Lincoln MKX Insurance Quotes in Atlanta

Are you tired of trying to find cheaper Lincoln MKX insurance in Atlanta? No normal person looks forward to paying premiums for auto insurance, especially when it costs too dang much.

Insurance for Lincoln MKXIt’s astonishing, but nearly 70% of customers have stayed with the same insurance company for four years or more, and nearly 40% of drivers have never even shopped around for affordable coverage. Atlanta drivers could save as much as $960 a year just by comparing rates, but they don’t want to take the time to compare rates and save money. Many insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the best rate on Lincoln MKX insurance in Atlanta.

Consumers should take time to shop coverage around before your next renewal because prices go up and down regularly. Despite the fact that you may have had the best deal on Lincoln MKX insurance in Atlanta at your last renewal you may be paying too much now. Don’t believe everything you read about MKX insurance on the internet, but we’re going to give you some great ways to stop overpaying for insurance in Atlanta.

How to buy Lincoln MKX insurance in Atlanta

The companies in the list below are our best choices to provide price comparisons in Georgia. If multiple companies are shown, we recommend you visit several of them to find the most affordable car insurance rates.

Lincoln MKX Insurance Rate Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $274 $598 $532 $32 $158 $1,594 $133
MKX AWD $218 $414 $378 $22 $114 $1,146 $96
Get Your Own Custom Quote Go

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates noticeably.

Rate comparison for different deductibles

One of the more difficult decisions when buying car insurance is how high should the deductibles for physical damage be. The rates shown below summarize the rate differences when you select higher and lower insurance deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Lincoln MKX insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $304 $604 $394 $24 $118 $1,469 $122
MKX AWD $344 $604 $394 $24 $118 $1,509 $126
Get Your Own Custom Quote Go

Lincoln MKX insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $188 $380 $394 $24 $118 $1,104 $92
MKX AWD $212 $380 $394 $24 $118 $1,128 $94
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in vehicle location which can impact premium rates considerably.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $31 more each month or $372 each year than choosing the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 24 months between claim filings, you would come out ahead going with the higher deductible.

It may be expensive, but it’s not optional

Despite the high cost of buying insurance for a Lincoln MKX in Atlanta, insurance is not optional due to several reasons.

The benefits of insuring your car are definitely more than the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $865 each year so we recommend shopping around every year to make sure the price is not too high.

Good Decisions Result in Lower Insurance Costs

Lots of things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like an MVR report, although some other factors are not quite as obvious such as whether you are married or how safe your car is. Consumers need to have an understanding of some of the elements that go into determining your premiums. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower premium levels.

Insurance discounts are available to lower rates

Companies offering auto insurance do not list every policy discount very clearly, so the next list breaks down a few of the more common and also the lesser-known discounts that you may qualify for.Save money with discounts

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

To choose insurance companies who offer online Lincoln MKX insurance quotes in Atlanta, click here to view.

When in doubt talk to an agent

When quoting and choosing insurance from an agent or online, there really isn’t a one size fits all plan. Your needs are unique to you so your insurance needs to address that.Higher deductibles save money
These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Local Atlanta auto insurance agents

Many drivers would prefer to sit down and talk to an agent and often times that is recommended Licensed agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing rates online is you may find lower rates and still choose a local agent.

Insurance agents in AtlantaAfter completing this form (opens in new window), your insurance coverage information is submitted to local insurance agents who will gladly provide quotes for your insurance coverage. You won’t even need to contact any agents because quoted prices will be sent immediately to your email address. In the event you want to get a price quote from a specific insurance provider, you can always go to their quote page and give them your coverage information.

Finding the right insurance company should include more criteria than just a cheap price quote. Here are some questions you might want to ask.

Choose an insurance agent wisely

If you need to find local Atlanta agents, there are two types of insurance agents and how they can write your policy. Insurance agencies can be categorized as either exclusive or independent (non-exclusive). Both sell insurance policies, but it’s worth mentioning how they differ because it can impact which type of agent you select.

Exclusive Agents

Exclusive agents can only provide pricing for a single company and examples are State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. These agents receive a lot of sales training in insurance sales and that can be a competitive advantage.

Shown below are exclusive agents in Atlanta that can give you rate quotes.

Eddie Sanders – State Farm Insurance Agent
47 Perimeter Center E #130Atlanta, GA 30346(770) 394-5068View Map

2230 Cascade Rd SWAtlanta, GA 30311(404) 228-6085View Map

1526 E Forrest Ave #250Atlanta, GA 30344(678) 539-8623View Map

More Atlanta agents

Independent Agencies or Brokers

Independent agents do not sell for just one brand so as a result can place your coverage with any number of different companies and help determine which has the cheapest rates. If they find a cheaper price, they simply move the coverage in-house which makes it simple for you. If you are comparing rate quotes, you absolutely need to get some free quotes from at a minimum one independent agency to have the most options to choose from.

The following is a short list of independent agents in Atlanta that can give you price quote information.

Cascade Heights Insurance Agency
833 Cascade Ave SW eAtlanta, GA 30311(404) 758-7811View Map

Access General Agency Inc
1627 Peachtree St NEAtlanta, GA 30309(404) 817-9744View Map

191 Peachtree St NE Suite 3300Atlanta, GA 30303(678) 526-7979View Map

More Atlanta agents

Smart consumers save more

Cheaper car insurance in Atlanta is possible on the web and also from your neighborhood Atlanta agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not offer price quotes online and usually these smaller companies prefer to sell through independent insurance agencies.

When you buy Atlanta auto insurance online, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, an insured cut full coverage to discover at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

Much more information about car insurance in Georgia can be read below: