To save the most money, the best way to get budget Lincoln MKX insurance in Pittsburgh is to compare prices regularly from insurance carriers who sell auto insurance in Pennsylvania.
- Learn about how car insurance works and the things you can change to keep rates low. Many factors that cause rate increases like at-fault accidents, speeding tickets, and an imperfect credit score can be remedied by improving your driving habits or financial responsibility.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while independent agencies can provide price quotes from multiple companies.
- Compare the new rate quotes to the price on your current policy to see if a cheaper rate is available. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Tell your current company of your intent to cancel the current policy and submit payment and a signed application to the newly selected company. Once the application is submitted, place your new certificate of insurance with the vehicle registration.
One important bit of advice is to compare similar coverage information on every quote and and to compare as many auto insurance providers as possible. Doing this ensures a level playing field and a thorough selection of prices.
A recent survey discovered that over 70% of consumers have bought car insurance from the same company for at least four years, and just short of a majority have never compared car insurance rates at all. Pittsburgh consumers can cut their rates by roughly 55% a year, but they just don’t understand how easy it is to compare rates online.
The quickest method to compare policy rates for Lincoln MKX insurance in Pittsburgh is to know the trick auto insurance companies provide online access to give rate comparisons. All you need to do is provide information like whether you are single or married, if you require a SR-22, if you have an active license, and how much education you have. The rating information is then sent to multiple car insurance providers and they return quotes instantly.
To start a quote now, click here then complete the form.
The following companies are ready to provide price quotes in Pennsylvania. To find the best cheap auto insurance in Pittsburgh, PA, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
Do you qualify for discounts on Lincoln MKX insurance in Pittsburgh?
Some insurance providers don’t necessarily list all available discounts very well, so below is a list a few of the more common and also the more inconspicuous credits available to you.
- Home Ownership Discount – Just being a homeowner can save a few bucks since owning and maintaining a home demonstrates responsibility.
- Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more on MKX insurance in Pittsburgh.
- Smart Student Discounts – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
- Membership in Organizations – Having an affiliation with a qualifying organization may earn a discount when shopping for auto insurance.
- Discount for Life Insurance – Some insurance carriers give a break if you buy a life policy as well.
We need to note that many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any amount of discount should help reduce your policy cost.
The illustration below compares Lincoln MKX insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no violations or accidents, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, safe-driver, homeowner, and multi-car discounts applied.
If you would like to choose from a list of auto insurance companies who offer free Lincoln MKX insurance quotes in Pennsylvania, click here to view.
Auto insurance data for a Lincoln MKX
The data table shown next highlights a range of insurance prices for Lincoln MKX models. Being able to understand how insurance prices are figured can benefit drivers when making smart choices when purchasing an insurance policy.
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can revise coverage rates greatly.
One frequently asked question is where to set your physical damage deductibles. The following tables can help illustrate the difference in cost of buying low and high coverage deductibles. The first data set uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in garaging location in Pittsburgh which can change premium rates greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $37 more each month or $444 a year averaged for all MKX models than buying the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 24 months between claims, you would probably save some money if you choose the higher deductible. Here is how this decision is made.
|Average monthly premium for $100 deductibles:
|Average monthly premium for $1,000 deductibles (subtract):
|Monthly savings from raising deductible:
|Difference between deductibles ($1,000 – $100):
|Divide difference by monthly savings:
|$900 / $37
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible
One important issue to know is that higher deductibles means you will have to cover more of the damage yourself when you file a claim. That will force you to have enough money in the bank in the event you have to pay more for the deductible.
Does it make sense to buy full coverage?
The illustration below illustrates the comparison of Lincoln MKX insurance rates with liability coverage only compared to full coverage. The rates are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no definitive guideline for eliminating physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s say your Lincoln MKX book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying the physical damage deductible. If premium cost is more than $500 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are some conditions where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.
Independent and exclusive insurance agents
A lot of people just want to talk to an insurance agent and that is a personal choice. Agents can answer important questions and will help you if you have claims. One of the best bonuses of comparing rates online is that you can obtain lower premium rates and still choose a local agent. And supporting neighborhood agents is especially important in Pittsburgh.
To help locate an agent, after submitting this quick form, your information is emailed to participating agents in Pittsburgh that can give you free Pittsburgh car insurance quotes for your insurance coverage. You never need to do any legwork because prices are sent to you. In the event you want to compare prices from a particular provider, feel free to jump over to their website and complete a quote there.
Not all car insurance agents are the same
If you prefer to buy insurance from a reliable agent, there are a couple of types of agencies and how they operate. Agents in Pittsburgh can be categorized as either independent agents or exclusive agents. Either one can sell and service insurance coverage, but we need to point out the difference in the companies they write for because it can factor into the type of agent you choose.
Independent Agencies or Brokers
These type of agents are not employed by one company so they can insure your vehicles with many different companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier and you can keep the same agent.
When searching for an agent, you definitely need to get rate quotes from a few independent agents to ensure the widest selection of prices.
Featured below is a short list of independent agencies in Pittsburgh who may be able to give you comparison quotes.
Exclusive agencies can only write with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on sales techniques and that allows them to sell at a higher price point.
Listed below are exclusive insurance agents in Pittsburgh that can give you rate quotes.
Darlene Shelton-Lamot – State Farm Insurance Agent
911 Western Ave – Pittsburgh, PA 15233 – (412) 322-1064 – View Map
Choosing the best car insurance agent is decision based upon more than just the bottom line cost. Ask your prospective agent these questions:
- Will the quote change when the policy is issued?
- Is assistance available after office hours?
- Does their agency support local causes in Pittsburgh?
- How does the company pay claims for a total loss?
- Are there any discounts that you might be missing?
After getting good feedback for all questions you ask and a low price estimate, you’ve probably found an insurance agent that meets your needs to service your policy. Just understand that you can cancel a policy whenever you wish so don’t think you are locked into any particular company for any length of time.
Five Tips to Get Cheap Pittsburgh Insurance Rates
Lots of factors are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but other criteria are not quite as obvious such as your credit history or how financially stable you are. Part of the insurance buying process is learning some of the elements that are used to determine your insurance rates. When you understand what influences your rates, this enables you to make decisions that will entitle you to big savings.
Shown below are some of the major factors utilized by car insurance companies to help set your prices.
Deter car thieves – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
Your credit score is important – Having a bad credit rating is a big factor in calculating your premium rate. Insureds that have excellent credit tend to be less risk to insure than drivers with worse credit. If your credit rating can be improved, you may save money insuring your Lincoln MKX by repairing your credit.
Pay more for higher performance vehicles – The make and model of the car or truck you are trying to find cheaper insurance for makes a significant difference in your rates. Lower cost passenger cars normally have pretty low rates, but the final cost of insurance is determined by many other factors.
The following data is based on a married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Lincoln MKX rates compared to other vehicles that have a range of performance rating factors.
Traffic violations mean higher prices – Good drivers get better prices compared to bad drivers. Even one speeding ticket or other violation could increase your next policy renewal forty percent or more. People who have dangerous tickets such as DUI or willful reckless driving may face state-mandated requirements to complete a SR-22 with their state motor vehicle department in order to legally drive.
The diagram below demonstrates how speeding tickets and fender-benders influence Lincoln MKX auto insurance costs for each age group. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
Liability coverage limits should be high – Your insurance policy’s liability coverage is the coverage that protects you when you are found liable for causing damage or personal injury in an accident. It will provide legal defense starting from day one. This coverage is very inexpensive compared to comp and collision, so buy as much as you can afford.
Insurance loss data for a Lincoln MKX – Companies analyze claim trends for every vehicle to help determine prices. Models that statistically have a trend towards higher claim severity or frequency will have a higher premium rate.
The next table illustrates the historical loss data for Lincoln MKX vehicles. For each coverage type, the loss probability for all vehicles, as a total average, is represented as 100. Values that are 100 or less are indicative of better than average losses, while percentage numbers above 100 indicate frequent claims or a tendency for losses to be larger than average.
|Vehicle Make and Model
|Lincoln MKX 4dr 2WD
|Lincoln MKX 4dr 4WD
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Why do I need car insurance?
Despite the high insurance cost for a Lincoln MKX in Pittsburgh, insurance may be required for several reasons.
- Most states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability protection in order to get the vehicle licensed. In Pennsylvania 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.
- If your Lincoln has a loan, it’s most likely the lender will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you let the policy lapse, the lender will be forced to insure your Lincoln at a more expensive rate and force you to pay much more than you were paying before.
- Insurance safeguards both your assets and your Lincoln. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If your car is damaged in a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance more than cancel out the cost, especially if you ever need it. But the average driver in Pennsylvania is overpaying over $800 each year so it’s important to compare rates once a year at a minimum to ensure rates are competitive.
Pittsburgh car insurance company ratings
Picking a high-quality insurance company can be difficult considering how many companies are available to choose from in Pittsburgh. The company information shown next can help you select which companies you want to consider comparing price quotes from.
Top 10 Pittsburgh Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- State Farm
- Erie Insurance
Be persistent to save money
When you buy Pittsburgh car insurance online, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your focus should be to buy the best coverage you can find for the lowest cost.
Throughout this article, we presented quite a bit of information on how to find affordable Lincoln MKX insurance in Pittsburgh. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding affordable Lincoln MKX insurance quotes. You may even find the best car insurance rates are with the smaller companies. Smaller companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate or State Farm.
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- How Much are Auto Insurance Quotes for High School Students in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance for a Company Car in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Auto Insurance for Safe Drivers? (FAQ)
- Who Has Cheap Pittsburgh Auto Insurance for a 20 Year Old Female? (FAQ)
- Who Has Cheap Pittsburgh Auto Insurance for Veterans? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Older Drivers FAQ (iihs.org)