1996 Lincoln Continental Car Insurance Quotes – 5 Tips to Save

Want better insurance coverage rates for your Lincoln Continental? Trying to find better insurance prices for a new or used Lincoln Continental can be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to compare insurance coverage rates and you need to know the proper way to get price quotes for a Lincoln and locate the cheapest rates.

Do you qualify for discount car insurance?

Car insurance is not an enjoyable expense, but there could be available discounts to help offset the cost. Most are applied when you purchase, but once in a while a discount must be manually applied in order for you to get them.

• Accident Forgiveness Coverage – Not really a discount, but companies like Geico, Progressive, and Allstate will let one accident slide before they charge you more for coverage as long as you don’t have any claims prior to the accident.
• Student Discounts – This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
• Government Employees – Active or retired federal employment could provide a small rate reduction on Continental insurance with some car insurance companies.
• Distant Student Discount – College-age children who live away from home at college and do not have access to a covered vehicle could get you a discount.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up can save up to 15% off the medical payments premium.

Please keep in mind that most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Some of the insurance companies that have some of the discounts shown above are:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

Check with every company which discounts can lower your rates. Savings might not be offered in your state. To find car insurance companies with discount rates, click this link.

What insurance coverages do I need?

When buying the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your situation may require specific advice.

• Should I buy only the required minimum liability coverage?
• Is a fancy paint job covered?
• How much liability insurance is required?
• What if I don’t agree with a claim settlement offer?
• Am I getting all the discounts available?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What is covered by UM/UIM coverage?
• Should I buy full coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your car insurance policy

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, damage from a tornado or hurricane, damage from flooding, vandalism and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as X-ray expenses, surgery, dental work, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for collisions

This pays for damage to your Continental caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Lincoln Continental.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like funeral expenses, attorney fees, loss of income and bail bonds. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Spend less. Save more.

People leave their current company for any number of reasons including unfair underwriting practices, denial of a claim, high rates after DUI convictions and even delays in paying claims. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

Cost effective 1996 Lincoln Continental insurance can be sourced from both online companies and from local agencies, and you should be comparing both to get a complete price analysis. Some car insurance companies may not have online quoting and these smaller companies only sell through independent insurance agents.

We’ve covered some good ideas how you can save on 1996 Lincoln Continental insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding cheaper insurance. Consumers may even find the most savings is with a lesser-known regional company.

Much more information about car insurance can be found on the following sites:

• Teen Driver Licensing Information (iihs.org)
• State Car Insurance Guides (Geico)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Auto Theft Statistics (Insurance Information Insitute)