Save on Lincoln MKX Insurance in San Diego

How long has it been since you compared cheaper Lincoln MKX insurance in San Diego? Comparing and finding cheaper prices for Lincoln MKX insurance in San Diego may be slightly frustrating for drivers who are new to quoting coverage rates online. Consumers have so many choices that it can easily be a chore to find the best prices.

Inconceivable but true, almost 70% of drivers kept buying from the same company for over three years, and about 40% of consumers have never shopped around. With the average premium in California being $1,390, drivers could save almost $500 every year just by getting comparison quotes, but they just assume it takes a lot of time to compare rate quotes.

Consumers need to get comparison quotes once or twice a year due to the fact that insurance rates change frequently. Just because you found the best premium rates on Lincoln MKX insurance in San Diego last year there may be better deals available now. Forget all the misinformation about auto insurance because you’re going to learn the best way to lower your annual insurance bill.

If you currently have auto insurance, you will most likely be able to get lower rates using the tips covered below. Obtaining price quotes for the cheapest auto insurance policy in San Diego is not as time-consuming as you think. Nevertheless, California consumers need to learn how the larger insurance companies calculate your auto insurance rates because it varies considerably.

Take policy discounts and save on Lincoln MKX insurance in San Diego

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be specially asked for in order for you to get them.

• Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote San Diego car insurance with select insurance companies.
• Braking Control Discount – Cars and trucks with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.
• Good Students Pay Less – Excelling in school may save you up to 25%. Many companies even apply the discount to college students up to age 25.
• Online Discount – A few larger companies give back up to $50 get San Diego car insurance on their website.
• Discount for Life Insurance – Companies who offer life insurance give a discounted price on car insurance if you buy a life insurance policy as well.
• Onboard Data Collection – Drivers that enable their insurance company to track where and when they drive by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as they are good drivers.
• Policy Bundle Discount – If you can bundle your auto and home insurance with one insurance company you will save up to 20% off your total MKX insurance premium.
• Passenger Safety Discount – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
• Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% compared to accident prone drivers.

One last thing about discounts, most discounts do not apply to the whole policy. Some only apply to individual premiums such as comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way.

Popular insurance companies and a partial list of their discounts are included below.

• American Family has savings for mySafetyValet, good student, defensive driver, air bags, multi-vehicle, and Steer into Savings.
• Farm Bureau may have discounts that include multi-policy, 55 and retired, good student, renewal discount, safe driver, driver training, and multi-vehicle.
• State Farm includes discounts for good driver, multiple autos, defensive driving training, anti-theft, and passive restraint.
• Travelers may offer discounts for multi-car, new car, hybrid/electric vehicle, multi-policy, and driver training.
• The Hartford has discounts for bundle, good student, anti-theft, driver training, vehicle fuel type, defensive driver, and air bag.
• GEICO offers discounts including air bags, five-year accident-free, defensive driver, daytime running lights, military active duty, multi-vehicle, and anti-theft.
• Progressive discounts include continuous coverage, multi-vehicle, homeowner, good student, multi-policy, online quote discount, and online signing.

When comparing rates, check with every insurance company what discounts are available to you. Some credits might not be offered in San Diego. To view companies that have a full spectrum of discounts in California, click this link.

When shopping for affordable Lincoln MKX insurance quotes, there are a couple of ways of comparing rates from many available car insurance companies in California. The easiest way to comparison shop consists of shopping online.

When comparing car insurance rates, know that getting more free quotes increases the chance that you will find more affordable insurance.

The companies shown below have been selected to offer free quotes in San Diego, CA. If multiple providers are shown, we recommend you visit two to three different companies in order to find the cheapest rates.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific location information which can influence rates greatly.

Annual premiums comparing men and women in San Diego

The chart below shows the comparison of Lincoln MKX yearly insurance costs for male and female drivers. The premiums are based on a clean driving record, no claims, full coverage, $100 deductibles, marital status is single, and no discounts are factored in.

Choosing deductibles

One of the more difficult decisions when buying auto insurance is what deductibles to buy. The tables below summarize the differences in premium rates when you choose different physical damage coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in your specific San Diego location which can decrease or increase coverage rates considerably.

Based on these figures, using a $100 deductible costs approximately $49 more each month or $588 annually than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 18 months between claims, you would come out ahead if you choose a higher deductible.

An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more of your own money if you have a claim. That will force you to have some savings in the bank in the event you need to pay more to get your vehicle repaired.

Tailor your car insurance coverage to you

When it comes to buying insurance from an agent or online for your personal vehicles, there really is not a one-size-fits-all type of policy. Your needs are unique to you and a cookie cutter policy won’t apply.
These are some specific questions could help you determine whether you would benefit from an agent’s advice.

• Am I covered while delivering pizza?
• Am I covered if I crash into my own garage door?
• Is my Lincoln MKX covered for smoke damage?
• Do I need an umbrella policy?
• Am I covered if I hit a deer?
• Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Compare rate quotes but buy from a local neighborhood San Diego car insurance agent

Certain consumers just prefer to get professional advice from a licensed agent and that is not a bad decision A nice benefit of comparing insurance online is you can get the best rates and still have an agent to talk to. Supporting local agents is definitely important in San Diego.

Once you complete this short form, the coverage information is emailed to agents in your area who will gladly provide quotes for your insurance coverage. You won’t need to contact any insurance agencies since rate quotes are delivered immediately to your email address. You can find the lowest rates and an insurance agent to talk to. If you have a need to get a rate quote from one company in particular, feel free to visit that company’s website and fill out the quote form the provide.

Choosing the best insurer requires you to look at more than just a low price. Agents should be asked these questions:

• Will their companies depreciate repairs to your car based on the mileage?
• Can you contact them at any time?
• Is the agency covered by Errors and Omissions coverage?
• Does the company have a local claim office in San Diego?
• What are their preferred companies if they are an independent agency?

Do the work, save more money

We covered a lot of tips how to save on Lincoln MKX insurance in San Diego. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost San Diego car insurance quotes. Consumers could even find that the best price on car insurance is with the least-expected company. They often have lower premium rates on specific markets compared to the large companies like Allstate or State Farm.

When shopping online for car insurance, never buy poor coverage just to save money. In too many instances, an accident victim reduced collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible at an affordable rate while still protecting your assets.

Additional car insurance information can be found below:

• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Teen Driver Licensing Information (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• Child Safety Seats (Insurance Information Institute)