Affordable Insurance for a Lincoln MKX in Scottsdale

If you want to save money, the best way to save money on car insurance rates in Scottsdale is to compare prices at least once a year from insurance carriers who provide auto insurance in Arizona. You can compare rates by following these guidelines.

• First, try to learn a little about how companies set rates and the measures you can take to drop your rates. Many rating criteria that are responsible for high rates like inattentive driving and a less-than-favorable credit rating can be remedied by being financially responsible and driving safely. Read the full article for additional tips to help find cheaper rates and find discounts that you may qualify for.
• Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies. Compare rates
• Third, compare the new rate quotes to the premium of your current policy to determine if you can save on MKX insurance. If you can save money and make a switch, make sure coverage does not lapse between policies.
• Fourth, give notification to your current company to cancel your current auto insurance policy. Submit a down payment and signed policy application to the new company. Be sure to place your new certificate verifying proof of insurance in an easily accessible location.

One thing to remember is that you use identical deductibles and limits on every quote and and to look at as many different companies as possible. Doing this provides a fair rate comparison and the best price selection.

Unimaginable but true, nearly 70% of customers have stayed with the same insurance company for over three years, and 38% of drivers have never compared rate quotes at all. Scottsdale drivers could cut their rates by as much as 50% a year by just comparing rate quotes, but most just don’t grasp how much they could save if they replace their high priced policy.

Discounts mean cheaper rates for Lincoln MKX insurance in Scottsdale

Auto insurance is not an enjoyable expense, but you might be missing out on some discounts that could help you make your next renewal payment. Certain credits will be shown when you complete an application, but lesser-known reductions have to be specifically requested prior to getting the savings.

• Braking Control Discount – Cars and trucks with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
• Discounts for New Vehicles – Buying a new car instead of a used MKX may earn a small discount compared to insuring an older model.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower auto insurance rates if you buy auto and life insurance together.
• Mature Driver Discount – Older drivers may receive a slight reduction on a Scottsdale auto insurance quote.
• Data Collection Discounts – Insureds who allow driving data collection to monitor when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates as long as they are good drivers.
• Multi-Vehicle Discounts – Having several vehicles on one policy can reduce the rates for all insured vehicles.
• Policy Bundle Discount – When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total MKX insurance premium.
• No Claims – Insureds with no claims or accidents can save substantially as compared to frequent claim filers.
• Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of up to 25% or more.

We need to note that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

The example below shows the difference between Lincoln MKX annual premium costs with and without discounts applied. The prices are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, safe-driver, claim-free, and homeowner discounts applied.

For a list of auto insurance companies that offer many of these discounts in Scottsdale, follow this link.

Finding a lower price on Lincoln MKX insurance isn’t really that difficult. You just need to spend a few minutes getting comparison quotes provided by online insurance companies.

Comparing free quotes online is easy and it, makes it obsolete to drive around to and from local Scottsdale insurance agencies. Buying insurance online eliminates this option unless you want the extra assistance of a local Scottsdale agent. However, consumers can get the lowest quotes online but have a local agent actually write the policy.

The companies shown below are our best choices to provide quotes in Arizona. If you wish to find the cheapest auto insurance in Scottsdale, we suggest you visit as many as you can to get the cheapest price.

Insurance rate breakdown

The rate table displayed next showcases a range of policy rates for Lincoln MKX models. Having a better idea how policy rates are figured can help customers make informed decisions when shopping around for a new policy.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can modify coverage rates noticeably.

Higher deductibles lower rates

One frequently asked question is how high should the physical damage deductibles be. The rates shown below may aid in understanding the differences in premium rates between high and low insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in vehicle location which can lower or raise coverage prices considerably.

We can derive from the above data that using a $100 deductible will cost you about $23 more each month or $276 for a full year across all Lincoln MKX models than selecting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 17 months between claims, you would probably save some money going with the higher deductible.

One big caveat is that a higher deductible means you will have to pay more when you have a comprehensive or collision claim. You must have some funds available in the event you need to pay more for the deductible.

The chart below illustrates how your deductible choice and can impact Lincoln MKX insurance premiums for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Full coverage rates vs. liability-only

The diagram below shows the comparison of Lincoln MKX insurance premiums with liability coverage only compared to full coverage. Data assumes a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are factored in.

When to eliminate full coverage

There is no written rule of when to phase out full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Lincoln MKX replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some scenarios where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

When in doubt talk to an agent

When quoting and choosing a policy for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if you will benefit from professional help.

• Which companies will insure me after a DUI?
• Do I have coverage when making deliveries for my home business?
• Is business equipment covered while in my vehicle?
• Should I carry comprehensive and collision coverage?
• Is my state a no-fault state?
• Are my tools covered if they get stolen from my vehicle?
• Can my babysitter drive my car?
• Am I covered by my spouse’s policy after a separation?

If you’re not sure about those questions, 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. It’s fast, free and can provide invaluable advice.

Local Scottsdale insurance agents

Many people would rather talk to a local agent and that can be a smart move Agents are trained risk managers and help submit paperwork. One of the best bonuses of price shopping on the web is the fact that you can find cheap rate quotes but still work with a licensed agent.

Once you complete this form (opens in new window), the quote information gets sent to participating agents in Scottsdale that can give you free Scottsdale auto insurance quotes to get your business. You won’t even need to even leave your home because prices are sent to your email. If for some reason you want to get a comparison quote from a specific company, you would need to go to their quote page and fill out their quote form.

Finding the right insurance company should include more criteria than just a low price. Below are some questions you should ask.

• If independent agents, which companies do they recommend?
• What insurance company do they write the most business with?
• Is the coverage adequate for your vehicle?
• Do they offer claims assistance after hours?
• Which companies can they place coverage with?
• How long has their agency been open in Scottsdale?

When finding a reliable insurance agent, it can be helpful to understand the different types of agencies that you can select. Auto insurance agents in Scottsdale are classified as either independent or exclusive depending on the company they work for. Both types of agents can write auto insurance policies, but it’s important to know how they differ since it can affect which agent you choose.

Exclusive Agents

Exclusive insurance agents can usually just insure with one company and examples are American Family, State Farm, and AAA. Exclusive agencies are unable to compare rates from other companies so keep that in mind. Exclusive insurance agents are highly trained on their company’s products and that can be a competitive advantage.

Shown below are exclusive insurance agencies in Scottsdale willing to provide rate quotes.

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Independent Agents

These agents are not employed by one company so they can quote policies with a variety of different insurance companies and get the cheapest rates. If they find a lower price, they simply move your policy to a different company and the insured can keep the same agent.

When comparing auto insurance prices, we highly recommend that you include rate quotes from independent agents for the best price selection.

The following is a list of independent agencies in Scottsdale that can give you price quotes.

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Quote more and you will save more

People who switch companies do it for a number of reasons such as unfair underwriting practices, policy cancellation, policy non-renewal or high rates after DUI convictions. Regardless of your reason, switching insurance companies can be less work than you think.

Cheaper Lincoln MKX insurance in Scottsdale is definitely available both online and also from your neighborhood Scottsdale agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not offer online price quotes and usually these regional carriers only sell coverage through local independent agencies.

When shopping online for insurance, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, someone dropped full coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest cost while still protecting your assets.

Additional detailed information is located by following these links:

• Winter Driving (Insurance Information Institute)
• Who Has Cheap Car Insurance Rates for Safe Drivers in Scottsdale? (FAQ)
• Who Has the Cheapest Scottsdale Car Insurance Quotes for Felons? (FAQ)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Reducing Your Risks in a Car Crash Video (iihs.org)