Compare Lincoln MKX Insurance Rates in Austin

When searching for more affordable insurance, are you overwhelmed by the crazy number of insurance choices in Austin? You have such a large number of options that it can easily become a real hassle to find lower premium rates on Lincoln MKX insurance. Austin is an excellent city in which to live, but getting gouged by high insurance rates can make it difficult for lots of drivers to afford enough coverage.

A recent insurance study discovered that nearly 70% of customers have purchased from the same company for over three years, and almost half have never compared insurance rates at all. Consumers in Texas could save about 70% each year by just shopping around, but they mistakenly think it’s difficult to compare rate quotes online.

If you’re already insured, you will definitely be able to reduce the price you pay using the tips covered below. Our objective is to help educate you on how car insurance companies work and how to save the most money. But Texas car owners benefit from understanding the way insurance companies calculate their prices and use it to your advantage.

Affordable rates on Lincoln MKX insurance in Austin with these car insurance discounts

Car insurance can cost a lot, but there could be significant discounts to reduce the price significantly. Some discounts will apply at the time you complete a quote, but a few must be asked about before they will apply.

• Discount for Multiple Policies – When you combine your home and auto insurance and place coverage with the same company you could earn a discount of approximately 10% to 15%.
• Paperless Signup – Certain car insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
• First Accident Forgiveness – Not necessarily a discount, but some insurance companies will let one accident slide without the usual rate increase with the catch being you have to be claim-free prior to the accident.
• Onboard Data Collection – Drivers who elect to allow driving data submission to study when and where they use their vehicle by using a telematic data system like Allstate’s Drivewise might see lower rates as long as the data is positive.
• Military Rewards – Having an actively deployed family member could qualify you for better prices.
• Drive Less and Save – Maintaining low annual mileage can qualify you for slightly better car insurance rates than normal.
• Discount for Life Insurance – Some car insurance companies give a discounted price on car insurance if you buy a life policy as well.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it appears you could get a free car insurance policy, that’s just not realistic.

Companies and their possible discounts are:

• GEICO offers discounts for anti-theft, federal employee, five-year accident-free, good student, and membership and employees.
• SAFECO has savings for drive less, safe driver, accident prevention training, teen safe driver, anti-theft, and homeowner.
• State Farm may include discounts for student away at school, defensive driving training, multiple policy, good driver, Drive Safe & Save, and driver’s education.
• MetLife discounts include accident-free, claim-free, good driver, defensive driver, good student, and multi-policy.
• 21st Century includes discounts for homeowners, defensive driver, driver training, anti-lock brakes, and air bags.
• Progressive policyholders can earn discounts including online signing, multi-vehicle, continuous coverage, good student, online quote discount, multi-policy, and homeowner.

Before purchasing a policy, check with each company which discounts you may be entitled to. Some discounts listed above may not be offered in Austin. To locate car insurance companies that offer many of these discounts in Austin, click here to view.

The easiest way to compare policy rates for Lincoln MKX insurance in Austin is to understand most larger insurance companies have advanced systems to give free rates quotes. To get started, all you need to do is provide the companies a bit of rating information like your credit rating estimate, if the vehicle is leased, how you use your vehicles, and how much education you have. That rating data is instantly submitted to insurance carriers in your area and you receive quotes quickly.

If you wish to get multiple quotes for your Lincoln MKX now, click here and see if a lower rate is available in Austin.

The companies shown below are our best choices to provide price quotes in Austin, TX. If multiple providers are shown, we suggest you get price quotes from several of them in order to find the most affordable rates.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Prices do not factor in specific Austin garaging location which can raise or lower coverage prices noticeably.

Choosing deductibles

When comparing auto insurance rates, the most common question is how high should the physical damage coverage deductibles be. The tables below may aid in understanding the cost difference of buying low and high physical damage coverage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in vehicle garaging location which can alter prices substantially.

Based on the above data, using a $100 deductible costs about $29 more each month or $348 annually than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 14 months between claims, you would probably come out ahead if you elect the higher deductible.

An important thing to remember is that a higher deductible level means you will have to pay more out-of-pocket when you file a claim. You need to make sure you have enough disposable savings in the event you need to pay the higher deductible in order to repair your vehicle.

Car insurance can get complicated

When selecting a policy, there really isn’t a perfect coverage plan. Your situation is unique so this has to be addressed.
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

• What does roadside assistance cover?
• Do I need motorclub coverage?
• At what point should I drop full coverage?
• Does my insurance cover a custom paint job?
• How do I insure my teen driver?
• How much liability insurance is required?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Buying insurance from Austin car insurance agents

Certain consumers just want to go talk to an agent and that is just fine! One of the best bonuses of getting free rate quotes online is the fact that drivers can get lower car insurance rates and still have an agent to talk to.

By using this short form, your information is instantly submitted to local insurance agents in Austin who will gladly provide quotes for your business. You don’t have to search for an agent because quoted prices will be sent to you. Get lower rates without having to waste a lot of time. If you have a need to get a rate quote from a specific insurance provider, feel free to jump over to their website and submit a quote form there.

Finding the right company is decision based upon more than just a cheap quote. The questions below may impact your decision as well.

• Can they provide you with a list of referrals?
• What is their Better Business Bureau rating?
• Will high miles depreciate repair valuations?
• Do they make recommendations based only on price?
• Do they offer rental car reimbursement?

Independent or Exclusive: It’s your choice

If you are wanting to purchase insurance from a local Austin insurance agent, there are a couple of types of insurance agents and how they are distinctly different. Insurance agents may be either independent agents or exclusive agents.

Exclusive Agencies

Agents of this type can only quote rates from one company and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents are trained well on their products and sales techniques which aids in selling service over price. Consumers sometimes buy from exclusive agents primarily because of high brand loyalty and the convenience of having all coverages with one company.

The following is a short list of exclusive insurance agents in Austin that are able to give comparison quotes.

• Allstate Insurance: Amanda Escobar
  8700 Manchaca Rd #405 – Austin, TX 78748 – (512) 280-9700 – View Map
• Allstate Insurance: Cheri Roman
  8103 Brodie Ln Ste 7 – Austin, TX 78745 – (512) 282-9999 – View Map
• Dick Cohalla – State Farm Insurance Agent
  10711 Burnet Rd #102 – Austin, TX 78758 – (512) 837-4210 – View Map

View more Austin agents

Independent Insurance Agencies

Independent agents are not limited to a single company and that allows them to write policies with an assortment of companies and find you the best rates. If they quote lower rates, they can switch companies in-house and you don’t have to switch agencies.

If you need lower rates, we recommend you compare quotes from several independent agencies so that you have a good selection of quotes to compare. Most have the option of insuring with small regional insurance companies which may provide better rates.

Below is a short list of independent agencies in Austin who can help you get price quotes.

• Ed Weeren Insurance Agency
  300 E Highland Mall Blvd #208 – Austin, TX 78752 – (512) 454-5266 – View Map
• TY Lawrence Insurance Agency
  2802 Flintrock Trace b101 – Austin, TX 78738 – (512) 732-2353 – View Map
• EZ Insurance Agency – Main
  4502 S Congress Ave – Austin, TX 78745 – (512) 444-4040 – View Map

View more Austin agents

After getting reasonable responses to any questions you may have as well as a price you’re happy with, it’s a good possibility that you have found an insurance agent that can insure your vehicles.

Shop smart and save

We just covered a lot of tips how to save on Lincoln MKX insurance in Austin. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best premium rates are with the least-expected company. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate or State Farm.

When you buy Austin car insurance online, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where an insured cut physical damage coverage only to discover later they didn’t purchase enough coverage. Your objective should be to find the BEST coverage at the best price, but do not skimp to save money.

Additional learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Institute)
• What Insurance is Cheapest for a GMC Sierra in Austin? (FAQ)
• How Much are Auto Insurance Quotes for a Learners Permit in Austin? (FAQ)
• Who Has the Cheapest Austin Car Insurance for a Toyota Tacoma? (FAQ)
• What Car Insurance is Cheapest for Drivers Under 21 in Austin? (FAQ)
• Think You’re a Safe Driver? (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Teen Driving Statistics (iihs.org)