Lincoln MKX Insurance Quotes in Atlanta

Are you tired of trying to find cheaper Lincoln MKX insurance in Atlanta? No normal person looks forward to paying premiums for auto insurance, especially when it costs too dang much.

It’s astonishing, but nearly 70% of customers have stayed with the same insurance company for four years or more, and nearly 40% of drivers have never even shopped around for affordable coverage. Atlanta drivers could save as much as $960 a year just by comparing rates, but they don’t want to take the time to compare rates and save money. Many insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the best rate on Lincoln MKX insurance in Atlanta.

Consumers should take time to shop coverage around before your next renewal because prices go up and down regularly. Despite the fact that you may have had the best deal on Lincoln MKX insurance in Atlanta at your last renewal you may be paying too much now. Don’t believe everything you read about MKX insurance on the internet, but we’re going to give you some great ways to stop overpaying for insurance in Atlanta.

How to buy Lincoln MKX insurance in Atlanta

The companies in the list below are our best choices to provide price comparisons in Georgia. If multiple companies are shown, we recommend you visit several of them to find the most affordable car insurance rates.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates noticeably.

Rate comparison for different deductibles

One of the more difficult decisions when buying car insurance is how high should the deductibles for physical damage be. The rates shown below summarize the rate differences when you select higher and lower insurance deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in vehicle location which can impact premium rates considerably.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $31 more each month or $372 each year than choosing the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 24 months between claim filings, you would come out ahead going with the higher deductible.

It may be expensive, but it’s not optional

Despite the high cost of buying insurance for a Lincoln MKX in Atlanta, insurance is not optional due to several reasons.

• Almost all states have mandatory insurance requirements which means you are required to carry a specific level of liability coverage in order to get the vehicle licensed. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Lincoln has a loan, more than likely the lender will require that you have insurance to guarantee loan repayment. If you let the policy lapse, the lender may have to buy a policy to insure your Lincoln at a much higher rate and make you pay for it.
• Insurance protects both your assets and your car. It will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your car are definitely more than the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $865 each year so we recommend shopping around every year to make sure the price is not too high.

Good Decisions Result in Lower Insurance Costs

Lots of things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like an MVR report, although some other factors are not quite as obvious such as whether you are married or how safe your car is. Consumers need to have an understanding of some of the elements that go into determining your premiums. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower premium levels.

• Fast cars cost more to insure – The make and model of the car or truck you are trying to find cheaper insurance for makes a big difference in determining your rates. The lowest base rates are usually found on lower cost passenger cars, but that’s not the only thing that factors into the final price. Since the Lincoln MKX is a luxury crossover, insuring your vehicle will cost substantially more as compared to the average rate in Atlanta.
• Consolidate policies and save money – Lots of insurers will give a discount to insureds who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to check prices from other companies to guarantee you are still saving the most.
• Pay less if you’re married – Walking down the aisle may save some money compared to being single. Having a spouse generally demonstrates drivers are more financially stable and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Prevent your car from being stolen – Selecting a car model with advanced anti-theft systems can help lower your rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all help prevent vehicle theft.
• Your stress level may be raising your rates – Jobs like lawyers, police officers, and medical professionals generally pay higher average rates because of intense work requirements and lots of time spent at work. Conversely, careers such as scientists, athletes and homemakers get better rates.
• Men pay more for insurance coverage – Statistics show that women are safer drivers than men. However, don’t assume that females are better at driving than males. They both have auto accidents at a similar rate, but guys tend to have higher claims. Men also receive more costly citations like driving under the influence (DUI). Male drivers age 16 to 19 cause the most accidents and are penalized with high insurance rates.
• Tickets are costly – A bad driving record can have a huge impact on auto insurance premiums. Just one citation may increase your cost forty percent or more. Attentive drivers have lower premiums compared to drivers with tickets. Drivers with careless citations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form with their state in order to continue driving.
• Insurance loss data for Lincoln MKX vehicles – Insurance companies take into consideration insurance loss statistics for every vehicle when they file their rates in each state. Models that are shown to have higher prevalence or dollar amount of losses will be charged more to insure. The table shown below demonstrates the loss history for Lincoln MKX vehicles.

  For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Percentages below 100 mean the vehicle has better than average losses, while numbers above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

  Auto Insurance Loss Data for Lincoln MKX Models

  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

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance discounts are available to lower rates

Companies offering auto insurance do not list every policy discount very clearly, so the next list breaks down a few of the more common and also the lesser-known discounts that you may qualify for.

• New Vehicle Savings – Insuring a new MKX may earn a small discount since new vehicles have better safety ratings.
• Pay Upfront and Save – By paying your policy upfront as opposed to paying monthly you could save up to 5%.
• Memberships – Belonging to qualifying employment or professional organizations could qualify you for a break on your next renewal.
• Policy Bundle Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company you could earn a discount of approximately 10% to 15%.
• More Vehicles More Savings – Buying insurance for multiple cars on a single policy can get a discount for every vehicle.
• Anti-lock Brakes – Cars and trucks equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
• Defensive Driver Discount – Taking time to complete a course teaching defensive driving skills may get you a small discount and easily pay for the cost of the class.
• Resident Student – Kids who attend college more than 100 miles from Atlanta and do not have a car may qualify for this discount.
• Accident-Free Discounts – Insureds who avoid accidents and claims pay much less as compared to policyholders that have many claims.
• Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote Atlanta auto insurance with select insurance companies.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

To choose insurance companies who offer online Lincoln MKX insurance quotes in Atlanta, click here to view.

When in doubt talk to an agent

When quoting and choosing insurance from an agent or online, there really isn’t a one size fits all plan. Your needs are unique to you so your insurance needs to address that.
These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

• Why am I required to get a high-risk car insurance policy?
• Can my babysitter drive my car?
• Are split liability limits better than a combined single limit?
• Am I covered when driving a rental car?
• When would I need rental car insurance?
• Does insurance cover tools stolen from my truck?
• Which companies will insure high-risk drivers?
• Should I carry comprehensive and collision coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Local Atlanta auto insurance agents

Many drivers would prefer to sit down and talk to an agent and often times that is recommended Licensed agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing rates online is you may find lower rates and still choose a local agent.

After completing this form (opens in new window), your insurance coverage information is submitted to local insurance agents who will gladly provide quotes for your insurance coverage. You won’t even need to contact any agents because quoted prices will be sent immediately to your email address. In the event you want to get a price quote from a specific insurance provider, you can always go to their quote page and give them your coverage information.

Finding the right insurance company should include more criteria than just a cheap price quote. Here are some questions you might want to ask.

• Is the coverage adequate for your vehicle?
• Has the agent ever had any license suspensions?
• Can they help ensure a fair claim settlement?
• Do they specialize in personal lines coverage in Atlanta?
• How many years of experience in personal auto insurance do they have?
• Is the agency active in community causes in Atlanta?
• Do you qualify for any additional discounts?
• What company holds the largest book of business for them?

Choose an insurance agent wisely

If you need to find local Atlanta agents, there are two types of insurance agents and how they can write your policy. Insurance agencies can be categorized as either exclusive or independent (non-exclusive). Both sell insurance policies, but it’s worth mentioning how they differ because it can impact which type of agent you select.

Exclusive Agents

Exclusive agents can only provide pricing for a single company and examples are State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. These agents receive a lot of sales training in insurance sales and that can be a competitive advantage.

Shown below are exclusive agents in Atlanta that can give you rate quotes.

More Atlanta agents

Independent Agencies or Brokers

Independent agents do not sell for just one brand so as a result can place your coverage with any number of different companies and help determine which has the cheapest rates. If they find a cheaper price, they simply move the coverage in-house which makes it simple for you. If you are comparing rate quotes, you absolutely need to get some free quotes from at a minimum one independent agency to have the most options to choose from.

The following is a short list of independent agents in Atlanta that can give you price quote information.

More Atlanta agents

Smart consumers save more

Cheaper car insurance in Atlanta is possible on the web and also from your neighborhood Atlanta agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not offer price quotes online and usually these smaller companies prefer to sell through independent insurance agencies.

When you buy Atlanta auto insurance online, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, an insured cut full coverage to discover at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

Much more information about car insurance in Georgia can be read below:

• What is Full Coverage? (Allstate)
• Who Has Cheap Atlanta Auto Insurance Quotes for 18 Year Olds? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a Ford Fusion in Atlanta? (FAQ)
• How Much is Car Insurance After a Speeding Ticket in Atlanta? (FAQ)
• Who Has Cheap Car Insurance Rates for Drivers Under 25 in Atlanta? (FAQ)
• Understanding Car Crashes Video (iihs.org)
• Event Data Recorders FAQ (iihs.org)