Lower Your 1998 Lincoln Continental Insurance Quotes

Searching for cheaper insurance rates for your Lincoln Continental? Locating cheaper insurance for your Lincoln Continental could be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to find insurance online so you’re going to learn the proper way to quote coverages on a Lincoln and find the lowest possible price.

Pricing more affordable coverage can be fairly easy. If you have a current insurance coverage policy or are looking for a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Drivers just need to understand the best way to compare price quotes online.

The Lincoln Continental insurance price equation

It’s important that you understand the different types of things that aid in calculating your policy premiums. If you understand what influences your rates, this allows you to make good choices that may result in lower premium levels.

• Fewer miles means better prices – The higher the mileage driven every year the higher the price you pay to insure it. A lot of insurance companies rate vehicles determined by how the vehicle is used. Cars not used for work or commuting cost less to insure compared to those used for work or business. It’s a smart idea to ensure your policy shows how each vehicle is driven, because it can save money. An improperly rated Continental may be wasting your money.
• Are you male or female? – Statistics show that females take fewer risks when driving. This data doesn’t prove that females are better drivers. They both tend to get into fender benders at a similar rate, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations like DUI and reckless driving.
• Prevent your car from being stolen – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent vehicle theft.
• Do you have enough liability? – Liability coverage is the protection when you are found liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can cost a lot. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Higher comp and collision deductibles save money – Your deductibles define how much the insured will be required to pay before your car insurance pays a claim. Insurance for physical damage to your car, aka comp and collision, protects your car from damage. Some examples of claims that would be covered would be colliding with a stationary object, animal collisions, and damage from wind. The larger the amount you pay before a claim is paid (deductible), the less money you will pay for car insurance for Continental insurance.
• Always keep your car insurance in place – Going without insurance is a fast way to increase your rates. And not only will your rates increase, getting caught without coverage might get you a hefty fine and possibly a revoked license.
• Marriage can save on car insurance – Getting married actually saves money on your car insurance policy. Having a significant other may mean you are more mature and responsible and insurance companies like that drivers who are married are more cautious.
• More traffic equals higher premiums – Having an address in small towns and rural areas is a good thing when talking about car insurance. Drivers who live in large cities regularly have congested traffic and more time behind the wheel. Lower population means less chance of accidents in addition to fewer liability claims.

Discounts can really help save money

Car insurance is not cheap, but you might already qualify for some discounts that you may not even know about. Some discounts will apply when you quote, but occassionally some discounts must be manually applied before they will apply.

• Club Memberships – Joining qualifying employment or professional organizations is a simple method to lower premiums on your bill.
• Anti-theft System – Cars optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Paperless Signup – A few larger online companies will give a small break for buying a policy and signing up on the web.
• Telematics Data Discounts – Drivers that enable their insurance company to spy on driving manner by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
• Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
• Federal Employees – Simply working for the federal government could provide a small rate reduction for Continental insurance depending on your company.
• Distant Student Discount – Older children who attend college more than 100 miles from home and do not take a car to college could get you a discount.
• Multiple Policy Discount – When you combine your auto and home insurance and insure them with the same company you could earn a discount of nearly 15% which can help you find low cost insurance coverage.
• Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, car insurance companies aren’t that generous.

Large car insurance companies and their offered discounts include:

• Mercury Insurance may have discounts that include anti-theft, multi-policy, accident-free, multi-car, and good driver.
• Farmers Insurance discounts include mature driver, pay in full, electronic funds transfer, good student, and youthful driver.
• Farm Bureau may offer discounts for driver training, renewal discount, safe driver, 55 and retired, and multi-vehicle.
• State Farm offers discounts including passive restraint, accident-free, safe vehicle, multiple autos, and anti-theft.
• Allstate may include discounts for FullPay discount, teenSMART discount, defensive driver, 55 and retired, premier plus, safe driver, and good student.
• Geico offers premium reductions for daytime running lights, military active duty, driver training, anti-lock brakes, five-year accident-free, multi-vehicle, and federal employee.

Before purchasing a policy, check with each company what discounts are available to you. Some discounts listed above may not apply to policyholders in your area.

Don’t be fooled by advertising claims

Drivers can’t ignore all the ads for the lowest price insurance coverage by State Farm and Allstate. They all seem to make the promise that people will save just by moving your coverage.

How does every company say the same thing? You have to listen carefully.

Insurance providers have underwriting criteria for the right customer that is profitable for them. One example of a driver they prefer may need to be a married female, has never had a claim, and drives less than 5,000 miles a year. Any driver who matches that profile will get a cheap rate quote and will most likely cut their rates if they switch.

People who fall short of this stringent profile must pay more expensive rates which translates to the customer buying from someone else. Company advertisements say “people who switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can lure you into getting a quote.

Because of the profiling, you need to compare quotes as often as possible. It is impossible to guess with any certainty which company will be your best fit.

Will just any policy work for me?

When it comes to choosing the best insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if you will benefit from professional help.

• Does insurance cover damages from a DUI accident?
• Are all vehicle passengers covered by medical payments coverage?
• How much liability coverage do I need in my state?
• Am I covered when driving someone else’s vehicle?
• Exactly who is provided coverage by my policy?
• Is my teen driver covered when they drive my company car?
• Can I get a multi-policy discount?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Lincoln Continental.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability – This coverage protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like attorney fees, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision insurance covers damage to your Continental resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building, colliding with a tree, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills for EMT expenses, surgery, ambulance fees and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Better coverage you can count on

A few companies may not have rates over the internet and most of the time these small insurance companies sell through independent insurance agents. Low-cost 1998 Lincoln Continental insurance can be bought from both online companies and from local agencies, and you should compare rates from both in order to have the best price selection to choose from.

While you’re price shopping online, do not buy poor coverage just to save money. In many cases, an accident victim reduced uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at an affordable rate.

People switch companies for a variety of reasons including poor customer service, an unsatisfactory settlement offer, delays in responding to claim requests or even questionable increases in premium. It doesn’t matter what your reason, switching insurance companies can be easy and end up saving you some money.

Even more information is available at these sites:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Child Safety Seats (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Airbag FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Rental Reimbursement Coverage (Allstate)