Best Lincoln MKX Insurance in Phoenix

Are you doing reasearch to find low-cost Lincoln MKX insurance in Phoenix? Have you finally had enough of robbing Peter to pay Paul each month for auto insurance? You are in the same boat as many other people in Arizona.

Shocking but true, the vast majority of consumers kept their policy with the same company for well over three years, and 38% of drivers have never compared rates from other carriers. Consumers in Arizona can save approximately 50% each year, but they won’t spend time to shop around.

Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the best rate on Lincoln MKX insurance in Phoenix.

When comparison shopping, quoting more will increase your chances of finding the best offered rates. Not every company allows you to get Phoenix MKX insurance quotes online, so it’s important to also get quotes from them as well.

The auto insurance companies shown below are ready to provide quotes in Phoenix, AZ. If several companies are displayed, we recommend you visit two to three different companies in order to get a fair rate comparison.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can modify insurance rates noticeably.

Physical damage deductible comparison

One frequently asked question is which comprehensive and collision deductibles to buy. The following tables show the premium difference between low and high comp and collision deductibles. The first table uses a $250 deductible and the second price table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific zip code location which can revise rates greatly.

Using the data above, we can ascertain that using a $250 deductible costs about $13 more each month or $156 every year than quoting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 19 months between claim filings, you would save money if you opt for a higher deductible.

Physical damage deductible comparison

The diagram below demonstrates how deductible levels and can impact Lincoln MKX yearly insurance costs for each different age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Get lower-cost rates on Lincoln MKX insurance in Phoenix with these car insurance discounts

Companies that sell car insurance don’t necessarily list every possible discount in an easy-to-find place, so we took the time to find a few of the more well known and also the lesser-known car insurance savings.

• Data Collection Discounts – People who choose to allow data collection to analyze vehicle usage by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they are good drivers.
• Membership in Organizations – Participating in specific professional or occupational memberships or organizations can get you a small discount on your policy.
• Accident-Free Discounts – Drivers with accident-free driving histories pay less in comparison with drivers who are more careless.
• Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
• Defensive Driver Discounts – Participating in a class that teaches driver safety techniques can save you 5% or more if you qualify.
• One Accident Forgiven – Not a discount per se, but certain companies will forgive one accident before raising your premiums as long as you don’t have any claims for a specific time period.
• Switch and Save Discount – Some companies provide a discount for renewing your policy before your current MKX insurance policy expires. It can save you around 10%.
• Driver’s Ed – Cut your cost by having your teen driver successfully take a driver’s education course in high school.

It’s important to note that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will lower your policy cost.

A list of companies and the discounts they provide can be found below.

• Progressive may include discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, online signing, and online quote discount.
• Farmers Insurance policyholders can earn discounts including pay in full, switch companies, bundle discounts, alternative fuel, and homeowner.
• Farm Bureau has savings for renewal discount, 55 and retired, multi-policy, driver training, and multi-vehicle.
• State Farm may offer discounts for good student, passive restraint, Steer Clear safe driver discount, student away at school, and driver’s education.
• GEICO offers premium reductions for seat belt use, driver training, anti-lock brakes, air bags, and multi-policy.
• SAFECO has discounts for drive less, anti-theft, multi-car, accident prevention training, and bundle discounts.
• Liberty Mutual discounts include safety features, multi-car, good student, preferred payment discount, newly married, and hybrid vehicle.

It’s a good idea to ask every insurance company what discounts are available to you. Some credits may not apply to policyholders in every state. If you would like to choose from a list of insurers who offer free Lincoln MKX insurance quotes in Arizona, click here to view.

Best reasons to buy insurance in Arizona

Despite the high cost of buying insurance for a Lincoln MKX in Phoenix, insurance may be required and benefits you in several ways.

• Almost all states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a loan on your MKX, more than likely the lender will have a requirement that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may have to buy a policy to insure your Lincoln at a more expensive rate and force you to pay the higher premium.
• Insurance protects not only your Lincoln but also your financial assets. It will also reimburse you for medical bills incurred in an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of your driving. If your Lincoln gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your MKX more than offset the price you pay, specifically if you ever have a liability claim. Despite what companies tell you, the average driver overpays as much as $869 every year so it’s important to compare rates at every renewal to save money.

Tailor your car insurance coverage to you

When choosing insurance from an agent or online for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply.
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

• Why do I need rental car insurance?
• What discounts do I qualify for?
• Will my insurance pay for OEM parts?
• What if a claim settlement is too low?
• Why are teen drivers so expensive to add on to my policy?
• Is other people’s property covered if stolen from my vehicle?
• What is an umbrella policy?
• Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Get rate quotes but buy from a local Phoenix insurance agent

Many drivers would prefer to sit down and talk to an agent and that can be a smart move One of the best bonuses of price shopping on the web is that drivers can save money and get the best rates and still have a local agent. And supporting neighborhood agents is still important in Phoenix.

To help locate an agent, after submitting this short form, your insurance coverage information is instantly submitted to insurance agents in Phoenix who will give you quotes for your coverage. You never need to even leave your home because quoted prices will be sent to the email address you provide. You can find lower rates and a licensed agent to talk to. If you have a need to quote rates for a specific company, you just need to jump over to their website and give them your coverage information.

If you want to buy car insurance from local Phoenix agents, you need to know there are two different types of agencies that you can choose from. Car insurance agents in Phoenix can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agents (or Brokers)

Independent agencies can sell policies from many different companies and that is an advantage because they can write policies with any number of different companies and get the cheapest rates. If your agent finds better pricing, the agent simply finds a different carrier and the insured can keep the same agent.

If you need lower rates, you absolutely need to get some free quotes from several independent agencies for the best price selection.

Shown below are independent insurance agencies in Phoenix that can possibly get you comparison quotes.

View more Phoenix agents

Exclusive Insurance Agencies

These agents have only one company to place business with and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agents are usually well trained on sales techniques and that allows them to sell at a higher price point.

Shown below is a list of exclusive agents in Phoenix willing to provide price quotes.

View more Phoenix agents

Finding the right insurance agent is decision based upon more than just the quoted price. Get answers to these questions too.

• Can they give you a list of client referrals?
• Can they help ensure a fair claim settlement?
• Is the coverage adequate for your vehicle?
• What is the financial rating for the quoted company?
• How are claims handled?
• Does the company allow you to choose your own collision repair facility?
• What insurance companies do they recommend if they are an independent agent?