How Much Does 1992 Lincoln Continental Insurance Cost?

Want the cheapest insurance coverage rates for your Lincoln Continental? Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as many other drivers.

Online insurance companies like State Farm, Geico and Farmers Insurance increase brand awareness with ad campaigns and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

It’s a good idea to check insurance coverage prices at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. If you had the lowest price for Continental coverage a couple years back the chances are good that you can find a lower rate today. There is a lot of bad advice regarding insurance coverage online, so we’re going to give you a bunch of ideas how to buy insurance coverage cheaper.

How to Lower Your Insurance Coverage Cost

The are a couple different ways to get quotes from insurance coverage companies in your area. The simplest method to find the lowest 1992 Lincoln Continental rates is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

  1. One of the best ways to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This easy form eliminates the need for boring form submissions for each company. Completing one form gets you coverage quotes from several companies.
  2. A slightly less efficient method to get comparison quotes is to take the time to go to each company’s website and complete a new quote form. For examples sake, let’s say you want comparison quotes from Auto-Owners, Geico and GMAC. To find out each rate you need to spend time on each company’s site to input your insurance information, 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 up to you which method you use, but compare the exact same coverages and limits on every quote you get. If you have different values for each quote it’s not possible to truly determine the lowest rate. Quoting even small variations in coverage limits can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes helps you find a lower rate.

Cut your auto insurance rates with discounts

Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically when you complete an application, but less common discounts must be manually applied before you will receive the discount.

  • Defensive Driving Course – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Homeowners Discount – Owning a home can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more for Continental coverage than less cautious drivers.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in high school.
  • Distant Student – Children who live away from home and do not have a car can receive lower rates.
  • Auto/Home Discount – When you have multiple policies with one company you will save at least 10% off all policies.
  • Memberships – Affiliation with a qualifying organization may earn a discount when shopping for auto insurance for Continental coverage.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will help reduce your overall premium however.

To see a list of insurance companies with the best auto insurance discounts, click here.

You are unique and your auto insurance should be too

When buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For example, these questions might point out whether you would benefit from an agent’s advice.

  • Why do I need rental car insurance?
  • Do I pay less for low miles?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I rate my 1992 Lincoln Continental as pleasure use or commute?
  • Is a new car covered when I drive it off the dealer lot?
  • How do I buy GAP insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Insurance coverages explained

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Collision insurance

This covers damage to your Continental from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like X-ray expenses, prosthetic devices and chiropractic care. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from getting keyed, vandalism, damage from flooding and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Lincoln Continental.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Liability insurance

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical services, pain and suffering, structural damage, legal defense fees and emergency aid. How much coverage you buy is up to you, but consider buying higher limits if possible.

Find Good Coverage for Less

Throughout this article, we presented some good ideas how you can lower your 1992 Lincoln Continental insurance rates. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with an unexpected company. These companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

Lower-priced insurance can be bought from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, do not reduce needed coverages to save money. There have been many situations where someone sacrificed full coverage only to discover later they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at the best price while still protecting your assets.

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