safe vehicle, anti-theft, defensive driving training, passive restraint, and Steer Clear safe driver discount.
  • American Family may include discounts for early bird, good student, accident-free, bundled insurance, and air bags.
  • GEICO may have discounts that include daytime running lights, air bags, anti-lock brakes, membership and employees, and defensive driver.
  • 21st Century discounts include student driver, defensive driver, early bird, driver training, and anti-lock brakes.
  • Progressive policyholders can earn discounts including multi-policy, online quote discount, continuous coverage, online signing, multi-vehicle, homeowner, and good student.

Before you buy a policy, ask each insurance company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in your area. To view insurance companies that can offer you the previously mentioned discounts, click this link.

How to compare auto insurance quotes

There are multiple methods to compare auto insurance prices but some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can utilize the internet to get the quickest rates.

Many insurance companies participate in a marketplace where insurance shoppers submit their information once, and every company can provide price quotes based on that information. This prevents consumers from doing form submissions to each company.

To find out what other companies charge click here to start a free quote.

The one downside to using this type of system is you cannot specify the insurers to receive prices from. So if you prefer to pick specific insurance companies for rate comparison, we put together a list of low cost auto insurance companies in your area. Click to view list.

Whichever method you choose, be sure to compare exactly the same coverages with every price quote. If you have different data it will be impossible to truly determine the lowest rate.

Five things that affect your insurance premiums

When buying insurance coverage it’s important to understand the different types of things that aid in calculating your insurance coverage rates. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with big savings. Many factors are used when pricing auto insurance. A few of the factors are predictable such as your driving history, but some are more transparent such as your marital status or how financially stable you are.

  • Better prices on safer cars – Cars with high safety ratings can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy. If the Lincoln MKX earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Qualify for multi-policy discounts – Some insurance coverage companies afford a discount to customers who carry more than one policy. It’s known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other company rates to make sure you are getting the best deal.
  • High credit scores save money – Having a good credit score can be an important factor in determining your rates. People that have excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit scores. If your credit score is lower than you’d like, you could potentially save money when insuring your 2009 Lincoln MKX if you improve your credit rating.
  • Occupation can influence rates – Did you know your career choice can influence rates? Occupational choices like doctors, business owners and dentists tend to have higher premiums than the average policyholder in part from job stress and long work days. On the flip side, careers such as farmers, athletes and performers pay the least for MKX coverage.
  • Cheaper rates after marriage – Getting married can get you a discount on your insurance coverage bill. It is viewed as being more mature than a single person it has been statistically shown that being married results in fewer claims.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help you determine whether you could use an agent’s help.

  • How do I insure my teen driver?
  • How much liability coverage do I need in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When should I not file a claim?
  • Am I insured when driving a different vehicle?
  • How many claims can I have before being cancelled?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Is there deception in advertising?

Consumers can’t get away from all the ads that claim the lowest prices from companies such as GEICO, State Farm and Progressive. They all seem to make the same claim about savings if you change to them.

It sounds good, but how can they all make almost identical claims? Just pay attention to how they say it.

Different companies quote their best rates for the type of customer that is profitable for them. An example of a desirable risk could be over the age of 50, has few claims, and drives less than 5,000 miles a year. Any person that hits that “sweet spot” will get very good premium rates and have a good chance to save when switching.

Insureds who do not meet this ideal profile will get higher premiums which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “all people who quote” can get the lowest rates when switching. This is how companies can lure you into getting a quote.

Because of this risk profiling, it is so important to compare price quotes frequently. Because without a comparison, you cannot know which company will have the best premium rates at this point in time.

Insurance coverage breakdown

Having a good grasp of insurance aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2009 Lincoln MKX.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a deer and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

Liability insurance will cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, structural damage, emergency aid and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Collision coverage

Collision coverage covers damage to your MKX from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses like pain medications, ambulance fees and surgery. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Summing up your car insurance search

Lower-priced car insurance can be purchased from both online companies in addition to many insurance agents, so you need to quote insurance coverage with both to get a complete price analysis. Some insurance providers don’t offer the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent agents.

People who switch companies do it for any number of reasons including policy cancellation, not issuing a premium refund, policy non-renewal and even unfair underwriting practices. Regardless of your reason, switching car insurance companies is less work than it seems.

We’ve covered some good ideas how to get a better price on 2009 Lincoln MKX insurance. It’s most important to understand that the more you quote insurance coverage, the better chance you’ll have of finding inexpensive insurance coverage. Drivers may discover the most savings is with a small local company.

Much more information about car insurance can be found at the links below