View 2002 Lincoln Blackwood Car Insurance Quotes

Trying to find lower insurance coverage rates for your Lincoln Blackwood? Did you come to the realization that you have high-priced insurance coverage? Trust us when we tell you many drivers feel the same as you.

Due to the fact that there are so many companies to choose from, it can be challenging to pick a more affordable insurance company.

Finding the best rates is quite easy. In a nutshell, everyone who is required by state law to have insurance coverage will be able to reduce their rates. But consumers do need to understand how insurance companies sell online and use this information to your advantage.

Five things that determine your insurance premiums

Lots of factors are considered when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but some are not as apparent such as your marital status or your commute time.It’s important that you understand a few of the rating criteria that help calculate the price you pay for insurance. If you have a feel for what determines base rates, this allows you to make educated decisions that will entitle you to lower rates.

  • Continuous coverage saves money – Letting your insurance expire is a quick way to pay more for insurance. In addition to paying higher rates, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Multi-policy discounts can save money – The majority of companies give a discount to clients who carry more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even though this discount sounds good, it’s always a smart idea to get quotes from other companies to verify if the discount is saving money.
  • Extra policy coverages are wasting money – Insurance policies have a lot of additional coverages that can add up on your Blackwood policy. Insurance for rental car coverage, better glass coverage, and extra equipment coverage are examples of these. These coverages may sound good initially, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Discounts for married couples – Having a spouse may save some money on your insurance policy. Having a significant other means you’re more stable financially and insurance companies like that drivers who are married are more cautious.
  • Where you call home factors in – Choosing to live in small towns and rural areas is a good thing when insuring your vehicles. Fewer people translates into fewer accidents and a lower car theft rate. City drivers tend to have more traffic problems and a longer drive to work. More time behind the wheel means more chances of being involved in an auto accident.

Low cost insurance

To get low cost car insurance quotes, there a variety of ways of comparing price quotes from local insurance companies. The best way to do a complete rate comparison consists of obtaining rate quotes online. This is very easy and can be done by using one of the methods below.

  1. Without a doubt, the easiest way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This quick form saves time by eliminating boring form submissions for every prospective company. One simple form gets you price quotes from multiple low-cost companies.
  2. A less efficient way to obtain and compare quotes online consists of going to the website of each company and repeat the quote process. For examples sake, we’ll assume you need rates from Allstate, Liberty Mutual and GMAC. You would be required to spend time on each company’s site and type in your information over and over, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but do your best to use nearly identical coverage information on every quote. If each company quotes unequal deductibles or liability limits you can’t possibly determine which rate is truly the best. Slightly different coverages could throw off the whole comparison. And when quoting insurance, remember that more quotes helps locate the best price.

Lower your car insurance rates with discounts

Some insurance providers don’t always advertise every available discount very clearly, so the list below gives a summary of a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

  • Own a Home – Owning your own home or condo can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a car insurance quote for Blackwood insurance.
  • Responsible Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Blackwood insurance than drivers with accidents.
  • Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction for Blackwood insurance depending on your car insurance provider.
  • Defensive Driver Discounts – Taking part in a defensive driver course could earn you a small percentage discount and also improve your driving technique.
  • Student Discounts – This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.

Discounts save money, but please remember that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky.

Companies and some of their more popular discounts are outlined below.

  • Progressive discounts include online quote discount, good student, multi-vehicle, continuous coverage, online signing, and multi-policy.
  • Farmers Insurance may have discounts that include good student, youthful driver, bundle discounts, alternative fuel, business and professional, distant student, and electronic funds transfer.
  • Farm Bureau has discounts for multi-vehicle, driver training, multi-policy, 55 and retired, youthful driver, renewal discount, and good student.
  • State Farm offers premium reductions for good student, passive restraint, good driver, accident-free, student away at school, and anti-theft.
  • Geico has savings for military active duty, daytime running lights, federal employee, emergency military deployment, driver training, membership and employees, and anti-lock brakes.
  • SAFECO may include discounts for anti-lock brakes, multi-car, accident prevention training, bundle discounts, homeowner, teen safety rewards, and safe driver.
  • Liberty Mutual includes discounts for newly retired, exclusive group savings, multi-policy, hybrid vehicle, multi-car, safety features, and newly married.

Check with all the companies the best way to save money. Depending on the company, some discounts may not be available in your area. If you would like to choose from a list of insurers who offer online car insurance quotes, click here.

You are unique and your insurance should be too

When it comes to buying coverage, there really is not a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

  • How do I buy GAP insurance?
  • When should I drop full coverage on my 2002 Lincoln Blackwood?
  • Am I covered if I break a side mirror?
  • What if I don’t agree with a claim settlement offer?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Auto insurance policy specifics

Having a good grasp of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on most auto insurance policies.

Liability

Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like legal defense fees, loss of income, repair costs for stationary objects and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like surgery, EMT expenses, doctor visits and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Lincoln Blackwood.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, a broken windshield, falling objects, damage from getting keyed and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance will pay to fix damage to your Blackwood resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Make a quick buck

A few companies may not provide the ability to get quotes online and many times these smaller providers provide coverage only through independent insurance agents. Budget-friendly car insurance is attainable from both online companies as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis.

While you’re price shopping online, never reduce coverage to reduce premium. There are a lot of situations where someone dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.

Additional car insurance information can be found below:

Comments About 2002 Lincoln Blackwood Insurance

  1. Tova Franklin

    Good site, thanks. From northwest of Knoxville, TN. Got rates from Travelers, AIG Insurance, The General, and Nationwide for my Lincoln and saved just over $110 a year. Only insure liability on my Blackwood.

  2. Melita Mcclure

    Went with GMAC for my 2002 Lincoln Blackwood and cut my rates about $80 a year. Was with Mercury. Good multi-policy discounts.

  3. Lucretia Roth

    Does 21st Century use ACV or replacement cost?

  4. Mike Little

    Are custom wheels covered by insurance?

  5. Toshia Davenport

    What is comprehensive coverage?

  6. Callie Roman

    Not sure if this is cheap. I’m in the suburbs of Aurora, CO. Received prices from Amica, Sentry, and USAA for my Blackwood and saved $87 a year. Left USAA to switch. Anyone else drop full coverage?

  7. Hipolito Tanner

    I live just outside Saint Paul, Minnesota. Received rates from GEICO, Amica, and some I forget for my 2002 Lincoln Blackwood and cut my rates about $70 a year. Even increased coverage a bit. I got a quote from their website. I just carry liability insurance.

  8. Tana Rice

    Like your site, BTW. I live east of Rochester, NY. Got car insurance quotes from GEICO, Amica, and Esurance for my Blackwood and I think I cut my rates about $20 each month. Good multi-policy discounts. Online quotes are the way to go. It’s too old for full coverage.