Cheaper 1996 Lincoln Continental Car Insurance Rates

Perplexed by the crazy number of insurance company choices? You have a lot of company. There are so many options available that it can be more work than you anticipated to find better rates.

Smart consumers take time to price shop coverage at least once a year since rates trend upward over time. Even if you think you had the best deal on Continental coverage a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to use online quotes to buy cheaper insurance.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these tips. Although drivers must comprehend the methods companies use to determine prices because it can help you find the best coverage.

Cheap Insurance Coverage Comparisons

To find the best insurance coverage prices, there are several ways to compare rate quotes from insurance coverage companies in your area. By far the easiest way to compare 1996 Lincoln Continental insurance prices consists of shopping online. This is very easy and can be done in just a few minutes using one of these methods.

  • The first (and easiest) way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form keeps you from doing boring form submissions for every insurance coverage company. Completing one form gets you price quotes from all major companies. This is perfect if you don’t have a lot of time.
  • A more difficult way to compare rate quotes is to take the time to go to each company website and complete a new quote form. For instance, let’s assume you want comparison quotes from Geico, State Farm and Travelers. To get each rate you have to go to every website to input your insurance information, which is why the first method is more popular.

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

It’s up to you which method you use, but compare exactly the same coverages and limits with every price quote. If you enter different liability limits it’s not possible to determine the best price for your Lincoln Continental. Having just a slight variation in limits can make a big difference in price. It’s important to know that having more price comparisons helps locate a better price.

Discounts on Lincoln Continental insurance

Companies don’t list every available discount very well, so we break down both well-publicized as well as the least known ways to save on auto insurance.

  • Safety Course Discount – Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Drive Less and Save – Fewer annual miles on your Lincoln can earn lower rates on the low mileage vehicles.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Accident Waiver – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Own a Home – Being a homeowner can save you money because maintaining a house shows financial diligence.
  • No Accidents – Good drivers with no accidents can earn big discounts compared to bad drivers.
  • Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.

It’s important to note that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.

Companies that possibly offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts might not apply everywhere.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether you may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • Are rental cars covered under my policy?
  • Are my friends covered when driving my 1996 Lincoln Continental?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I afford low physical damage deductibles?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do all my vehicles need collision coverage?
  • What can I do if my company won’t pay a claim?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Parts of the Lincoln Continental rate equation

Consumers need to have an understanding of the rating factors that come into play when calculating insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that could result in big savings.

The list below includes some of the factors companies use to determine premiums.

  • Your location affects your rates – Residing in a rural area can be a good thing when it comes to insurance. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. City drivers have to deal with much more traffic to deal with and much longer commute distances. More time on the road can result in more accidents.
  • How many coverages with the same company – Most insurance companies provide better rates to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to compare rates to verify if the discount is saving money.
  • Never let your coverage lapse – Driving without insurance is illegal and your next policy will cost more because you let your insurance expire. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a license revocation or jail time.You may have to prove you have insurance by filing a SR-22 with your state DMV.
  • Add-on coverages can add up – There are many extra bells and whistles that you can get tricked into buying on your insurance policy. Coverages like personal injury protection, accidental death and term life insurance are examples of these. These coverages may sound good initially, but if they’re wasting money get rid of them and save.
  • Being married is a good thing – Being married actually saves money on your insurance policy. Having a significant other means you’re more responsible and it’s proven that married drivers get in fewer accidents.
  • Your credit rating is important – A driver’s credit rating is a important factor in determining what you pay for insurance. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit. If your credit can use some improvement, you could pay less to insure your 1996 Lincoln Continental by improving your credit score.
  • Protect yourself with liability coverage – Liability coverage will protect you when you are found to be at fault for causing damage or personal injury in an accident. It provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.

Specific coverage details

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses like EMT expenses, prosthetic devices, X-ray expenses, surgery and funeral costs. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – This provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

UM/UIM Coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Lincoln Continental.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, colliding with a tree, scraping a guard rail, rolling your car and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision – This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, fire damage and hail damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Saving money makes a lot of cents

In this article, we presented some good ideas how you can reduce 1996 Lincoln Continental insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from the smaller companies.

Affordable insurance is available online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at the best price, not the least amount of coverage.

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