Compare 2007 Lincoln MKX Car Insurance Rates

Nobody I know likes paying for auto insurance, particularly when they are paying too much.

Because you have many choices of insurance companies, it is very difficult to find the most affordable insurance company.

It’s a great practice to shop coverage around every six months since rates are adjusted regularly by insurance companies. Even if you got the lowest price for MKX insurance two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the best way to find better coverage at a better price.

Buying car insurance is not that difficult. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these tips. But vehicle owners do need to learn how the larger insurance companies price online insurance and take advantage of how the system works.

Free Quotes for Auto Insurance

All major auto insurance companies like Progressive, Allstate and GEICO give coverage price quotes on their websites. Obtaining pricing is fairly straightforward as you simply enter your coverage information as requested by the quote form. Once entered, the system requests your driving record and credit report and generates pricing information based on these and other factors. Online quotes streamlines rate comparisons, but the work required to visit different websites and type in the same information can get tiresome after awhile. But it’s very important to have as many quotes as possible if you are searching for better auto insurance pricing.

An easier way to locate the lowest prices uses one simple form to obtain quotes from more than one company. The form is fast, requires less work, and makes online quotes much easier. After sending the form, it gets priced and you are able to buy your choice of the resulting price quotes. If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and may save quite a bit of money.

To find out how much you’re overpaying now, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you enter the coverages exactly as shown on your declarations page. This helps ensure you will receive a fair comparison for exact coverage.

Save with discounts on Lincoln MKX insurance

Companies don’t list every available discount very clearly, so here is a list both the well known as well as the least known discounts you could be receiving.

  • Resident Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • Federal Employees – Active or retired federal employment may qualify you for a discount for MKX insurance with certain companies.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
  • New Car Discount – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
  • One Accident Forgiven – Certain companies permit an accident before your rates go up if you are claim-free for a certain period of time.

It’s important to understand that most discounts do not apply to the entire cost. Most cut individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

Car insurance companies that may have these benefits are:

Before buying, ask every prospective company which discounts they offer. Some discounts may not apply everywhere.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique so your insurance needs to address that. These are some specific questions may help you determine if your situation could use an agent’s help.

  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I wreck a rental car?
  • Do I benefit by insuring my home with the same company?
  • If my 2007 Lincoln MKX is totaled, can I afford another vehicle?
  • Should I buy only the required minimum liability coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my insurance cover a custom paint job?
  • Can I make deliveries for my home business?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance coverage specifics

Learning about specific coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from car insurance companies.

Collision coverage

This will pay to fix damage to your MKX caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, hitting a mailbox, sustaining damage from a pot hole, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, damage from a tornado or hurricane and theft. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.


Liability coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like repair costs for stationary objects, pain and suffering and loss of income. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for things like rehabilitation expenses, nursing services and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Make a quick buck

Lower-priced 2007 Lincoln MKX insurance can be found from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies do not offer online price quotes and these smaller companies work with independent agents.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. Too many times, an insured dropped comprehensive coverage or liability limits and learned later that it was a big error on their part. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Additional car insurance information is available at the links below