1994 Lincoln Continental Insurance Rates

Want lower insurance rates for your Lincoln Continental? Are you a victim of overpriced insurance? Believe me, many consumers feel financially strained by their insurance policy. Since consumers have many different company options, it can be diffult for consumers to locate the most affordable provider.

Best discounts on Lincoln Continental coverage

The cost of insuring your cars can be expensive, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but a few must be specifically requested before you will receive the discount. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
  • Safe Drivers – Safe drivers may save up to 50% more for Continental insurance than less cautious drivers.
  • Homeowners Discount – Owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • No Charge for an Accident – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Auto/Home Discount – If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Claim Free – Claim-free drivers pay less compared to frequent claim filers.
  • Resident Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Paperless Signup – Some insurance companies give back up to $50 simply for signing over the internet.

Keep in mind that most discount credits are not given the the whole policy. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurance companies who offer insurance coverage discounts, follow this link.

Impacting insurance rates for a Lincoln Continental

Smart consumers have a good feel for some of the elements that go into determining auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that could result in big savings.

  • Traffic violations increase rates – Drivers who don’t get tickets get better rates than bad drivers. Just one speeding ticket can bump up the cost twenty percent or more. Drivers who have serious citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Where do you drive? – Driving more miles in a year the higher your rate. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance coverage properly reflects the proper vehicle usage, because it can save money. If your policy improperly rates your Continental can result in significantly higher rates.
  • Equipment add-ons that lower auto insurance rates – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Your stress level may be raising your rates – Occupations like judges, social workers and dentists have the highest average rates due to stressful work requirements and lots of time spent at work. Other professions such as actors, historians and the unemployed get better rates for Continental insurance.
  • Older drivers pay less – Teenage drivers tend to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, tend to file fewer claims and receive fewer citations.
  • Men are more aggressive – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. They both cause accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.
  • Keep rates low by being claim-free – Auto insurance companies generally give better rates to people who do not file claims often. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is designed for the large, substantial claims.
  • Better credit scores mean better rates – A driver’s credit history is a important factor in determining what you pay for auto insurance. Therefore, if your credit is not that good, you could pay less to insure your 1994 Lincoln Continental by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit scores.

Tailor your coverage to you

When choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • Do I need replacement cost coverage on my 1994 Lincoln Continental?
  • I have health insurance so do I need medical payments coverage?
  • Do I need more liability coverage?
  • Which is better, split liability limits or combined limits?
  • Do I need medical payments coverage since I have good health insurance?
  • Will filing a claim cost me more?
  • Am I missing any policy discounts?
  • When should I drop full coverage on my 1994 Lincoln Continental?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Parts of your auto insurance policy

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverage types offered by auto insurance companies.

Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, hitting a bird and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, hitting a parking meter, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Coverage for liability – Liability insurance provides protection from damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of 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. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills such as X-ray expenses, prosthetic devices, surgery and nursing services. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

More choices the merrier

We covered many tips how you can get a better price on 1994 Lincoln Continental insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a small local company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, Geico and Progressive.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced collision coverage and discovered at claim time that it was a big error on their part. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.

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