Best Rate Quotes for Lincoln MKX Insurance in Chula Vista

Discount Lincoln MKX insuranceDid you fall for a flashy sales pitch and buy high-priced Lincoln MKX insurance in Chula Vista? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Unimaginable but true, over 70% of consumers kept their coverage with the same insurance company for more than four years, and almost half have never even compared quotes to find cheap rates. The average driver in California could save about 35% every year just by comparing rates, but they won’t spend time to find cheap insurance by shopping around.

Steps to finding affordable quotes for Lincoln MKX insurance in Chula Vista

To save the most money, the best way to get the cheapest auto insurance rates in Chula Vista is to start comparing prices regularly from providers in California. Price quotes can be compared by following these guidelines.

The most important part of shopping around is to make sure you enter the same coverage limits and deductibles on each price quote and and to compare as many companies as possible. Doing this provides an apples-to-apples comparison and a complete selection of prices.

Companies like Progressive, State Farm and GEICO promote their brand names with TV and radio ads and it is difficult to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

The quickest way to compare policy rates for Lincoln MKX insurance in Chula Vista takes advantage of the fact most larger insurance companies participate in a system to quote your coverage. To get started, all you need to do is provide details like how much education you have, if you have a valid license, your job, and how your vehicles are used. That rating data is instantly provided to insurance companies and you get price estimates very quickly.

To compare multiple company lower-cost Lincoln MKX insurance rates now, click here and find out if you can get cheaper insurance in Chula Vista.

The companies shown below are our best choices to provide free quotes in California. To find cheap car insurance in Chula Vista, CA, we suggest you visit as many as you can in order to get a fair rate comparison.

Chula Vista insurance discounts for a Lincoln MKX

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that many consumers don’t even know exist. Most are applied at the time of quoting, but some may not be applied and must be requested specifically prior to getting the savings. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.Cheaper auto insurance with discounts

Drivers should understand that many deductions do not apply to the whole policy. Some only apply to individual premiums such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, insurance companies wouldn’t stay in business. But any discount will help reduce your overall premium however.

The diagram below visualizes the comparison of Lincoln MKX insurance premiums with and without some available policy discounts. The data is based on a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, homeowner, multi-car, and claim-free discounts applied.

Large auto insurance companies and a selection of discounts can be read below.

Before you buy a policy, ask every prospective company how you can save money. A few discounts may not apply in your state. If you would like to view providers with the best discounts in Chula Vista, click here.

Rates and other information

The data table displayed below highlights estimates of policy rates for Lincoln MKX models. Having a good grasp of how insurance prices are formulated can help customers make smart choices when comparing insurance quotes.

Lincoln MKX Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $216 $464 $424 $26 $126 $1,256 $105
MKX AWD $244 $464 $424 $26 $126 $1,284 $107
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in specific location information which can affect premiums greatly.

Where to set your deductibles

A question often asked by Chula Vista drivers is where should you set your physical damage deductibles. The rates below may help to conceptualize the rate differences between low and high physical damage deductibles. The first table uses a $250 deductible and the second price table uses a $500 deductible.

Lincoln MKX insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $342 $678 $442 $26 $132 $1,645 $137
MKX AWD $386 $678 $442 $26 $132 $1,689 $141
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Lincoln MKX insurance premium estimates 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
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in specific location which can affect insurance rates substantially.

Based on this data, using a $250 deductible will cost you approximately $18 more each month or $216 a year averaged for all MKX models than selecting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average more than 14 months between claim filings, you would come out ahead if you choose a higher deductible.

Lincoln MKX liability-only versus full coverage

The diagram below shows the comparison of Lincoln MKX yearly insurance costs when comparing full coverage to liability only. The prices are based on no accidents, no driving violations, $100 deductibles, single marital status, and no policy discounts are applied.

When to stop buying full coverage

There is no exact rule to eliminate physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Lincoln MKX replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after the deductible is paid. If you are paying more than $700 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some cases where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Chula Vista Insurance Premiums are Influenced by These Factors

It’s important that you understand the different types of things that aid in calculating the rates you pay for auto insurance. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you lower auto insurance prices.

Drive less and get lower premiums – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how much you drive. Autos used primarily for pleasure use qualify for better rates than those used for commuting. An incorrectly rated MKX may be wasting your money. Double check that your auto insurance declarations sheet properly reflects the right rating data, because improper ratings can cost you money.

Save by driving cars with good safety ratings – Safer cars get lower rates. Highly rated vehicles reduce occupant injuries and any reduction in injury severity means lower claim amounts which can result in lower premiums. If your Lincoln MKX is rated at a minimum four stars on you may pay a lower rate.

Women tend to cost less – Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. They both get in fender benders at about the same rate, but the males get into accidents with more damage. They also receive more costly citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are most likely to cause an accident and are penalized with high auto insurance rates.

The illustration below illustrates the difference between Lincoln MKX insurance costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, full coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

Deter car thieves – Choosing a vehicle that has a built-in theft deterrent system can save you some money. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.

Loss statistics for a Lincoln MKX – Insurance companies include the past claim trends for vehicles when they file their rates in each state. Vehicles that statistically have a trend towards higher claim severity or frequency will cost more for coverage.

The table below shows the insurance loss data for Lincoln MKX vehicles. For each policy coverage type, the claim probability for all vehicles as a whole is a value of 100. Percentage values below 100 suggest losses that are better than average, while numbers above 100 indicate a higher chance of having a claim or a tendency for claims to be larger.

Car Insurance Loss Data for Lincoln MKX Models
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

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