Compare Lincoln MKX Insurance Quotes in Los Angeles

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Insurance rates Lincoln MKX in Los AngelesWould you like to find more competitive auto insurance rates in Los Angeles, CA? Los Angeles buyers have a choice when searching for affordable Lincoln MKX insurance. You can either waste hours struggling with agents trying to get quotes or use the internet to make rate comparisons. There are more efficient ways to compare auto insurance rates so we're going to tell you the best way to compare rates for a new or used Lincoln and find the cheapest rates from both online companies and Los Angeles agents.

It's a great practice to do price comparisons every six months because auto insurance prices go up and down regularly. Even if you think you had the best rates on Lincoln MKX insurance in Los Angeles a couple years back the chances are good that you can find a lower premium rate today. Ignore everything you know about auto insurance because you're going to get a crash course in the things you must know in order to save on auto insurance.

How to buy Lincoln MKX insurance online

The companies in the list below can provide free quotes in California. If multiple companies are shown, we suggest you visit several of them in order to find the most affordable rates.

Lincoln MKX coverage analysis

The table displayed below showcases different insurance premium costs for Lincoln MKX models. Having a better idea how insurance policy premiums are figured can assist in making decisions when shopping around.

Lincoln MKX Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $278 $546 $442 $26 $132 $1,424 $119
MKX AWD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Customized Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rates do not factor in vehicle location which can alter auto insurance rates greatly.

How high should deductibles be?

One of the more difficult decisions when buying auto insurance is the level to set your comp and collision deductibles. The following insurance rates determine the difference in cost when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.

Lincoln MKX insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $380 $810 $442 $26 $132 $1,815 $151
MKX AWD $430 $810 $442 $26 $132 $1,865 $155
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Lincoln MKX insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $278 $546 $442 $26 $132 $1,424 $119
MKX AWD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Customized Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in Los Angeles location which can lower or raise premiums considerably.

We can derive from the above data that using a $100 deductible costs roughly $32 more each month or $384 a year than opting for the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 13 months between claim filings, you would probably come out ahead if you choose the higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $153
Average monthly premium for $500 deductibles (subtract): - $121
Monthly savings from raising deductible: $32
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important issue to know is that raising deductibles means you will have to pay more of your own money if you have a claim. That will force you to have enough disposable income in order to pay the higher deductible.

Careless driving habits raise auto insurance rates

The information below highlights how traffic violations and fender-benders can affect Lincoln MKX insurance costs for different age categories. The premiums are based on a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Auto insurance premiums based on gender

The illustration below illustrates the comparison of Lincoln MKX insurance premiums for male and female drivers. The data assumes no accidents or driving violations, comp and collision included, $250 deductibles, marital status is single, and no other discounts are factored in.

Three good reasons to insure your Lincoln MKX

Even though it's not necessarily cheap to insure a Lincoln in Los Angeles, insurance is mandatory in California but it also protects more than you think.

  • Most states have minimum liability requirements which means the state requires specific limits of liability insurance coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you took out a loan on your vehicle, almost all lenders will have a requirement that you have comprehensive coverage to guarantee their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Lincoln at an extremely high rate and require you to fork over the higher premium.
  • Insurance protects both your assets and your Lincoln MKX. It also can pay for medical bills for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance more than offset the price you pay, especially if you ever need it. Today the average American driver overpays as much as $750 every year so it's important to compare rates at every policy renewal to save money.

Smart Consumers Know How to Get Car Insurance More Affordably

Part of the car insurance buying process is learning a few of the rating criteria that come into play when calculating your premiums. When you understand what determines premiums, this enables you to make decisions that may reward you with lower car insurance prices. Lots of things are used in the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, but others are more transparent such as your marital status or your vehicle rating.

The items below are some of the most rate-impacting factors used by companies to determine rates.

  • Liability risk factors - Your policy's liability coverage will protect you if ever a jury decides you are liable for damages caused by your negligence. It provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • What type of car, truck or SUV do you drive? - The make and model of the vehicle you need insurance for makes a substantial difference in your car insurance bill. Low performance passenger vehicles usually have the lowest premiums, but the final cost of insurance is determined by many other factors.

    The chart below assumes a married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Lincoln MKX rates compared to other models of vehicles that have a range of risk factors.

  • Mature drivers pay less - Drivers with little experience have a tendency to be less responsible with other occupants in the car and because of this, their car insurance rates are much higher. More mature drivers are more responsible, cause fewer claims and accidents, and get fewer tickets.

    The next chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Lower rates by increasing comp and collision deductibles - Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Some examples of covered claims would be a dented fender, hitting a deer, and damage from a fallen tree branch. Deductibles for physical damage tell how much you are willing to pay out-of-pocket if the claim is covered. The more expense you choose to pay out-of-pocket, the lower your rates will be.
  • Lincoln MKX historical loss data - Companies study historical loss data when setting rates for each model. Models that the data determines to have high amounts or severity of claims will be charged more to insure. The information below illustrates the insurance loss data for Lincoln MKX vehicles.

    For each policy coverage, the claim amount for all vehicles, regardless of make or model, is equal to 100. Numbers that are below 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate frequent claims or an increased likelihood of larger losses.

    Lincoln MKX Insurance Loss Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Lincoln MKX 4dr 2WD 77 80 67 66 81 78
    Lincoln MKX 4dr 4WD 86 91 92 76 79 87
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

These discounts can slash Lincoln MKX insurance rates

Car insurance is not an enjoyable expense, but there could be significant discounts that can dramatically reduce your bill. Some discounts will apply at the time of purchase, but some must be inquired about before being credited. If you're not getting every credit you qualify for, it's possible you qualify for a lower rate.Save money with discounts

  • Buy New and Save - Buying insurance on a new vehicle is cheaper because newer vehicles have to meet stringent safety requirements.
  • Discount for Life Insurance - Larger insurance companies have a small discount if you purchase some life insurance in addition to your auto policy.
  • Accident-Free Discounts - Insureds who avoid accidents and claims can earn big discounts compared to drivers with a long claim history.
  • Discounts for Safe Drivers - Insureds who avoid accidents can save as much as half off their rates as compared to drivers with claims.
  • ABS Braking Discount - Cars and trucks with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.
  • Federal Government Employee - Simply working for the federal government could provide a small rate reduction with certain companies.
  • Discount for Low Mileage - Low annual miles may enable drivers to earn slightly better car insurance rates than normal.
  • Payment Discounts - If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
  • Online Discount - A handful of car insurance companies will give a small break for signing up on your computer.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, you won't be that lucky. Any amount of discount should help reduce your policy premiums.

The example below visualizes the comparison of Lincoln MKX auto insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, multi-policy, and claim-free discounts applied.

A few of the larger companies and their possible discounts can be found below.

  • Farmers Insurance offers discounts for pay in full, good student, distant student, multi-car, and electronic funds transfer.
  • State Farm offers premium reductions for multiple autos, driver's education, safe vehicle, Drive Safe & Save, student away at school, and multiple policy.
  • Liberty Mutual may include discounts for good student, multi-policy, newly retired, multi-car, and exclusive group savings.
  • MetLife may have discounts that include multi-policy, good driver, claim-free, defensive driver, and good student.
  • Progressive offers discounts including online signing, continuous coverage, online quote discount, homeowner, and multi-vehicle.

Before buying, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in Los Angeles.

Your situation helps dictate your coverage

When choosing insurance from an agent or online for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your insurance should be unique as well.Higher deductibles save money Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Am I better off with higher deductibles on my Lincoln MKX?
  • Can my babysitter drive my car?
  • Does rental coverage apply when I am renting a car?
  • When should I remove comp and collision on my Lincoln MKX?
  • What is GAP insurance?
  • Is my dog or cat covered if injured in an accident?

If you're not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

Are auto insurance agents a thing of the past?

Some people still like to buy from a local agent. Insurance agents are trained risk managers and help submit paperwork. A good thing about comparing insurance prices online is you can get the best rates and still have an agent to talk to.

Los Angeles insurance agentsOnce you complete this simple form, your information is emailed to agents in your area who will give you bids for your insurance coverage. It makes it easy because there is no need to search for any insurance agencies as quotes are delivered instantly to you. If you have a need to compare prices from a particular provider, feel free to search and find their rate quote page and fill out the quote form the provide.

Finding the right insurance company shouldn't rely on just a cheap price quote. The questions below may impact your decision as well.

  • Does the quote include credit and driving reports?
  • Will a damage claim use OEM or aftermarket replacement parts?
  • What are the financial ratings for the companies they represent?
  • If they are an independent agency in Los Angeles, which companies do they recommend?
  • Will the agent or a CSR service your policy?

If you are searching for a reputable agency, you should know the different types of agents and how they differ in how they quote coverages. Insurance agencies in Los Angeles can be categorized as either independent or exclusive. Both types of agents can write policy coverage, but it's important to know the difference in the companies they write for since it may influence which agent you choose.

Exclusive Insurance Agents

Agents of this type have only one company to place business with and examples are Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to give you multiple price quotes so they have to upsell other benefits. These agents receive extensive training on the products they sell which helps offset the inability to provide other markets. Consumers frequently buy insurance from these agents mainly due to high brand loyalty and solid financial strength.

Listed below is a list of exclusive insurance agents in Los Angeles who may provide you with price quotes.

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Independent Agents (or Brokers)

These type of agents are not employed by any specific company so they can quote policies with lots of companies depending on which coverage is best. If your agent finds better pricing, they simply move your policy to a different company and you won't have to switch agencies. When comparing car insurance rates, we recommend you include rate quotes from a few independent agents so that you have a good selection of quotes to compare. Most can insure with companies you've never heard of which can be an advantage.

Listed below is a list of independent insurance agents in Los Angeles who can help you get price quote information.

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After you get positive feedback to any questions you may have as well as an affordable premium quote, you may have found an insurance agent that can properly insure your vehicles.

Cheaper insurance rates are possible

As you shop your coverage around, it's not a good idea to buy poor coverage just to save money. Too many times, an insured dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Cost effective Lincoln MKX insurance is attainable online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer the ability to get quotes online and most of the time these smaller providers sell through independent agencies.

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