How Much Does 2000 Lincoln Continental Car Insurance Cost?

Wish you could get out of high-priced insurance coverage? Believe me, many drivers feel the same as you.

Popular companies such as Geico, Farmers Insurance and State Farm promote their brand names with ads and it can be hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

You should make it a habit to compare premium rates before your next renewal because insurance coverage rates are constantly changing. Despite the fact that you may have had the lowest rate for Continental coverage on your last policy there is a good chance you can find better prices now. Block out anything you think you know about insurance coverage because it’s time to teach you one of the easiest ways to save money, get proper coverage and the best rates.

If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. Choosing the best insurance company for you is not rocket science. But car owners need to learn the methods companies use to sell insurance online and use this information to your advantage.

The best way to compare insurance rates from multiple companies is to know the fact most of the larger companies provide online access to provide you with free rate quotes. The only thing you need to do is provide a small amount of information including whether you drive to work or school, if you require a SR-22, whether you have decent credit, and if you are currently licensed. The data is automatically sent to many highly-rated insurers and you will get price comparisons instantly to find the best rate.

Does auto insurance advertising bend the truth?

Auto insurance providers like Allstate and Progressive regularly use television, radio, and online ads. They all seem to convey the message that you can save if you get a free auto insurance quote and switch your coverage to them. How do they all say the same thing? It’s all in the wording.

All companies offer their best rates for the type of customer that will generate a profit. For instance, a driver they prefer may need to be between 30 and 50, has few claims, and the vehicle is rated for pleasure use. Someone who matches those parameters will get low car insurance rates and have a good chance to save if they switch.

Consumers who do not meet these criteria will get a higher rate and this can result in the customer not buying. If you pay attention, the ads say “customers who switch” not “everyone that quotes” save that much when switching. That is how insurance companies can state the savings. This really emphasizes why it’s extremely important to get as many free auto insurance quotes as possible. It’s just too difficult to predict which auto insurance company will have the best premium rates for your profile.

Car insurance policy discounts you can’t miss

Car insurance companies do not list all available discounts very clearly, so we took the time to find some of the best known as well as some of the hidden credits available to bring down your rates.

• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up may be able to save a few bucks off the PIP or medical payment premium.
• Low Mileage Discounts – Low annual miles can earn better premium rates on cars that stay parked.
• Renewal Discounts – Some insurance companies give discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
• Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
• Resident Student – Youth drivers who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, that’s just not realistic.

A few popular companies and their possible discounts are detailed below.

• American Family policyholders can earn discounts including Steer into Savings, defensive driver, good driver, accident-free, good student, bundled insurance, and TimeAway discount.
• Nationwide may include discounts for easy pay, accident-free, anti-theft, Farm Bureau membership, defensive driving, and good student.
• MetLife may have discounts that include defensive driver, claim-free, good student, multi-policy, accident-free, good driver
• 21st Century offers discounts for student driver, driver training, teen driver, homeowners, 55 and older, anti-lock brakes, and defensive driver.
• Farmers Insurance has discounts for bundle discounts, distant student, multi-car, business and professional, electronic funds transfer, good student, and homeowner.
• Allstate may offer discounts for utility vehicle, eSmart discount, teenSMART discount, senior citizen, new car, auto/life discount, and anti-theft.

Before you buy a policy, ask all companies you are considering which discounts you qualify for. Some credits might not be available to policyholders in your state. If you would like to see a list of companies that offer the discounts shown above, follow this link.

Insurance agents can help

When it comes to buying coverage, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

• When should I not file a claim?
• Does insurance cover tools stolen from my truck?
• What is medical payments coverage?
• How much can I save by bundling my policies?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What can I do if my company won’t pay a claim?
• If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Coverage specifics

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

Liability coverage – Liability insurance will cover damage that occurs to people or other property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like loss of income, medical expenses, emergency aid and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive protection – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, hitting a deer, damage from flooding and rock chips in glass. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This coverage pays for damage to your Continental resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, driving through your garage door, hitting a mailbox, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage – Med pay and PIP coverage kick in for immediate expenses for things like surgery, dental work, prosthetic devices and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Make a quick buck

We just covered many tips how you can reduce 2000 Lincoln Continental insurance premium rates online. The key concept to understand is the more times you quote, the better chance you’ll have of finding affordable auto insurance. You may be surprised to find that the lowest premium rates are with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone sacrificed physical damage coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

Additional auto insurance information can be found on the following sites:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• What Does No-Fault Insurance Cover? (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)