1997 Lincoln Continental Car Insurance Quotes

Purchasing the lowest cost car insurance on the internet can appear to be intimidating for people who are new to comparing prices online. Since there are so many companies competing online, how are people able to have a chance to compare them all to find the best pricing?

Auto insurance policy discounts you can’t miss

Car insurance companies don’t always publicize all disounts in a way that’s easy to find, so the list below contains a few of the more well known and the harder-to-find discounts that you may qualify for. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

• Multi-car Discount – Purchasing coverage when you have multiple cars or trucks on one policy qualifies for this discount.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life insurance policy as well.
• Early Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.
• Bundle and Save – If you can bundle your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
• Military Discounts – Having a family member in the military could mean lower auto insurance rates.

Just know that most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

A partial list of companies that may include some of the discounts shown above include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

When quoting, ask each company or agent how you can save money. Depending on the company, some discounts may not be offered in your state. If you would like to choose from a list of companies that offer the discounts shown above, click here.

Informed consumers can lower insurance rates

Multiple criteria are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but some are not as apparent like where you live or your vehicle rating.

The itemized list below are some of the most common factors that factor into your rates.

• Only buy extra policy coverages you need – Policies have extra bells and whistles that sound like a good idea at the time on your Continental policy. Coverages for rental car reimbursement, better glass coverage, and extra equipment coverage may be costing you every month. These may sound like a good investment initially, but if you’ve never needed them in the past think about removing them and cutting costs.
• Does your job cost you more? – Occupational choices like doctorsairline pilots and miners usually pay higher rates than average in part from intense work-related stress and extremely grueling work hours. Conversely, professions such as farmers, historians and performers pay the least on Continental insurance.
• Increase comp and collision deductibles and save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your vehicle. A few examples of covered claims are a broken windshield, vandalism, and windstorm damage. Comp and collision deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you’re willing to pay, the bigger discount you will receive on Continental insurance.
• Lower premiums with continuous coverage – Driving without insurance coverage in place is a big no-no and any future policy may cost more because you let your insurance expire. In addition to paying higher premiums, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
• Being married pays dividends – Having a significant other may cut your premiums on your insurance coverage policy. Marriage demonstrates that you tend to be more mature it has been statistically shown that married drivers tend to file fewer claims.
• Credit rating impacts costs – Having a bad credit score will be a significant factor in determining your rates. Therefore, if your credit rating leaves room for improvement, you may save money insuring your 1997 Lincoln Continental by repairing your credit. Drivers with very high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit.

Insurance agents can help

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

Here are some questions about coverages that can help discover if your situation might need professional guidance.

• When should I remove comp and collision on my 1997 Lincoln Continental?
• Can my teen driver be rated on a liability-only vehicle?
• How do I file an SR-22 for a DUI in my state?
• If I drive on a suspended license am I covered?
• Is my nanny covered when driving my vehicle?
• I don’t drive much so do I pay less?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Are insurance companies telling the truth?

Progressive, Allstate and Geico regularly use ads on TV and radio. All the ads make an identical promise about savings if you change your coverage to them. How is it plausible that every one can say the same thing?

Insurance providers have underwriting criteria for the type of driver that will generate a profit. One example of a profitable customer should be over age 30, carries full coverage, and drives less than 10,000 miles a year. Anybody that meets those criteria will get a cheap rate quote and as a result will probably save if they switch.

Drivers who fall short of this stringent profile will see a higher premium and this results in the customer buying from someone else. The trick is to say “people who switch” not “all people who quote” save that kind of money. That’s why insurance companies can make those claims. This really illustrates why you absolutely need to quote coverage with many companies. You cannot predict which company will fit you best based on your risk profile.

Detailed coverages of your insurance policy

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, a broken windshield, a tree branch falling on your vehicle, rock chips in glass and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a parking meter, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like medical expenses, structural damage, loss of income, medical services and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills like doctor visits, ambulance fees, EMT expenses and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Save for a rainy day

Insureds switch companies for a number of reasons such as delays in paying claims, questionable increases in premium, not issuing a premium refund or delays in responding to claim requests. It doesn’t matter what your reason, finding a new insurance company can be easy and end up saving you some money.

We just presented a lot of tips how to save on 1997 Lincoln Continental insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices come from a smaller regional carrier.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find for the lowest price, but do not skimp to save money.

Additional learning opportunities

• What is Full Coverage? (Allstate)
• Frontal Crash Tests (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)