2002 Lincoln Continental Insurance Quotes

Searching for better insurance coverage rates for your Lincoln Continental? Buying affordable insurance coverage over the internet is difficult for consumers new to price shopping online. When there are so many companies in the marketplace, how can anyone effectively compare every one to find the cheapest rates?

Automobile Insurance Quotes

Performing a rate comparison can be exhausting if you aren’t aware of the most efficient way. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can utilize the web to get the quickest rates.

All the larger companies enroll in a system that enables customers to only type in their quote data once, and at least one company then gives them pricing. This prevents consumers from doing quotation requests to every company.

To find out how much you’re overpaying now click here to open in new window.

The one downside to comparing rates this way is you are unable to specify which providers to receive prices from. So if you want to choose specific insurance companies for rate comparison, we put together a list of low cost auto insurance companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using the exact same coverage limits and deductibles on every quote you get. If your comparisons have higher or lower deductibles you can’t possibly make a fair comparison for your Lincoln Continental. Having just a slight variation in coverage limits can make a big difference in price. Just remember that getting more free quotes provides better odds of finding the best offered rates.

Don’t overlook these discounts

Companies don’t list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known discounts you could be receiving.

  • Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Accident Waiver – Certain companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on Continental insurance depending on your company.
  • Accident Free – Drivers with accident-free driving histories pay less compared to drivers who are more careless.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount on insurance on Continental insurance.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.
  • Life Insurance Discount – Larger companies have a discount if you purchase auto and life insurance together.

It’s important to note that some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, insurance companies aren’t that generous.

To see a list of providers who offer insurance discounts, click this link.

Lincoln Continental insurance rates can be determined by these details

Smart consumers have a good feel for the rating factors that come into play when calculating your car insurance rates. Understanding what determines base rates enables informed choices that will entitle you to big savings.

  • Being married is a good thing – Having a spouse actually saves money on your policy. It means you’re more responsible and statistics show married drivers get in fewer accidents.
  • Don’t get talked into coverage you don’t need – There are a lot of extra bells and whistles you can purchase on your Continental policy. Coverages like rental car reimbursement, better glass coverage and term life insurance may be costing you every month. They may seem good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Do you know your deductibles? – The deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply could be running into the backend of another car, vandalism, and burglary. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Continental insurance.
  • Cautious drivers pay less – Good drivers receive lower rates compared to drivers with tickets. Even a single ticket can increase rates by as much as thirty percent. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

Is my situation unique?

When choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

These are some specific questions could help you determine if you would benefit from professional advice.

  • Is business property covered if stolen from my car?
  • What is the rate difference between pleasure use and commuting?
  • Does my personal policy cover me when driving out-of-state?
  • How do I buy GAP insurance?
  • Do I need higher collision deductibles?
  • What vehicles should carry emergency assistance coverage?
  • How much can I save by bundling my policies?
  • How much liability insurance is required?
  • Am I getting all the discounts available?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverage considerations

Having a good grasp of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2002 Lincoln Continental.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like chiropractic care, funeral costs, hospital visits and dental work. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays for damage to your Continental caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, damage from flooding, falling objects and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage can cover damage that occurs to other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things like medical expenses, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is your choice, but you should buy higher limits if possible.

A penny saved is a penny earned

Cheap 2002 Lincoln Continental insurance is possible on the web in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

In this article, we presented a lot of ways to save on insurance. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from a small local company.

Insureds leave their current company for a variety of reasons including lack of trust in their agent, not issuing a premium refund, questionable increases in premium and even unfair underwriting practices. It doesn’t matter what your reason, switching car insurance companies is less work than it seems.

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