How to Save on Seattle Lincoln MKX Insurance

How many years has it been since you compared cheaper Lincoln MKX insurance in Seattle? Scraping up a payment for expensive Lincoln MKX insurance in Seattle can deplete your personal savings and force you to cut corners elsewhere.

Unimaginable but true, a large majority of drivers kept buying from the same company for at least four years, and approximately 40% of consumers have never compared rates from other carriers. Many consumers in Washington could save roughly $400 each year just by getting comparison quotes, but they feel it’s too difficult to shop around. Companies like Allstate and Progressive promote their brand names with fancy advertisements and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

Best companies for Lincoln MKX insurance

The companies in the list below provide free quotes in Seattle, WA. If multiple companies are shown, we suggest you visit as many as you can to get the best price comparison.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in vehicle garaging location which can affect auto insurance rates considerably.

Car insurance rates by age and gender

The diagram below illustrates the comparison of Lincoln MKX premium costs for male and female drivers. The premiums assume no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

Deductible comparison

One common question asked by Seattle drivers is how high should the physical damage coverage deductibles be. The premium rates below lay out the rate differences between high and low comp and collision deductibles. The first data table uses a $100 physical damage deductible and the second price table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in specific location information which can lower or raise premium rates noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $23 more each month or $276 each year than quoting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 17 months between claim filings, you would come out ahead if you opt for a higher deductible.

One thing to be aware of is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket if you have a claim. That will necessitate enough disposable income in the event you need to pay the higher deductible.

Get affordable Lincoln MKX insurance in Seattle with discounts

Some companies don’t necessarily list every discount they offer very well, so we took the time to find both the well known and also the lesser-known insurance savings.

• Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save a little on medical payment and PIP coverage.
• Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
• Resident Student – Youth drivers who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
• Discount for Swiching Early – A few larger companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
• Discount for New Cars – Adding a new car to your policy may earn a small discount compared to insuring an older model.

A little disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, insurance companies aren’t that generous.

Larger insurance companies and some of the discounts can be read below.

• GEICO offers premium reductions for daytime running lights, good student, emergency military deployment, anti-lock brakes, driver training, multi-vehicle, and seat belt use.
• Auto-Owners Insurance policyholders can earn discounts including mature driver, safe driver, paperless, anti-theft, safe vehicle, anti-lock brakes, and group or association.
• American Family may have discounts that include good student, multi-vehicle, mySafetyValet, accident-free, and air bags.
• Esurance offers discounts for online quote, DriveSense, safety device, defensive driver, renters, homeowner, and paid-in-full.
• Progressive discounts include multi-vehicle, online signing, homeowner, continuous coverage, and good student.
• State Farm offers discounts including student away at school, Steer Clear safe driver discount, driver’s education, accident-free, multiple autos, anti-theft, and good student.
• AAA may offer discounts for anti-theft, good student, good driver, pay-in-full, education and occupation, multi-policy, and AAA membership discount.

Check with each company which discounts can lower your rates. Some discounts listed above might not apply in Seattle. For a list of companies with the best discounts in Seattle, click here to view.

Insurance agents can find coverage gaps

Some consumers still like to buy from a local agent and doing so can bring peace of mind Professional agents are very good at helping people manage risk and give you someone to call. The best thing about comparing insurance online is you may find lower rates and also buy local.

To make it easy to find an agent, after completing this simple form, the coverage information is emailed to local insurance agents in Seattle who can give free rate quotes for your insurance coverage. There is no need to contact any agents due to the fact that quote results will go to the email address you provide. If you wish to compare prices from a specific insurance provider, you just need to navigate to their website and submit a quote form there.

Deciding on an provider is decision based upon more than just the quoted price. Any agent in Seattle should be forthright in answering these questions:

• Do they specialize in personal lines auto insurance in Seattle?
• Will your rates increase after a single accident?
• How many years of experience in personal auto insurance do they have?
• How long has the business existed?
• Is there any savings for paying the full premium?
• Is working in the agency their full-time job?
• Will the agent help in case of a claim?
• Will you work with the agent or an assistant?

The type of auto insurance agent you choose is important

When researching a reliable insurance agent, it helps to know the two different agency structures and how they can service your needs differently. Agents are considered either independent or exclusive depending on the company they work for. Both types can do a good job, but it is a good idea to know the difference in the companies they write for since it may influence the type of agent you choose.

Exclusive Agencies

These agents normally can only provide a single company’s rates such as AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot provide prices from multiple companies so they have to upsell other benefits. They are trained well on the products they sell and that can be a competitive advantage.

Listed below are Seattle exclusive agencies who may provide you with price quote information.

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Independent Agencies or Brokers

Agents in the independent channel are not limited to a single company so they can quote policies with a variety of different insurance companies enabling the ability to shop coverage around. If you want to switch companies, they simply move your policy to a different company which is easy for the insured.

When comparing rate quotes, it’s recommended you get some free quotes from a few independent agents to get the best comparison.

Listed below are Seattle independent insurance agents that are able to give price quote information.

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Cover all your bases

When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

Lower-priced Lincoln MKX insurance in Seattle is attainable on the web and from local agencies, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and many times these smaller companies work with local independent agencies.

Additional resources

• Credit and Insurance Scores (Insurance Information Institute)
• Who Has Cheap Seattle Car Insurance Rates for a Dodge Ram? (FAQ)
• What Car Insurance is Cheapest for a Toyota Tacoma in Seattle? (FAQ)
• How Much is Seattle Auto Insurance for Real Estate Agents? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Seattle? (FAQ)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• What are my Rights when Filing a Claim? (Insurance Information Institute)