View 1997 Lincoln Continental Insurance Quotes

Looking for the cheapest insurance rates for your Lincoln Continental? Are you sick and tired of robbing Peter to pay Paul to insure your Lincoln every month? You are no different than the majority of other car owners.

There is such a variety of auto insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

It’s smart to do rate comparisons once or twice a year because prices tend to go up over time. Despite the fact that you may have had the best deal for Continental coverage last year you can probably find a lower rate today. There is a lot of bad information regarding insurance on the web, but we’re going to give you the best ways to find cheap insurance.

Lincoln Continental rates are complex

It’s important that you understand the rating factors that go into determining your car insurance rates. Understanding what determines base rates empowers consumers to make smart changes that could result in lower car insurance prices.

Listed below are a few of the “ingredients” used by your company to calculate premiums.

  • Your occupation can affect rates – Careers like judges, business owners and stock brokers have the highest rates because of stressful work requirements and lengthy work days. On the other hand, occupations such as scientists, students and retirees get better rates for Continental coverage.
  • Pleasure use saves money – Driving more miles every year the more you will pay for car insurance. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your Continental may be wasting your money. Double check that your car insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Do men or women drive better? – Statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Men and women tend to get into accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets such as reckless driving.
  • How many coverages with the same company – The majority of insurers will award you with lower prices to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • What are your deductibles? – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Lincoln. Some instances where coverage would apply are running into the backend of another car, collision with an animal, or theft. Your deductibles are how much you are willing to pay if you file a covered claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Continental coverage.

How to Get Auto Insurance

The are a couple different ways to compare quotes and find the best price. The easiest way by far to find the lowest 1997 Lincoln Continental rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The recommended way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating separate quotation requests for each company. A single form gets rate comparisons from all major companies.

Another way to compare rate quotes is to manually visit each company’s website to complete a price quote. For sake of this example, we’ll pretend you want rates from USAA, 21st Century and State Farm. To find out each rate you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

Whichever method you choose, ensure you are comparing the exact same coverages and limits for every company. If you compare different limits and deductibles on each one it’s impossible to determine the lowest rate for your Lincoln Continental. Having just a slight variation in coverages may result in a large different in cost. Just keep in mind that having more price comparisons gives you a better chance of getting lower pricing.

Ads can be misleading

Progressive, Allstate and Geico continually stream ads in print and on television. All the companies say the same thing that you can save after switching your coverage to them. How can each company make almost identical claims?

Insurance companies can use profiling for the right customer that earns them a profit. A good example of a desirable insured could possibly be over the age of 40, owns a home, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” gets the lowest rates and most likely will cut their rates substantially.

Potential customers who are not a match for the “perfect” profile must pay a higher premium which leads to business going elsewhere. The ads say “drivers who switch” not “people who quote” save that much money. This is how insurance companies can confidently make the claims of big savings. This illustrates why it’s extremely important to get a wide range of price quotes. Because you never know which car insurance company will provide you with the cheapest Lincoln Continental insurance rates.

How to save on Lincoln Continental insurance

Car insurance companies don’t list every available discount very well, so we break down both well-publicized and the more hidden ways to save on car insurance.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Senior Discount – If you’re over the age of 55, you may receive better car insurance rates for Continental coverage.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Homeowners Savings – Owning a house can save you money because owning a home shows financial diligence.
  • College Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.

Consumers should know that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

A partial list of companies that may offer these benefits include:

It’s a good idea to ask each insurance company which discounts they offer. Savings may not apply in your state.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if your situation might need professional guidance.

  • Will I lose any money if I cancel my policy before it expires?
  • Should I bundle my homeowners policy with my auto?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does coverage extend to my business vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my cargo covered for damage or theft?
  • What is PIP insurance?
  • What are the financial responsibility laws in my state?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as chiropractic care, pain medications, dental work, EMT expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

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 insurance covers claims like fire damage, a tree branch falling on your vehicle, hitting a deer, vandalism and rock chips in glass. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

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 policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like emergency aid, medical expenses, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision insurance pays for 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 insurance covers things such as sideswiping another vehicle, crashing into a building, colliding with a tree and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Best coverage at the best price

The cheapest 1997 Lincoln Continental insurance is definitely available both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Additional car insurance information can be read on the following sites: