1999 Lincoln Town Car Car Insurance Rates

Searching for cheaper insurance coverage rates for your Lincoln Town Car? Finding cheaper auto insurance quotes online could seem overwhelming if you have never used price quotes online. But keep reading because there is an easy way to compare rates.

Smart consumers take time to compare rates every six months because insurance coverage prices change quite often. If you had the best price on Town Car coverage last year a different company probably has better rates today. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you the best way to save money, get proper coverage and the best rates.

Do you qualify for discount insurance coverage?

Car insurance is not cheap, but you may find discounts that could drop your premiums quite a bit. A few discounts will be applied when you complete an application, but a few must be specifically requested before being credited.

• Bundle and Save – If you can bundle your auto and homeowners insurance and insure them with the same company you may earn up to 20% off your total premium.
• Discount for Good Grades – Excelling in school may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up to age 25.
• Mature Driver Discount – Drivers over the age of 55 are able to get a small discount on rates on Town Car coverage.
• Save with a New Car – Buying insurance coverage on a new vehicle can cost up to 25% less due to better safety requirements for new model year vehicles.
• Paperless Signup – Some insurance coverage companies may give you up to $50 for signing up on the internet.
• Safety Course Discount – Taking a course teaching driver safety skills could save 5% or more and also improve your driving technique.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you’re out of luck.

Car insurance companies that may offer these benefits may include but are not limited to:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

It’s a good idea to ask each company or agent which discounts you qualify for. A few discounts might not be offered in your area. For a list of companies that can offer you the previously mentioned discounts, click here.

How to compare insurance coverage quotes

There are multiple methods you can shop for insurance coverage but some are easier and takes less work. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Most major companies belong to an insurance system that allows shoppers to send in one quote, and each company then gives them pricing determined by their information. This system prevents you from having to do form submissions for each company.

To submit your quote information now, click to open in new window.

The single downside to getting quotes like this is buyers cannot specifically choose which companies to get quotes from. So if you prefer to choose from a list of companies to compare prices, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

Whichever way you use, try to use identical coverage information for each comparison quote. If you have mixed coverages it will be impossible to determine which rate is truly the best. Quoting even small variations in coverage limits may result in a large different in cost. Just remember that comparing a large number of companies increases the change that you will find a lower rate. Not every company provides price estimates online, so it’s recommended that you also compare quotes from them as well.

Informed consumers can slash their insurance prices

Many different elements are part of the equation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious such as your marital status and annual miles driven.

• Older drivers pay less – Older insureds are shown to be more cautious, tend to file fewer claims , and usually have better credit.Inexperience drivers have been known to be inattentive behind the wheel so insurance rates are higher.
• Premiums for men may be higher – Statistics have proven that females take fewer risks when driving. It does not mean women are BETTER drivers than men. Both sexes get in auto accidents at a similar rate, but the males tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 generally have the highest accident percentage so they pay the highest premiums.
• Insurance companies don’t like frequent policy claims – Insurance companies give most affordable rates to people who file claims infrequently. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of more catestrophic claims.
• Consolidate policies and save money – The majority of insurers will award a discount to buyers that purchase more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to compare rates to ensure the best deal.
• Driving citations cost more than a fine – Your driving record has a lot to do with how much you pay for insurance. Good drivers receive lower rates compared to drivers with tickets. Having a single chargable violation can boost insurance rates by as much as twenty percent. People who have severe citations like DWI, reckless driving or hit and run convictions are required to file a SR-22 with the DMV in their state in order to legally drive.
• Urban areas may pay more – Being located in less populated areas of the country is a positive aspect when buying insurance. Lower population translates into fewer accident claims and lower theft and vandalism rates. Residents of big cities have to deal with congested traffic and more severe claims. More time on the road translates into higher accident risk.

What insurance coverages do I need?

When buying proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

• Does my insurance cover my expensive audio equipment?
• How do I insure my teen driver?
• Does coverage extend to my business vehicle?
• Do I need an umbrella policy?
• Does my policy cover my teen driver if they drive my company car?
• Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.

Is there deception in advertising?

Popular car insurance providers such as 21st Century, Allstate and State Farm endlessly run television, radio, and online ads. They all have a common claim that drivers will save a bundle if you change your car insurance policy to them. How do they all charge lower premium rates?

All the different companies have specific characteristics for the type of insured that will generate a profit. One example of a profitable risk profile may be over the age of 50, has no driving citations, and drives a vehicle with a low ISO rating. Anyone that meets those criteria will most likely get cheap rates and will also save a lot if they switch.

Potential insureds who do not fit those criteria will probably have to pay higher premium rates which results in the customer not buying. The ads say “people that switch” not “everyone that quotes” save that much. That is how insurance companies can confidently make those statements.

Different companies use different criteria so it is so important to do a price quote comparison at every renewal. Because you cannot predict the company that will have the lowest prices for your situation.

Car insurance 101

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for bills for things like chiropractic care, X-ray expenses, rehabilitation expenses and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage covers damage to your Town Car caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, crashing into a building, driving through your garage door, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverage – Liability insurance can cover damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for claims like bail bonds, pain and suffering and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, damage from flooding and fire damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your 1999 Lincoln Town Car.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

In conclusion

As you prepare to switch companies, you should never skimp on coverage in order to save money. In many cases, someone sacrificed comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

Lower-priced 1999 Lincoln Town Car insurance can be sourced online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies do not provide the ability to get quotes online and usually these smaller companies work with local independent agencies.

We’ve covered a lot of tips how to shop for 1999 Lincoln Town Car insurance online. The key thing to remember is the more times you quote, the better chance you’ll have of finding affordable auto insurance. You may even find the best price on auto insurance is with some of the smallest insurance companies.

More tips and info about auto insurance is available in these articles:

• Teen Driver Licensing Information (iihs.org)
• Airbag FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)