Lincoln MKX Insurance Quotes in San Jose

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Insurance for Lincoln MKXWould you like to stop overpaying and find the cheapest Lincoln MKX insurance in San Jose? Finding better insurance prices for your Lincoln MKX in California can turn out to be difficult, but you can learn the following methods to save time. There are more efficient ways to buy car insurance and we'll show you the best way to get price quotes on a Lincoln and find the best price possible from both online companies and San Jose agents.

Finding a lower price on insurance isn't really that difficult. The only requirement is to spend a few minutes to compare rates to see which company has low cost San Jose car insurance quotes.

The providers in the list below have been selected to offer price quotes in California. If multiple companies are shown, we recommend you visit several of them to get a more complete price comparison.

Here's why insurance is not optional

Despite the high insurance cost for a Lincoln MKX in San Jose, insuring your vehicle may be mandatory for several reasons.

First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your MKX, almost all lenders will require you to have physical damage coverage to guarantee their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Lincoln at an extremely high rate and make you pay a much higher amount than you were paying before.

Third, insurance preserves both your assets and your Lincoln MKX. It will also cover many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you have damage to your Lincoln as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your car outweigh the cost, particularly for liability claims. An average driver in America overpays more than $750 every year so it's recommended you shop around each time the policy renews to ensure rates are competitive.

Data for Lincoln MKX insurance

The rate information displayed below covers detailed analysis of insurance premium costs for Lincoln MKX models. Having a good understanding how insurance rates are figured can be useful when making smart choices when choosing a car insurance company.

Lincoln MKX Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $334 $780 $534 $32 $160 $1,840 $153
MKX AWD $378 $780 $534 $32 $160 $1,884 $157
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific garaging location which can affect auto insurance rates significantly.

Deductible analysis

When shopping for insurance, a common question is how high should your deductibles be. The comparisons below outline the cost difference between low and high policy deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Lincoln MKX insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $380 $810 $442 $26 $132 $1,815 $151
MKX AWD $430 $810 $442 $26 $132 $1,865 $155
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Lincoln MKX insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $278 $546 $442 $26 $132 $1,424 $119
MKX AWD $314 $546 $442 $26 $132 $1,460 $122
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rates do not factor in zip code location which can impact premium rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $32 more each month or $384 each year across all Lincoln MKX models than buying the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at least 13 months between claims, you would save money if you choose the higher deductible.

Discount San Jose insurance quotes

Auto insurance companies don't always advertise all their discounts in an easy-to-find place, so here is a list a few of the more common and the harder-to-find insurance savings. If they aren't giving you every credit possible, it's possible you qualify for a lower rate.Discount insurance

  • Good Student Discount - A discount for being a good student can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • Accident Waiver - Not really a discount, but some companies like Progressive, Allstate, and Liberty Mutual will forgive one accident without getting socked with a rate hike if you are claim-free prior to the accident.
  • Telematics Discount - People who choose to allow driving data submission to monitor driving manner by using a telematic data system such as Allstate's Drivewise and State Farm's In-Drive system could see a rate decrease if they have good driving habits.
  • Passenger Safety Discount - Options like air bags can qualify for discounts of 25 to 30%.
  • Braking Control Discount - Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Paper-free Discount - Some of the larger companies will provide an incentive for buying your policy on their website.
  • Save with a New Car - Buying insurance coverage on a new vehicle can cost up to 25% less because newer vehicles are generally safer.
  • Military Rewards - Being on active deployment in the military can result in better insurance rates.
  • Memberships - Participating in a professional or civic organization could earn you a nice discount when shopping for insurance.

A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So when it seems like you could get a free insurance policy, companies don't profit that way.

The example below illustrates the difference between Lincoln MKX auto insurance costs with and without policy discounts. The data is based on a female driver, no violations or claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, homeowner, and claim-free discounts applied.

If you would like to choose from a list of insurance companies that offer some of these discounts in San Jose, follow this link.