Compare 2001 Lincoln LS Insurance Quotes

Paying for expensive Lincoln LS insurance can dwindle your funds and make it impossible to make ends meet. Comparing rates annually is a smart way to make sure you’re not throwing money away.

There is such a variety of auto insurance companies to choose from, and though it is a good thing to have a choice, it can be more difficult to compare rates and find the lowest cost car insurance.

How to buy auto insurance online

There are a lot of ways to compare auto insurance prices but one way is less time-consuming than others. You could spend your day talking to agents in your area, or you could use online quoting to maximize your effort.

Most of the larger companies participate in an industry program that allows shoppers to submit one quote, and each company then returns a price quote based on that information. This saves time by eliminating form submissions for each company.

To participate in this free quote system, click to open in new window.

The single downside to using this type of form is you don’t know exactly the insurers to get quotes from. If you wish to select specific insurance companies to request quotes from, we have a listing of companies who write auto insurance in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just ensure you’re using nearly identical coverage limits and deductibles with every price quote. If each company quotes higher or lower deductibles it will be very difficult to determine the best price for your Lincoln LS. Having just a slight variation in coverage limits may result in large price differences. And when quoting auto insurance, remember that comparing all the rates in your area will improve the odds of getting lower pricing. Not every company provides rate quotes online, so you should also compare price estimates from them, too.

Discounts can really help save money

Some insurers don’t always advertise all available discounts in an easy-to-find place, so the list below contains a few of the more well known and the more hidden credits available to you.

  • Buy New and Save – Buying a new car instead of a used car is cheaper since new vehicles are generally safer.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save a little off PIP or medical payments premium.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower rates.
  • Responsible Driver Discount – Drivers who avoid accidents may save up to 50% more for LS coverage compared to accident prone drivers.
  • Multiple Vehicles – Having multiple cars or trucks with the same insurance coverage company can reduce the rates for all insured vehicles.
  • One Accident Forgiven – Not really a discount, but some insurance companies may permit one accident without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.
  • Multi-line Discount – Some insurance coverage companies give a small discount if you purchase some life insurance too.
  • Driver Safety – Taking time to complete a course that instructs on driving safety could save 5% or more depending on where you live.
  • Distant Student – Youth drivers who are enrolled in higher education away from home and leave their car at home can be insured at a reduced rate.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way.

Some companies who may offer some of the above discounts include:

When getting free auto insurance quotes, it’s a good idea to each company which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in your state. To see companies with significant discounts, click here to view.

Will just any policy work for me?

When it comes to buying the best car insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is upholstery damage covered by car insurance?
  • Should I buy full coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is roadside assistance coverage?
  • What is the difference between comprehensive and collision coverage?
  • Are rental cars covered under my policy?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short 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 the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like rehabilitation expenses, EMT expenses, pain medications, dental work and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – This coverage provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as structural damage, medical services, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2001 Lincoln LS.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive auto coverage – Comprehensive insurance coverage pays for 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 coverage pays for claims such as damage from getting keyed, vandalism, hail damage, hitting a bird and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Comments About 2001 Lincoln LS Insurance

  1. Roger Branch

    Cheap car insurance? What’s that? I live in Henderson, NV. Got car insurance quotes with Auto-Owners, Eastwood, and Sentry for my 2001 Lincoln LS and saved $109 a year. They have a lot of discounts available.

  2. Ciara Olsen

    I live in Colorado Springs, CO. Received rates from Allstate, AAA, and Farmers for my Lincoln and saved about $120 a year. It’s too old for full coverage.

  3. Fallon Brady

    Great site. I’m in Denver, Colorado. Don’t remember every company but I ended up saving about $30 each month. I’m a pretty good driver though. :P I just carry liability insurance.

  4. Siu Hopper

    Does Connecticut require liability coverage?

  5. Riva Burgess

    Nice post. I live on the east side of Rio Rancho, New Mexico. Got prices from Travelers, Amica, GMAC, and Sentry for my 2001 Lincoln LS and cut my rates about $90 a year.

  6. Lisbeth Patton

    For me, State Farm was by far the cheapest in Rochester, MN.

  7. Latoya Mendoza

    Got a quote with AAA for my LS and saved about $100 a year. I have a teen driver too. Still almost need a second mortgage.

  8. Charlyn Palmer

    Well-written and thought out article. I live just to the south of Wilmington, DE. Quoted with Auto-Owners, Encompass, and MetLife for my LS and saved just over $90 a year. I’m a pretty good driver though. When should I drop full coverage?