1995 Lincoln Continental Car Insurance Rates

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.

Will just any policy work for me?

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.

• Can I rent a car in Mexico?
• If I drive on a suspended license am I covered?
• What is covered by UM/UIM coverage?
• Should I put collision coverage on all my vehicles?
• Are rock chip repairs covered?
• Am I covered if I hit a deer?
• What should my uninsured motorist coverage limits be in my state?
• Does car insurance cover theft of personal property?
• What are the best liability limits?
• Is motorclub coverage worth it?

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

Auto insurance coverage considerations

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.