1998 Lincoln Town Car Car Insurance Quotes – 8 Policy Discounts

Want lower car insurance rates? Drivers have options when trying to find the lowest priced Lincoln Town Car insurance. You can either waste hours struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There are more efficient ways to find car insurance online and you need to know the best way to compare rates for your Lincoln and get the cheapest rates from both online companies and local agents.

Consumers need to price shop coverage once or twice a year because insurance rates are constantly changing. Just because you found the lowest price on Town Car coverage two years ago you can probably find a better price now. There is a lot of bad advice regarding car insurance online but I’m going to show you some proven techniques to quit paying high car insurance rates.

Which Insurance is Cheapest?

Getting a lower price on 1998 Lincoln Town Car insurance is a fairly straight forward process. Drivers just need to take the time getting comparison quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The best way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing repetitive form entry for each company you want a rate for. Taking the time to complete one form will get you price quotes from many national carriers. Just one form and you’re done.
  2. A slightly less efficient method to compare prices requires a trip to the website for each individual company to request a price quote. For instance, let’s assume you want rates from USAA, State Farm and Farmers. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but ensure you’re using the exact same deductibles and coverage limits for every company. If you use different liability limits it will be next to impossible to determine which rate is truly the best.

Save $482 a year? Really?

Drivers constantly see and hear ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the companies have a common claim that you can save if you change your coverage to them.

But how can every company say the same thing?

All companies can use profiling for the type of customer that makes them money. A good example of a preferred risk might be profiled as over the age of 40, insures multiple vehicles, and has excellent credit. Any driver that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.

Potential insureds who fall outside this ideal profile will be quoted a more expensive rate and this can result in the customer not buying. The ads state “customers who switch” not “everybody who quotes” save money. That’s why insurance companies can make the claims of big savings.

This emphasizes why you need to quote coverage with many companies. It’s just too difficult to predict which company will have the lowest Lincoln Town Car insurance rates.

Don’t overlook these eight discounts

Insurance can be prohibitively expensive, but you can get discounts that you may not know about. A few discounts will automatically apply when you quote, but a few need to be requested specifically before they will apply. If you aren’t receiving every discount available, you are paying more than you should be.

  • Claim Free – Drivers with accident-free driving histories pay less compared to frequent claim filers.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Good Student – A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.
  • Memberships – Affiliation with a qualifying organization could trigger savings on auto insurance on Town Car coverage.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Lincoln could be rewarded with a substantially lower rate.

A little note about advertised discounts, most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will bring down your overall premium however.

For a list of companies offering auto insurance discounts, click here to view.

Is my situation unique?

When buying proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions might help in determining whether or not you will benefit from professional help.

  • Is my teen driver covered when they drive my company car?
  • Will filing a claim cost me more?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when driving someone else’s vehicle?
  • What are the best liability limits?
  • At what point should I drop full coverage?
  • Can I still get insurance after a DUI?
  • Should I buy additional glass protection?
  • Does my car insurance cover rental cars?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln Town Car.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like funeral costs, EMT expenses, nursing services, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, vandalism, hail damage and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – Collision coverage covers damage to your Town Car resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, damaging your car on a curb, driving through your garage door, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability coverages – This will cover damage that occurs to other people or property. This coverage protects you against other people’s claims, and does not provide coverage for 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 liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like loss of income, attorney fees and bail bonds. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Stretch your dollar

Drivers switch companies for many reasons like extreme rates for teen drivers, being labeled a high risk driver, lack of trust in their agent or unfair underwriting practices. Regardless of your reason for switching companies, switching companies can be less work than you think.

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an insured dropped liability limits or collision coverage and learned later that it was a big mistake. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Cheaper 1998 Lincoln Town Car insurance can be found from both online companies and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

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