Save on 2017 Lincoln Continental Insurance Quotes

Paying cheaper coverage rates for insurance is a challenge for drivers who have little experience buying insurance online. With such a large choice of insurers available, it can easily turn into a ton of work to find the perfect company for you.

Shop insurance online

To get inexpensive car insurance quotes, there a variety of ways to compare prices from different companies. The easiest way by far to find affordable 2017 Lincoln Continental insurance rates involves getting comparison quotes online. This is quite simple and can be completed in a couple of different ways.

1. The recommended way to get the best comparison quotes is a comparison rater form click here to open form in new window. This method saves time by eliminating repetitive form entry for every insurance company. In just a few minutes this one form will return quotes from many national carriers. It’s the fastest way to compare.
2. A different way to find more affordable insurance is going to each company website and fill out their own quote form. For examples sake, we’ll assume you want rates from Auto-Owners, Esurance and Liberty Mutual. In order to get each rate, you would have to take the time to go to each site and repeatedly type in your coverage information, which can get rather old.

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

3. The most difficult way to price shop rates is physically going to and from local insurance agencies. The fact that you can get quotes online makes this unnecessary unless you prefer the advice and guidance of an agent trained in personal lines coverage. It is possible to get the lowest quotes online but have your policy serviced through an agent.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples quote information for every company. If each company quotes unequal deductibles or liability limits it will be very difficult to decipher which rate is best. Just slight variations in insurance coverages or limits can result in a big premium difference. Just remember that making a lot of price comparisons increases your odds of finding the best price.

Discounts can really help lower rates

Insurance can be prohibitively expensive, but you may find discounts that many consumers don’t even know exist. A few discounts will be applied when you complete an application, but some discounts are required to be manually applied prior to getting the savings.

• Senior Citizen Rates – Drivers that qualify as senior citizens are able to get better auto insurance rates for Continental coverage.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
• Drivers Education – Have your child successfully complete driver’s ed class as it can save substantially.
• Accident Free – Drivers who don’t have accidents can save substantially when compared with drivers who are more careless.
• Early Switch Discount – A few auto insurance companies offer discounts for buying a new policy before your current expiration date. The savings is around 10%.
• Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts could save 15% off the medical payments premium.

You should keep in mind that most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you could get a free auto insurance policy, it just doesn’t work that way.

A few companies who may offer many of the previously listed discounts include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

When getting free car insurance quotes, it’s a good idea to all companies you are considering which discounts they offer. A few discounts may not apply in your area. To view providers who offer auto insurance discounts, click this link.

Why informed drivers pay less for Lincoln Continental insurance

Lots of factors are part of the calculation when you get a price on insurance. Some factors are common sense like an MVR report, but others are not quite as obvious like where you live or your commute time.It’s important that you understand the factors that go into determining the rates you pay for insurance. If you have a feel for what influences your rates, this enables you to make decisions that may reward you with lower premium levels.

The following are most of the major factors used by your company to calculate rates.

• Keep premiums low by being claim-free – If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Car insurance companies provide discounts to drivers that do not abuse their auto insurance. Your car insurance is designed for claims that pose a financial burden.
• Traffic violations can be expensive – Your driving citation history has a huge affect on how much you pay. Having just one speeding ticket or other violation can increase the cost of insurance forty percent or more. Careful drivers tend to pay less for car insurance compared to bad drivers. Drivers with careless violations such as hit and run, DWI or reckless driving convictions might be required by their state to complete a SR-22 with the DMV in their state in order to legally drive.
• Your location is a factor – Having an address in areas with lower population is a positive aspect when it comes to insurance. People in densly populated areas have traffic congestion and a longer drive to work. Fewer drivers and short commutes translates into fewer accidents in addition to lower liability claims
• What are good liability insurance limits? – The liability section of your policy will afford coverage if you are found to be at fault for an accident. It will provide for a legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to comp and collision, so do not cut corners here.

Will just any policy work for me?

When choosing the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

• Can I afford to buy a different vehicle if my 2017 Lincoln Continental is totaled?
• Do I have coverage if my license is suspended?
• Should I buy full coverage?
• How can I find cheaper teen driver insurance?
• Am I covered when driving someone else’s vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Should I have a commercial auto policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Educate yourself about auto insurance coverages

Understanding the coverages of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like legal defense fees, funeral expenses and pain and suffering. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like rehabilitation expenses, X-ray expenses, hospital visits and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Lincoln Continental.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

This coverage covers damage to your Continental caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Better coverage you can count on

As you quote car insurance, do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability limits or collision coverage and discovered at claim time that it was a big mistake. Your goal should be to find the BEST coverage for the lowest cost.

Discount 2017 Lincoln Continental insurance is attainable from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer the ability to get quotes online and many times these regional insurance providers only sell through local independent agents.

People who switch companies do it for a number of reasons such as extreme rates for teen drivers, policy cancellation, poor customer service and denial of a claim. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

For more information, feel free to visit these articles:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Crash Statistics (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)