Want cheaper car insurance rates for your Lincoln Continental? No one looks forward to paying premiums for car insurance, especially knowing they are paying too much.
Popular companies such as State Farm, Allstate, Geico and Progressive promote their brand names with ad campaigns and it can be hard to separate fact from fiction and find the best price available.
The easiest way to compare insurance rates from multiple companies is to know car insurance companies provide online access to compare their rates. All consumers are required to do is provide a small amount of information including whether you are married, your job, if it has an anti-theft system, and the make and model of your vehicles. Your details is instantly sent to many different companies and they respond with quotes instantly.
When choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you would benefit from professional advice.
If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
Having a good grasp of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average auto insurance policy.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Continental.
Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision coverages – This coverage pays for damage to your Continental caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as hitting a parking meter, colliding with a tree, damaging your car on a curb, backing into a parked car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, ambulance fees, rehabilitation expenses and pain medications. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as a broken windshield, vandalism, damage from flooding, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Liability coverage – Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage pays for things such as structural damage, court costs and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.
Tanika Booker
I’m in Saint Louis, Missouri. Quoted with AAA, Nationwide, and USAA for my Continental and saved $78 a year. Hopefully won’t need it. It never hurts to quote around.
Loise Waters
I got decent rates for a 1995 Lincoln Continental in Buffalo, New York. Ended up at roughly $90 every six months with Amica. Insured with Progressive before. Even increased coverage a bit. I got a quote from their website.
Gaylene Graves
Hope my rates come down. I live just outside Providence, Rhode Island. Got car insurance quotes with State Farm, Esurance, and Liberty Mutual for my Lincoln and I think I saved about $20 each month. I used their online quote form to compare rates. Only insure liability on my Continental.
Bronwyn Stout
If you have a clean record and are close to Chesapeake, Virginia, check out Allstate. You might get cheaper rates. Left American Family to switch. BTW speeding tickets are not good. When should I drop full coverage?
Ji Odonnell
I can’t pay high rates. From northwest of Knoxville, TN. Quoted with AAA, Safeco, and some smaller one I can’t remember the name of for my Continental and saved just over $90 a year. Got better coverage too. Still almost need a second mortgage. I don’t have comp or collision coverage.
Victor Glenn
If you have a clean record and live in the vicinity of Saint Paul, MN, check out Allstate. You might save some money. I used their website to get prices. Anyone else drop full coverage?
Andra Parker
Quoted with GMAC for my Lincoln and saved about $100 a year. Was with American Family. Bought it from an online quote. Liability only on my Lincoln.
Ossie Molina
GEICO was cheapest for my 1995 Lincoln Continental in Philadelphia, PA.
Jordan Parker
Lifelong resident of Las Cruces, NM. Quoted with State Farm, Auto-Owners, and Encompass for my Lincoln and I’m now saving $22 a month. Left AAA to switch. I don’t insure for physical damage though.
Deandra Floyd
I got quite a few price quotes for a 1995 Lincoln Continental in Des Moines, IA. Ended up at roughly $110 every six months with AAA. I have several vehicles insured with them. It’s easy to compare rates online now.
Sudie Collins
Thanks for putting this site together. I’m in Virginia Beach, Virginia. Compared rates from a lot of places. Saved right around $30 a month. Allstate was the best choice for me. Left Travelers to switch. Hopefully won’t need it. Only insure liability on my Continental.