How Much Does 1999 Lincoln Continental Insurance Cost?

Perplexed by the number of car insurance companies available to you? Many other drivers are too. consumers have such a large number of options that it can really be a real hassle to find the best prices.

Consumers need to check car insurance prices before your policy renews because rates go up and down regularly. Even if you think you had the best premium rates on Continental insurance on your last policy other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to learn how to quote online to find better rates and still maintain coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. In a nutshell, every driver who buys auto insurance stands a good chance to be able to cut their insurance bill. Nevertheless, vehicle owners can benefit from knowing the methods companies use to price insurance differently.

Take policy discounts and save

Some companies don’t necessarily list every available discount in an easy-to-find place, so the following is a list of both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.

• Distant Student Discount – Kids who live away from home to go to college and do not have a car could get you a discount.
• Early Renewal Discounts – Some car insurance companies reward drivers for buying a new policy before your current expiration date. Ten percent is about the average savings.
• Military Deployment Discount – Being on active deployment in the military can result in better rates.
• Savings for New Vehicles – Buying a new car model is cheaper because new vehicles keep occupants safer.
• Own a Home – Being a homeowner can help you save on car insurance since owning and maintaining a home requires personal responsibility.
• Save over 55 – Drivers over the age of 55 may receive better car insurance rates on Continental insurance.
• Defensive Driving Course – Completing a safe driver class could possibly earn you a 5% discount and easily recoup the cost of the course.
• Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• Organization Discounts – Being in a qualifying organization is a simple method to lower premiums on car insurance.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, it’s just not the way it works. But any discount will cut your overall bill.

Car insurance companies that have most of these discounts possibly include:

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

Check with every prospective company how many discounts you can get. All car insurance discounts might not be offered in your area.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions can help discover whether you would benefit from an agent’s advice.

• Will I lose any money if I cancel my policy before it expires?
• How do I file an SR-22 for a DUI in my state?
• Do I pay less if my vehicle is kept in my garage?
• When does my teenage driver need to be added to my policy?
• Is my trailer covered?
• What is high-risk coverage and where do I buy it?
• Is my nanny covered when driving my vehicle?
• Is my dog or cat covered if injured in an accident?
• Am I covered when delivering products for my home-based business?
• Does my car insurance cover rental cars?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Can switching companies really save?

Big name companies like Progressive, Geico, Allstate and State Farm regularly use ads on television and other media. They all advertise claims about savings if you switch your auto insurance coverage to their company. How does every auto insurance company charge less that you’re paying now? You have to listen carefully.

All companies provide the lowest rates for the type of driver that will generate a profit. An example of this type of insured may need to be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A propective insured that fits those parameters receive the lowest rate quotes and will save some money.

Drivers who don’t measure up to this stringent profile will be charged higher prices and the prospect going elsewhere. If you pay attention, the ads say “drivers who switch” not “everyone that quotes” save that much money. This is how companies can truthfully advertise the savings. Each company has different criteria, so drivers must get as many free insurance quotes as possible. You cannot predict which insurance companies will have the best prices for your profile.

Insurance coverage basics

Learning about specific coverages of insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision protection

Collision coverage pays for 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 and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, driving through your garage door, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, fire damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage protects you from damage that occurs to other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as attorney fees, structural damage and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills like prosthetic devices, nursing services, dental work, ambulance fees and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Lincoln Continental.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Saving money is sweet as honey

Lower-priced 1999 Lincoln Continental insurance is attainable both online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not provide the ability to get a quote online and many times these small insurance companies work with independent agencies.

We just covered a lot of information how to get a better price on 1999 Lincoln Continental insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the lowest prices are with a small local company.

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. There have been many situations where drivers have reduced full coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

For more information, take a look at these articles:

• Older Drivers FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Should I Buy a New or Used Car? (Allstate)