Compare 2009 Lincoln MKX Car Insurance Rates

Searching for cheaper auto insurance rates for your Lincoln MKX? Nobody I know looks forward to buying auto insurance, especially knowing the price is too high.

Big-name insurance companies like Progressive, Geico and Farmers Insurance continually bombard you with catchy ads and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

These discounts can slash insurance rates

Companies do not advertise all their discounts in a way that’s easy to find, so here is a list both the well known as well as the least known savings tricks you should be using.

  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for MKX insurance with certain companies.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Senior Discount – Older drivers may qualify for a discount up to 10% for MKX insurance.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for MKX insurance than less cautious drivers.
  • Claim Free – Claim-free drivers pay less when compared to frequent claim filers.

Keep in mind that most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free insurance policy, you won’t be that lucky.

For a list of insurance companies with discount insurance rates, click here.

The easiest way to compare insurance rates from multiple companies is to take advantage of the fact all the major auto insurance companies participate in a system to give you rate quotes. To get started, all you need to do is provide a small amount of information like an estimate of your credit level, any included safety features, if the vehicle is leased, and whether you drive to work or school. The rating information gets sent immediately to many different companies and you will get price comparisons within a short period of time.

To start a quote now, click here and complete the form.

Lincoln MKX insurance rates have many determining factors

It’s important that you understand some of the elements that help determine your car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The following are some of the factors used by your company to calculate prices.

  • Do you need those extra coverages? – There are a lot of extra bells and whistles you can purchase on your MKX policy. Things like roadside assistance, better glass coverage and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don’t need them remove them from your policy.
  • Pleasure use or commuting – Driving more miles each year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your car insurance coverage shows the proper vehicle usage. Incorrect usage on your MKX may be costing you.
  • Better credit means lower rates – Credit history is a large factor in your rate calculation. If your credit history is not that good, you could save money insuring your 2009 Lincoln MKX by improving your credit score. People with excellent credit tend to be more responsible than those with lower credit scores.
  • Where you live can impact rates – Choosing to live in a small town is a positive aspect when talking about car insurance. Urban drivers regularly have more traffic problems and a longer drive to work. Fewer people translates into fewer accidents as well as less vandalism and auto theft.
  • Younger drivers pay higher rates – Older insureds are more responsible, file fewer claims and receive fewer citations. Youthful drivers tend to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher.
  • Men pay higher rates – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women tend to get into accidents at a similar rate, but the men cause more damage. Men also statistically get more serious tickets such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Better crash test results mean better rates – Safer cars get lower rates. The safest vehicles protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you. If the Lincoln MKX is rated at least four stars on Safercar.gov you may qualify for a discount.

When might I need the advice of an agent?

When buying proper insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

  • Is other people’s property covered if stolen from my vehicle?
  • Is a fancy paint job covered?
  • Am I covered if I drive in a foreign country?
  • Can my teen drive my company car?
  • What happens if I owe more than my 2009 Lincoln MKX is worth?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer 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, simply complete this short form or go to this page to view a list of companies.

Specific coverage details

Knowing the specifics of insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as rehabilitation expenses, surgery and chiropractic care. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lincoln MKX.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, pain and suffering, funeral expenses, loss of income and medical services. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive coverage

This will pay to fix 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 fire damage, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Do the work, save more money

As you restructure your insurance plan, you should never buy less coverage just to save a little money. Too many times, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best price.

Throughout this article, we presented a lot of ways to save on 2009 Lincoln MKX insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from an unexpected company. These companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

More detailed insurance coverage information can be read in these articles: