Cheap 2002 Lincoln Continental Insurance Rates

Trying to find the cheapest insurance coverage rates for your Lincoln Continental? Are you irritated from wondering where the money will come from to insure your Lincoln every month? You’re in the same situation as many other consumers. There are many car insurance companies to buy insurance from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the lowest rates.

Verify you’re receiving every discount

Not too many consumers would say insurance coverage is affordable, but you may qualify for discounts that can dramatically reduce your bill. Certain credits will be shown when you quote, but a few must be inquired about before you will receive the discount.

• Safe Driver Discounts – Drivers who avoid accidents can save as much as half off their rates for Continental coverage as compared to drivers with claims.
• Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
• Sign Online – A few larger online companies will discount your bill up to fifty bucks shop insurance coverage over the internet.
• Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for lower rates on the low mileage vehicles.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts could see savings up to 30%.
• Accident Forgiveness – This one is not really a discount per se, but companies like State Farm, Progressive and Geico allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Organization Discounts – Being in a qualifying organization could qualify you for a break on your policy.
• Defensive Driver Discount – Participating in a defensive driver course could cut 5% off your bill depending on where you live.
• Senior Citizens – Drivers over the age of 55 may be able to get lower premium rates for Continental coverage.
• Theft Deterent System – Cars optioned with advanced anti-theft systems prevent vehicle theft and will save you 10% or more.

Discounts lower rates, but some credits don’t apply the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, you won’t be that lucky.

Popular insurance coverage companies and a summarized list of policyholder discounts are included below.

• Progressive discounts include online signing, homeowner, multi-policy, continuous coverage, multi-vehicle, and good student.
• AAA offers premium reductions for good driver, multi-car, anti-theft, pay-in-full, and education and occupation.
• Farmers Insurance has discounts for good student, distant student, early shopping, business and professional, bundle discounts, electronic funds transfer, and multi-car.
• Geico offers discounts including five-year accident-free, membership and employees, daytime running lights, anti-lock brakes, defensive driver, multi-policy, and military active duty.
• Esurance offers discounts for online shopper, DriveSense, Pac-12 alumni, Switch & Save, and anti-theft.
• SAFECO may have discounts that include drive less, homeowner, multi-car, safe driver, teen safe driver, and teen safety rewards.
• State Farm has savings for passive restraint, safe vehicle, Steer Clear safe driver discount, good driver, student away at school, and defensive driving training.

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not apply to policies in your state. To locate insurance companies with significant discounts, click this link.

The fastest way that we advise to get rate comparisons is to know the trick most insurance companies participate in a system to provide you with a free rate quote. To get started, all you need to do is provide information including how much school you completed, if it has an anti-theft system, if you’re married, and how you use your vehicles. That rating information is sent automatically to multiple different insurance companies and they return cost estimate immediately.

To start a rate quote now, click here and find out if you can get cheaper insurance.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help highlight whether or not you could use an agent’s help.

• Should I put collision coverage on all my vehicles?
• What if I don’t agree with a claim settlement offer?
• How much underlying liability do I need for an umbrella policy?
• What is roadside assistance coverage?
• Do I have coverage when making deliveries for my home business?
• How do I file an SR-22 for a DUI in my state?
• Is my 2002 Lincoln Continental covered for smoke damage?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Specifics of your car insurance policy

Understanding the coverages of car insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from car insurance companies.

Liability car insurance

This protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

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 liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like bail bonds, pain and suffering, emergency aid and structural damage. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Continental resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. 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 flooding, hail damage and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for X-ray expenses, chiropractic care, ambulance fees and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Lincoln Continental.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Final considerations

You just read a lot of techniques to compare 2002 Lincoln Continental insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with a company that doesn’t do a lot of advertising. Some small companies often have lower auto insurance rates on specific markets than the large multi-state companies such as State Farm and Allstate.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut uninsured motorist or liability limits and learned later that it was a big mistake. The proper strategy is to buy enough coverage for the lowest cost.

Additional detailed information is located in these articles:

• Tools for Teen Driving Safety (State Farm)
• Rollover Crash FAQ (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)