Best Lincoln MKX Insurance in Phoenix

Are you doing reasearch to find low-cost Lincoln MKX insurance in Phoenix? Have you finally had enough of robbing Peter to pay Paul each month for auto insurance? You are in the same boat as many other people in Arizona.

Insurance for Lincoln MKXShocking but true, the vast majority of consumers kept their policy with the same company for well over three years, and 38% of drivers have never compared rates from other carriers. Consumers in Arizona can save approximately 50% each year, but they won’t spend time to shop around.

Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the best rate on Lincoln MKX insurance in Phoenix.

When comparison shopping, quoting more will increase your chances of finding the best offered rates. Not every company allows you to get Phoenix MKX insurance quotes online, so it’s important to also get quotes from them as well.

The auto insurance companies shown below are ready to provide quotes in Phoenix, AZ. If several companies are displayed, we recommend you visit two to three different companies in order to get a fair rate comparison.

Lincoln MKX Insurance Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $200 $450 $338 $20 $102 $1,110 $93
MKX AWD $224 $456 $282 $16 $84 $1,062 $89
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can modify insurance rates noticeably.

Physical damage deductible comparison

One frequently asked question is which comprehensive and collision deductibles to buy. The following tables show the premium difference between low and high comp and collision deductibles. The first table uses a $250 deductible and the second price table uses a $500 deductible.

Lincoln MKX insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $232 $460 $300 $18 $90 $1,125 $94
MKX AWD $262 $460 $300 $18 $90 $1,155 $96
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Lincoln MKX insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $188 $370 $300 $18 $90 $966 $81
MKX AWD $212 $370 $300 $18 $90 $990 $83
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific zip code location which can revise rates greatly.

Using the data above, we can ascertain that using a $250 deductible costs about $13 more each month or $156 every year than quoting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 19 months between claim filings, you would save money if you opt for a higher deductible.

Physical damage deductible comparison

The diagram below demonstrates how deductible levels and can impact Lincoln MKX yearly insurance costs for each different age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Get lower-cost rates on Lincoln MKX insurance in Phoenix with these car insurance discounts

Companies that sell car insurance don’t necessarily list every possible discount in an easy-to-find place, so we took the time to find a few of the more well known and also the lesser-known car insurance savings.Cheaper car insurance with discounts

It’s important to note that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will lower your policy cost.

A list of companies and the discounts they provide can be found below.

It’s a good idea to ask every insurance company what discounts are available to you. Some credits may not apply to policyholders in every state. If you would like to choose from a list of insurers who offer free Lincoln MKX insurance quotes in Arizona, click here to view.

Best reasons to buy insurance in Arizona

Despite the high cost of buying insurance for a Lincoln MKX in Phoenix, insurance may be required and benefits you in several ways.

The benefits of insuring your MKX more than offset the price you pay, specifically if you ever have a liability claim. Despite what companies tell you, the average driver overpays as much as $869 every year so it’s important to compare rates at every renewal to save money.

Tailor your car insurance coverage to you

When choosing insurance from an agent or online for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply.Safe vehicles cost less to insure
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

If you’re not sure about those questions but you know they apply to you, 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 or you can go here for a list of companies in your area.

Get rate quotes but buy from a local Phoenix insurance agent

Many drivers would prefer to sit down and talk to an agent and that can be a smart move One of the best bonuses of price shopping on the web is that drivers can save money and get the best rates and still have a local agent. And supporting neighborhood agents is still important in Phoenix.

Insurance agents in PhoenixTo help locate an agent, after submitting this short form, your insurance coverage information is instantly submitted to insurance agents in Phoenix who will give you quotes for your coverage. You never need to even leave your home because quoted prices will be sent to the email address you provide. You can find lower rates and a licensed agent to talk to. If you have a need to quote rates for a specific company, you just need to jump over to their website and give them your coverage information.

If you want to buy car insurance from local Phoenix agents, you need to know there are two different types of agencies that you can choose from. Car insurance agents in Phoenix can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agents (or Brokers)

Independent agencies can sell policies from many different companies and that is an advantage because they can write policies with any number of different companies and get the cheapest rates. If your agent finds better pricing, the agent simply finds a different carrier and the insured can keep the same agent.

If you need lower rates, you absolutely need to get some free quotes from several independent agencies for the best price selection.

Shown below are independent insurance agencies in Phoenix that can possibly get you comparison quotes.

919 N 1st StPhoenix, AZ 85004(602) 264-0566View Map

3510 E Bell Rd # 2Phoenix, AZ 85032(602) 493-2300View Map

3917 S Central AvePhoenix, AZ 85040(602) 268-2548View Map

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Exclusive Insurance Agencies

These agents have only one company to place business with and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agents are usually well trained on sales techniques and that allows them to sell at a higher price point.

Shown below is a list of exclusive agents in Phoenix willing to provide price quotes.

2612 N 7th StPhoenix, AZ 85006(602) 439-7000View Map

314 E Thomas RdPhoenix, AZ 85012(602) 277-5776View Map

1704 W Bethany Home RdPhoenix, AZ 85015(602) 249-1037View Map

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Finding the right insurance agent is decision based upon more than just the quoted price. Get answers to these questions too.