Locating cheaper auto insurance over the internet may be rather challenging for consumers new to quoting and buying insurance on the web. With a ridiculous number of companies, how can consumers efficiently compare each option to find the cheapest price possible?
Consumers should take time to get comparison quotes quite often because rates are constantly changing. Just because you found the lowest premium rates for Continental coverage two years ago the chances are good that you can find a lower price today. There is a lot of bad advice regarding auto insurance online but by reading this article, you’re going to learn the best ways to reduce your auto insurance bill.
The purpose of this post is to teach you the best way to quote coverages and some money-saving tips. If you currently have car insurance, you should be able to reduce your rates substantially using this information. But consumers should learn how big insurance companies determine prices and apply this information to your search.
There are a lot of ways to compare auto insurance quotes, but some are easier and takes less work. You can spend your afternoon talking to insurance agencies in your area, or you could use the internet to accomplish the same thing much quicker.
The majority of car insurance companies participate in an industry program where prospective buyers submit one quote, and at least one company then gives them pricing. This prevents consumers from doing quote forms to each company.
To compare pricing click here (opens in new window).
The only downside to comparing rates this way is that consumers can’t choose which insurance companies you will receive quotes from. If you wish to select individual companies to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.
How you compare quotes is your choice, just make absolute certain that you use apples-to-apples coverage information for each quote you get. If you use differing limits it’s not possible to get a fair rate comparison. Just a small difference in coverages can make a big difference in price. Just keep in mind that comparing more company’s prices increases the change that you will find the best rates.
Companies that sell car insurance don’t necessarily list their entire list of discounts in a way that’s easy to find, so the list below details a few of the more common and also the lesser-known discounts you could be receiving when you buy auto insurance online.
Discounts lower rates, but some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, you aren’t that lucky. But all discounts will definitely reduce your premiums.
A few of the larger companies and their possible discounts are detailed below.
If you need the cheapest auto insurance quotes, ask each company to give you their best rates. Some discounts listed above may not apply to policies in your area.
When buying the best insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.
These are some specific questions can help discover if your situation might need professional guidance.
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Med pay and PIP coverage provide coverage for expenses like X-ray expenses, ambulance fees, prosthetic devices and surgery. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible
This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as damage from getting keyed, hitting a bird, damage from a tornado or hurricane and hitting a deer. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
This pays for damage to your Continental resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims like colliding with a tree, sideswiping another vehicle, rolling your car, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.
This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Lincoln Continental.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things like medical services, court costs, structural damage and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.
Drivers change insurance companies for any number of reasons including high prices, delays in responding to claim requests, unfair underwriting practices or even policy non-renewal. It doesn’t matter what your reason, finding a new company is actually quite simple.
Cost effective 1994 Lincoln Continental insurance can be purchased from both online companies and also from your neighborhood agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies may not provide online rate quotes and many times these smaller providers prefer to sell through independent insurance agencies.
You just learned a lot of tips how to reduce 1994 Lincoln Continental insurance premium rates online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced insurance comes from a smaller regional carrier.
Clair Wilkins
Located in Juneau, AK. Got car insurance rates from AAA, Nationwide, and a few others for my 1994 Lincoln Continental and saved $103 a year. Insured with Progressive before. My Continental doesn’t have full coverage.
Debra Douglas
If you have a clean record and live around Cleveland, Ohio, check out Allstate. You might get cheaper rates. Was with American Family. BTW speeding tickets are not good. Next renewal I’ll just do liability.
Kimberly Colon
I’ve had State Farm for years. I’m in Miami, FL.
Benny Wright
Cheap is relative. I live just outside Concord, New Hampshire. I quoted with Western Auto Insurance, Auto-Owners, Hartford, and Safeco for my 1994 Lincoln Continental and saved $103 a year. Thankfully I have a good driving record. I used their online quote form to compare rates.
Dusty Joseph
Where is cheaper car insurance? I’m in the south part of Wichita, Kansas. Got car insurance rates from 21st Century, AAA, and Farmers for my 1994 Lincoln Continental and saved $120 a year.
Tresa Vincent
Just my two cents. I live on the south side of Indianapolis, IN. Got car insurance prices from Allstate, Auto-Owners, Esurance, and Liberty Mutual for my Continental and saved just over $80 a year. I have a teen driver too.
Tennie Compton
From northwest of Mobile, AL. I don’t recall every quote but I ended up saving about $20 each month. It was easy to get rates. I don’t put full coverage on it.
Aron Koch
Checking in from Rutland, VT. Went online for free insurance quotes for a 1994 Lincoln Continental. Ended up at about $70 savings annually. Went with State Farm. I used their website to get prices. I don’t put full coverage on it.
Yasmin Barker
Live in Tulsa, Oklahoma. Got car insurance prices from AAA, Sentry, and some smaller one I can’t remember the name of for my Continental and saved just over $90 a year. Full coverage costs too much.
Ivory Melendez
I’ve insured with State Farm for a long time. Pretty cheap in San Jose, California.
Vella Oliver
From a town just southwest of Bellevue, NE. Received prices from State Farm, AIG Insurance, Farmers, and GMAC for my Lincoln and I think I am saving around $30 each month. I just quoted rates online. I’m thinking about dropping full coverage though.
Charlotte Harmon
Proud to be from Rochester, MN. Not sure of all the companies but I ended up saving about $20 each month. I think I’ll get rid of full coverage next time.
Sandy Riddle
Thought I’d throw in my experience. Quoted with 21st Century for my Lincoln and cut my rates about $90 a year. LOL
Wanita Gonzalez
Will Allstate cancel if I have a claim?
Oscar Reese
From north side of Cincinnati, OH. Quoted rates from GEICO, GMAC, and Farmers for my Lincoln and I’m now saving $25 a month. Was with 21st Century. You can get a rate quote online.