Best Quotes for Lincoln MKX Insurance in Santa Ana

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Insurance rates Lincoln MKX in Santa AnaUnbelievable but true, over 70% of consumers kept their policy with the same company for four years or more, and nearly the majority have never quoted insurance rates at all. Many drivers in Santa Ana could save about 35% a year, but they just don't want to find affordable rates by getting comparison quotes.

The best way we recommend to get discount Lincoln MKX insurance is to regularly compare prices from companies that insure vehicles in Santa Ana. Price quotes can be compared by following these guidelines.

First, take a few minutes and learn about the coverage provided by your policy and the modifications you can make to prevent expensive coverage. Many things that cause rate increases like accidents, traffic violations, and a low credit score can be amended by being financially responsible and driving safely.

Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive and State Farm, while independent agents can provide rate quotes for a wide range of companies.

Third, compare the price quotes to the price on your current policy to see if you can save by switching companies. If you can save money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

An essential thing to point out is to compare identical coverage information on each price quote and and to compare as many carriers as you can. This ensures an apples-to-apples comparison and a complete price analysis.

If you're already insured, you will most likely be able to cut your premiums using this information. This article's intent is to introduce you to the best way to quote coverages and some tricks to saving. But California drivers do need to learn the methods companies use to compete online and use this information to your advantage.

When comparison shopping, comparing more quotes increases the chance that you will find better pricing. Some insurance companies are not set up to provide Santa Ana MKX insurance quotes over the internet, so it's important to compare price estimates from the smaller companies as well.

The companies shown below are ready to provide price quotes in Santa Ana, CA. If several companies are displayed, we suggest you click on several of them to get the best price comparison.

Get cheaper Lincoln MKX insurance rates in Santa Ana

Insurance can be prohibitively expensive, but you may find discounts to help bring down the price. Most are applied when you complete an application, but lesser-known reductions have to be specifically requested before you get the savings.Car insurance discounts

  • Discount for Swiching Early - Select insurance companies give a discount for switching companies prior to your current MKX insurance policy expiration. You may see this discount when you get Santa Ana auto insurance quotes online.
  • Passenger Safety Discount - Factory air bags may earn rate discounts as much as 30%.
  • Low Mileage - Keeping the miles down on your Lincoln can earn lower premium rates due to less chance of an accident.
  • No Charge for an Accident - Not really a discount, but certain companies will forgive one accident before raising your premiums if you have no claims for a certain period of time.
  • Accident Free - Claim-free drivers can save substantially in comparison with drivers who are more careless.
  • Organization Discounts - Participating in a civic or occupational organization in Santa Ana could qualify you for a break on car insurance.
  • Discounts for New Vehicles - Buying a new car model is cheaper since new vehicles have better safety ratings.
  • Anti-theft System - Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more on MKX insurance in Santa Ana.
  • Service Members Pay Less - Being deployed in the military could mean lower rates.

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, it doesn't quite work that way. But any discount will definitely lower your policy premiums.

The example below shows the difference between Lincoln MKX auto insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, homeowner, marriage, and multi-policy discounts applied.

If you would like to choose from a list of insurance companies who offer online Lincoln MKX insurance quotes in California, follow this link.

Statistics and details

The rate table displayed below showcases different rate quotes for Lincoln MKX models. Having insight into how rate quotes are determined can be valuable when making informed coverage decisions.

Lincoln MKX Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $192 $392 $456 $26 $136 $1,202 $100
MKX AWD $216 $392 $456 $26 $136 $1,226 $102
Get Your Own Custom Quote Go

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific location which can change auto insurance rates significantly.

The chart below highlights how deductible selection and can influence Lincoln MKX insurance rates for different insured age categories. The price estimates are based on a single male driver, comp and collision included, and no discounts are applied.

Independent and exclusive insurance agencies

Some people prefer to visit with an insurance agent and that is a personal choice. A good thing about getting free rate quotes online is the fact that you can find the best rates but also keep your business local. Supporting local agencies is important particularly in Santa Ana.

To make it easy to find an agent, after completing this form (opens in new window), your information is submitted to local insurance agents that give free quotes for your business. It simplifies rate comparisons since you won't have to find an agent on your own because quoted prices will be sent to your email. You can most likely find cheaper rates without having to waste a lot of time. If you have a need to get a rate quote from one company in particular, you can always jump over to their website and fill out their quote form.

If you are wanting to purchase insurance from a reputable agency, you need to know there are two different agency structures and how they differ in how they quote coverages. Agencies in Santa Ana are categorized either independent (non-exclusive) or exclusive.

Independent Agencies or Brokers

Independent agents are not limited to a single company so they can insure your vehicles with an assortment of companies and find you the best rates. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. If you are comparing insurance prices, we recommend you compare prices from multiple independent agents to maximize your price options. Most can insure with companies you've never heard of that many times have cheaper rates.

Below is a partial list of independent insurance agencies in Santa Ana who may be able to give you free insurance rate quotes.

More Santa Ana agents

Exclusive Agents

Exclusive agencies can only provide pricing for a single company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to provide other company's prices so they have to upsell other benefits. Exclusive agents are well schooled on their products and sales techniques which can be an advantage. Some insured continue to buy from exclusive agents primarily because of the brand rather than low price.

Below are Santa Ana exclusive insurance agencies that are able to give rate quotes.

More Santa Ana agents

Finding the right auto insurance agent shouldn't rely on just a cheap quote. The questions below may impact your decision as well.

  • What insurance companies do they recommend if they are an independent agent?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Will your rates increase after a single accident?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Will they take your side in the event of a claim?
  • Is coverage determined by price?
  • Does the agent recommend any additional coverage?
  • What is the financial rating for the quoted company?

How to Lower Your Insurance Prices

Many things are taken into consideration when you quote your car insurance policy. Most are fairly basic such as traffic violations, although others are not quite as obvious such as whether you are married and annual miles driven. Smart consumers have a good feel for the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that can help you get lower auto insurance prices.

  • Use credit responsibly and save - A driver's credit rating is a big factor in determining what you pay for auto insurance. Insureds that have excellent credit scores tend to be less risk to insure than those with lower ratings. If your credit can be improved, you may save money insuring your Lincoln MKX by spending a little time repairing your credit.
  • Amount of liability coverage - A critical coverage on your policy, liability insurance will provide protection when you are found liable for physical damage or personal injury to other. Your policy's liability insurance provides legal defense coverage to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Save by driving vehicles with better crash test results - Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Lincoln MKX scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • An active claims history can increase rates - If you file claims often, you can look forward to higher premiums or even policy non-renewal. Companies in California award discounts to people who do not rely on their insurance for small claims. Auto insurance is designed for more catastrophic claims.
  • Cheaper premiums for prior coverage - Driving without insurance coverage in place is a misdemeanor and any future policy may cost more because you let your coverage have a gap. Not only will you pay higher rates, not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license. You could then be forced to file a SR-22 with the California department of motor vehicles.

  • Obey driving laws and save - Whether or not you get tickets has a huge affect on how much you pay. Attentive drivers have lower premiums than their less careful counterparts. Only having one driving citation could increase your next policy renewal by twenty percent. Drivers unfortunate enough to have dangerous violations such as DUI or reckless driving may need to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.

    The diagram below shows how traffic citations and at-fault accidents impact Lincoln MKX car insurance rates for different age categories. The data is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

  • Premiums and job - Careers like doctors, air traffic controllers, and stock brokers tend to have higher average rates attributed to job stress and lots of time spent away from family. Conversely, careers such as professors, students and the unemployed receive lower rates.

  • Lincoln MKX insurance loss data - Insurers factor in insurance loss information in order to profitably underwrite each model. Models that are shown to have higher prevalence or dollar amount of losses will cost more for specific coverages.

    The table below shows the compiled insurance loss statistics for Lincoln MKX vehicles. For each coverage type, the loss probability for all vehicles, regardless of make, model or trim level, equals 100. Percentages below 100 suggest losses that are better than average, while percentage values above 100 point to more losses or a tendency for claims to be larger.

    Insurance Loss Ratings for Lincoln MKX Vehicles
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Lincoln MKX 4dr 2WD 77 80 67 66 81 78
    Lincoln MKX 4dr 4WD 86 91 92 76 79 87
    BETTER
    AVERAGE
    WORSE

    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

It may be expensive, but it's not optional

Despite the fact that auto insurance is not cheap in Santa Ana, buying auto insurance serves an important purpose.

First, most states have minimum liability requirements which means you are required to carry specific minimum amounts of liability if you want to drive legally. 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 your vehicle has a lienholder, almost every bank will have a requirement that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may insure your Lincoln at a more expensive rate and require you to reimburse them for the much more expensive policy.

Third, auto insurance preserves both your assets and your Lincoln MKX. It will also reimburse you for medical expenses incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance are without a doubt worth the cost, especially when you need to use it. Today the average American driver is wasting up to $810 a year so we recommend shopping around at every policy renewal to be sure current rates are still competitive.

What is the best auto insurance company in California?

Finding a high-quality auto insurance company can be difficult considering how many companies provide coverage in Santa Ana. The ranking data shown next could help you analyze which insurers to look at buying from.

Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Lower rates by being persistent

Insureds switch companies for many reasons like policy non-renewal, extreme rates for teen drivers, unfair underwriting practices or being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.

In this article, we covered a lot of information how to lower your Lincoln MKX insurance prices in Santa Ana. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from a lesser-known regional company.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability limits or collision coverage only to regret that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

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