Cheap 2001 Lincoln Continental Insurance Rates

Have you fallen victim to an overpriced insurance coverage policy? Trust us, there are lots of people in the same boat.

Consumers have many auto insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more difficult to find the best rates for your vehicles.

Some factors that can determine what Lincoln Continental insurance costs

Consumers need to have an understanding of the different types of things that play a part in calculating car insurance rates. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Mature drivers pay less – Teenage drivers have a tendency to get distracted easily when behind the wheel so they pay higher car insurance rates. Older insureds are more responsible, tend to file fewer claims and receive fewer citations.
  • Pleasure use or commuting – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most companies rate vehicles based on their usage. Cars not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy properly reflects the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Continental can cost quite a bit.
  • High deductibles save money – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Lincoln from damage. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. The deductibles are the amount of money you are required to spend out-of-pocket before your car insurance pays a claim. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for Continental coverage.
  • Bundling policies can get discounts – Some companies give discounts to insureds who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Your stress level may be raising your rates – Occupations such as judges, business owners and dentists tend to have the highest average rates due to high stress levels and lots of time spent at work. Other professions such as scientists, historians and retirees receive lower rates for Continental coverage.
  • Better credit means lower rates – A driver’s credit score is a important factor in calculating your car insurance rates. So if your credit history is lower than you’d like, you could pay less to insure your 2001 Lincoln Continental by repairing your credit. People with high credit scores tend to be more responsible than drivers with poor credit.

How to Compare Insurance Coverage Costs

Performing a rate comparison is a ton of work if you don’t know the most efficient way to do it. You can waste hours talking to insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most car insurance companies participate in an industry program that enables customers to submit one quote, and each participating company returns a rated price for coverage. This prevents consumers from doing quote requests for each company.

To access this free quoting program, click here to open in new window.

The only drawback to using this type of system is you can’t choose which providers to get quotes from. So if you want to select specific insurance companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, make sure you use identical coverage limits for every quote you compare. If you have differing limits then you won’t be able to find the best deal for your Lincoln Continental. Quoting even small variations in insurance coverages can make a big difference in price. And when price shopping your coverage, getting more free quotes helps you find lower pricing.

Don’t pay full price with these discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but less common discounts must be asked about prior to receiving the credit.

  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Continental coverage with select insurance companies.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Student Driver Training – Have your child enroll in driver’s education in high school.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Auto/Life Discount – Some companies give a break if you buy life insurance.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may save 10% to 20% off each policy.
  • Save over 55 – Older drivers may receive a small decrease in premiums for Continental coverage.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.

It’s important to understand that most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. Any amount of discount will reduce the amount you have to pay.

A partial list of companies who might offer these discounts include:

Check with every prospective company which discounts they offer. Savings may not be available in your state.

Your personal situation dictates your coverage

When buying the best insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions might help in determining whether your personal situation might need professional guidance.

  • At what point should I drop full coverage?
  • How much liability insurance is required?
  • What companies insure drivers after a DUI or DWI?
  • When should I drop full coverage on my 2001 Lincoln Continental?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Educate yourself about car insurance coverages

Knowing the specifics of your car insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by car insurance companies.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, rock chips in glass, damage from getting keyed and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. 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.

Liability insurance

Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as loss of income, court costs and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as nursing services, EMT expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Buy Smart and Save

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. Too many times, someone sacrificed liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Cheaper 2001 Lincoln Continental insurance can be sourced on the web and with local insurance agents, so you should compare both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

We’ve covered many ways to compare insurance prices online. The key thing to remember is 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 a small local company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Geico and State Farm.

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