Insurance quote for Lincoln MKX in EvansvilleHaving to pay for overpriced car insurance in Evansville can draw down your budget and require stricter spending habits. Comparing cost estimates can be a smart way to cut your insurance bill.

Unbelievable but true, over 70% of Indiana drivers kept their coverage with the same car insurance company for more than four years, and nearly 40% of drivers have never shopped around. Drivers in America can save hundreds of dollars each year just by shopping around, but most undervalue how much savings they would realize if they switched to a more affordable policy.

Due to the fact that there are so many options when it comes to car insurance, it can be challenging to choose the lowest price insurer.

Smart consumers take time to price shop coverage yearly because prices change regularly. Even if you got the best rates on Lincoln MKX insurance in Evansville a couple years back you will most likely find a better premium rate today. There are a lot of ways to save on MKX insurance on the internet, but in this article, you're going to get some great ideas on how to find affordable car insurance in Evansville.

This article will help you learn how to get online quotes and also save some money in the process If you have auto insurance now, you should be able to lower your rates using the following tips. But Indiana vehicle owners can benefit from knowing how the larger insurance companies determine what you pay and use this information to your advantage.

Decisions You Make Can Impact Your Insurance Rates

Multiple criteria are taken into consideration when premium rates are determined. Some are obvious like an MVR report, but other criteria are less apparent such as whether you are married and annual miles driven.

The easiest way to get policy rate comparisons for Lincoln MKX insurance in Evansville utilizes the fact auto insurance companies will pay a fee to give rate comparisons. To get started, all you need to do is provide information like distance driven, if the vehicle is leased, if a SR-22 is required, and what your job is. That rating information gets transmitted to many different companies and you receive quotes instantly to find the best rate.

To check car insurance prices now, click here and enter the information requested.

The following companies can provide free rate quotes in Indiana. If more than one company is shown, it's highly recommended you compare several of them to get the best price comparison.

Lincoln MKX Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $276 $514 $368 $22 $110 $1,290 $108
MKX AWD $116 $224 $264 $16 $80 $700 $58
Get Your Own Custom Quote Go

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific garaging location which can modify rates significantly.

Responsible drivers pay cheaper car insurance rates

The diagram below demonstrates how traffic citations and accident claims drive up Lincoln MKX auto insurance costs for each different age category. The information is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

Physical damage deductibles

The diagram below illustrates how choosing a deductible and can increase or decrease Lincoln MKX insurance prices for different ages of insureds. The data is based on a married female driver, comp and collision included, and no additional discounts are factored in.

Deductible comparison

One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The comparison tables below sum up the rate differences of buying low and high insurance deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Lincoln MKX insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $242 $514 $280 $16 $84 $1,161 $97
MKX AWD $272 $514 $280 $16 $84 $1,191 $99
Get Your Own Custom Quote Go
Lincoln MKX insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKX 2WD $134 $270 $280 $16 $84 $784 $65
MKX AWD $152 $270 $280 $16 $84 $802 $67
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rates do not factor in garaging location in Evansville which can raise or lower auto insurance rates considerably.

Based on the above data, using a $100 deductible could cost the average driver approximately $32 more each month or $384 each year than quoting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 28 months between claims, you would probably save some money going with the higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $98
Average monthly premium for $1,000 deductibles (subtract): - $66
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

Does car insurance advertising bend the truth?

Companies like Allstate and Progressive seem to constantly run ads on television and other media. All the ads make the same claim that drivers can save some big amount if you change your car insurance policy to them. How does every company offer drivers better rates? This is how they do it.

Most companies quote their best rates for the type of driver that earns them the most money. An example of this type of driver might have to be over the age of 50, owns their home, and has excellent credit. A customer getting a price quote who matches that profile receives the best premium rates in Evansville and therefore will save if they switch.

Consumers who do not match the "perfect" profile will see more expensive rates which results in the customer not buying. Company advertisements say "drivers who switch" not "everyone who quotes" save the amount stated. This is how insurance companies can confidently make those claims.

Because of this risk profiling, you need to get as many free Evansville auto insurance quotes as possible. It is impossible to predict which company will have the best prices at this point in time.

Insurance in Indiana serves several purposes

Despite the high cost, paying for insurance may be required and benefits you in several ways.

The benefits of having insurance definitely exceed the cost, particularly for liability claims. Despite what companies tell you, the average driver is overpaying more than $820 a year so it's very important to do a rate comparison once a year at a minimum to help ensure money is not being wasted.

Car insurance policy discounts for Lincoln MKX insurance in Evansville

Not too many consumers would say car insurance is affordable, but you may qualify for discounts that you may not even be aware of. Certain reductions will be credited at the time you complete a quote, but some need to be requested specifically before being credited.Car insurance discounts

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn't stay in business.

To see insurers with significant discounts in Indiana, click here to view.

When to talk to an insurance agency

A small number of people still like to talk to an insurance agent and there is nothing wrong with that. A nice benefit of comparing rate quotes online is that you can find cheap car insurance rates but still work with a licensed agent. Buying from and supporting local insurance agencies is especially important in Evansville.

Evansville insurance agentsUpon completion of this form (opens in new window), the quote information is submitted to participating agents in Evansville who will give you quotes for your business. You don't have to contact an agency since rate quotes are delivered to your email. You can most likely find cheaper rates AND a local agent. If you want to quote rates from one company in particular, don't hesitate to go to their quote page and fill out the quote form the provide.

Car insurance agents in Evansville come in two varieties

If you want a local insurance agency, it helps to know the two types of agencies and how they can write your policy. Agents in Evansville are either independent agents or exclusive agents.

Independent Car Insurance Agents (or Brokers)

Agents in the independent channel are appointed with more than one company and that gives them the ability to insure with a variety of different insurance companies and help determine which has the cheapest rates. If they quote lower rates, they simply move your policy to a different company which makes it simple for you. If you are comparing rate quotes, we recommend you check rates from a couple of independent agencies to ensure the widest selection of prices.

The following is a short list of independent insurance agencies in Evansville that may be able to give you free rate quotes.

7424 Eagle Crest Blvd - Evansville, IN 47715 - (812) 473-5100 - View Map

1919 W Franklin St - Evansville, IN 47712 - (812) 437-3933 - View Map

ET Shield Insurance Agency
4405 Theater Dr - Evansville, IN 47715 - (812) 469-9907 - View Map

More insurance agents

Exclusive Insurance Agencies

Exclusive insurance agents can usually just insure with one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to compare rates from other companies so always compare other rates. Exclusive agencies are very knowledgeable in insurance sales which helps offset the inability to provide other markets.

Listed below are exclusive insurance agents in Evansville who can help you get price quote information.

2019 W Franklin St - Evansville, IN 47712 - (812) 428-2576 - View Map

1033 Mt Pleasant Rd a - Evansville, IN 47725 - (812) 477-3004 - View Map

5625 Pearl Dr C - Evansville, IN 47712 - (812) 421-8163 - View Map

More insurance agents

Selecting an insurance agency shouldn't rely on just the bottom line cost. These questions are important to ask:

Don't give up on affordable rates

In this article, we presented some good ideas how you can get a better price on Lincoln MKX insurance in Evansville. The key thing to remember is the more times you quote, the better your chances of lowering your car insurance rates. You may even discover the biggest savings come from the least-expected company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.

As you quote Evansville auto insurance, make sure you don't buy less coverage just to save a little money. In many cases, an insured dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. Your goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.

More tips and info about insurance is available in these articles: