Car Insurance Rate Quotes for a Lincoln MKX in San Francisco

Do you want a faster way to compare more affordable insurance rates in San Francisco, CA? San Francisco shoppers have lots of choices when shopping for low-cost Lincoln MKX insurance. They can either waste time driving around trying to get quotes or save time using the internet to get rate quotes. There is a right way and a wrong way to compare insurance rates and we’ll show you the absolute fastest way to compare rates for a Lincoln and locate the best price possible.

Finding the cheapest coverage in San Francisco seems hard but is not really that difficult. If you are insured now, you will most likely be able to reduce premiums using the concepts you’re about to learn. Drivers only need to know the most efficient way to compare rates online.

Compare San Francisco Lincoln MKX insurance quotes

The providers in the list below have been selected to offer price quotes in San Francisco, CA. If multiple companies are listed, we recommend you visit several of them to get the cheapest price.

Insuring your Lincoln vehicle just makes sense

Even though it can be expensive, paying for auto insurance is a good idea for several reasons.

• The majority of states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage 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.
• If you took out a loan on your MKX, it’s most likely the lender will force you to have full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Lincoln at an extremely high rate and make you pay much more than you were paying before.
• Insurance safeguards both your vehicle and your assets. It will also pay for medical bills for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of buying auto insurance are definitely more than the cost, especially with large liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $820 a year so it’s important to compare rates every year to ensure rates are competitive.

Detailed insurance information

The rate table displayed below showcases estimates of coverage prices for Lincoln MKX models. Understanding how car insurance prices are determined can assist in making smart choices when choosing a car insurance company.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in San Francisco location which can change coverage rates significantly.

Where to set your deductibles

One common question asked by San Francisco drivers is how high should the deductibles for physical damage be. The tables below can help you visualize the rate difference when you choose different physical damage deductibles. The first data table uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in specific San Francisco garaging location which can decrease or increase coverage rates considerably.

We can derive from the above data that using a $100 deductible costs approximately $49 more each month or $588 for a full year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 18 months between claim filings, you would save more money going with the higher deductible.

One big caveat is that a higher deductible means you will have to pay more when you have a claim. That will require enough money stashed away in the event you need to pay the higher deductible.

Safe drivers San Francisco pay cheaper rates

The illustration below shows how traffic citations and accident claims drive up Lincoln MKX auto insurance costs for different insured age categories. The premiums assume a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Insurance quotes and discounts

Insurance is easily one of your largest bills, but companies offer discounts that can dramatically reduce your bill. Many discounts should be triggered when you complete an application, but lesser-known reductions have to be specially asked for before they will apply. If you don’t get every credit you deserve, you are throwing money away.

• Drivers Ed for Students – Require your teen driver to successfully take a driver’s education course as it can save substantially.
• Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
• Multi-Vehicle Discounts – Purchasing coverage when you have several vehicles with the same company qualifies for this discount.
• Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
• Anti-theft System – Cars and trucks with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.

Discounts lower rates, but many deductions do not apply to the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount will cut your insurance premiums.

The chart below visualizes the comparison of Lincoln MKX auto insurance costs with and without discounts applied to the policy rates. The premiums are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, multi-policy, safe-driver, and homeowner discounts applied.

The best insurance companies and a summarized list of policyholder discounts are outlined below.

• GEICO includes discounts for air bags, driver training, multi-vehicle, defensive driver, and federal employee.
• Travelers may offer discounts for driver training, new car, student away at school, multi-car, good student, and continuous insurance.
• Nationwide may have discounts that include easy pay, family plan, anti-theft, business or organization, Farm Bureau membership, good student, and multi-policy.
• Farmers Insurance has savings for switch companies, bundle discounts, good student, distant student, homeowner, youthful driver, and early shopping.
• Esurance offers discounts including renters, online quote, anti-lock brakes, Switch & Save, defensive driver, and homeowner.
• State Farm policyholders can earn discounts including accident-free, good student, passive restraint, good driver, Steer Clear safe driver discount, safe vehicle, and defensive driving training.
• Progressive may include discounts for online quote discount, good student, homeowner, continuous coverage, and multi-vehicle.
• Mercury Insurance offers premium reductions for low natural disaster claims, annual mileage, good student, ease of repair, and good driver.

If you are trying to find affordable San Francisco car insurance quotes, ask each company or agent which discounts they offer. Depending on the company, some discounts might not be offered in San Francisco. To see providers who offer discounts in California, click here.

Insurance quotes from local neighborhood San Francisco car insurance agents

Many people would rather talk to a local agent. Good agents will help you protect your assets and help you file claims. The best thing about getting free rate quotes online is that you can find the best rates and still choose a local agent.

To help locate an agent, after submitting this form (opens in new window), the quote information gets sent to local insurance agents in San Francisco that can give you free San Francisco car insurance quotes for your insurance coverage. You won’t even need to search for any insurance agencies as quotes are delivered to you instantly. In the event you want to get a comparison quote for a specific company, you can always visit that company’s website and complete a quote there.

Selecting a company requires you to look at more than just the premium amount. The questions below may impact your decision as well.

• Can you use your own choice of collision repair facility?
• Do they get paid more for recommending certain coverages?
• Is the agent properly licensed in California?
• Are there any discounts that you might be missing?
• Do they have 24-hour customer assistance?
• Can you contact them at any time?
• Do they make recommendations based only on price?

Don’t assume everyone needs the same car insurance coverage

When it comes to your policy for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

• Is pleasure use cheaper than using my Lincoln MKX to commute?
• Can I afford to buy a different vehicle if my Lincoln MKX is totaled?
• What does PIP insurance cover?
• Can my babysitter drive my car?
• Which is better, split liability limits or combined limits?
• Will my insurance pay for OEM parts?
• Does every company file a SR-22 automatically?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverages

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on most car insurance policies.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for funeral costs, hospital visits, pain medications, doctor visits and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, hail damage and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln MKX.

Since many California drivers only purchase the least amount of liability that is required (which is 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and property damage coverage for $5,000.

Liability coverage pays for claims such as medical expenses, medical services, court costs, pain and suffering and structural damage. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.

The illustration below shows why buying low liability limits may not be enough coverage.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible on your MKX in order to get cheaper collision rates.

Lower rates by being persistent

We just presented a lot of ways to compare Lincoln MKX insurance car insurance rates in San Francisco. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost San Francisco car insurance quotes. You may even be surprised to find that the most savings is with an unexpected company. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

Discount Lincoln MKX insurance in San Francisco is possible on the web as well as from insurance agents, so you need to shop San Francisco car insurance with both so you have a total pricing picture. Some companies don’t offer online quoting and many times these regional insurance providers prefer to sell through local independent agencies.

Steps to buying affordable Lincoln MKX insurance in San Francisco

If you want to save the most money, the best way to find low-cost Lincoln MKX insurance in San Francisco is to start doing an annual price comparison from different companies who provide car insurance in California.

Step 1: Read about how companies price auto insurance and the things you can change to prevent expensive coverage. Many factors that cause rate increases like traffic citations, accidents, and an unacceptable credit rating can be remedied by making minor changes in your lifestyle.

Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices for a wide range of companies. Compare rates

Step 3: Compare the quotes to your existing policy and see if you can save money. If you find better rates and buy the policy, make sure there is no coverage gap between policies.

One key aspect of rate comparisons is to make sure you enter identical coverage information on each quote and and to get rates from every company you can. This provides the most accurate price comparison and a good representation of prices.

Additional resources

• Distracted Driving Extends Beyond Texting (State Farm)
• What Insurance is Cheapest for Drivers with Good Credit in San Francisco? (FAQ)
• How Much are Car Insurance Rates for High School Students in San Francisco? (FAQ)
• Electronic Stability Control FAQ (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)