Cheaper 2018 Lincoln Continental Insurance Rates

Trying to find lower auto insurance rates for your Lincoln Continental? Did you come to the realization that you have overpriced auto insurance? Trust us when we tell you you’re not the only one. You have so many insurance companies to choose from, and though it is a good thing to have a choice, lots of choices makes it harder to locate the cheapest rates.

Save with these discounts

Some insurers do not list every discount they offer in an easy-to-find place, so the list below contains both the well known as well as some of the hidden credits available to bring down your rates.

  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Safety Restraint Discount – Drivers who require all occupants to buckle their seat belts could cut 10% or more off PIP or medical payments premium.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted auto insurance rate on car insurance if you buy life insurance.
  • Theft Deterent – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.

You can save money using discounts, but most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of companies and some of the premium reductions they offer are detailed below.

  • Mercury Insurance offers premium reductions for annual mileage, multi-policy, anti-theft, multi-car, good student, and type of vehicle.
  • Farmers Insurance may include discounts for pay in full, homeowner, business and professional, teen driver, early shopping, and good student.
  • Farm Bureau may offer discounts for 55 and retired, multi-vehicle, safe driver, renewal discount, and driver training.
  • State Farm has savings for student away at school, safe vehicle, Steer Clear safe driver discount, good driver, defensive driving training, Drive Safe & Save, and anti-theft.
  • Allstate offers discounts including anti-lock brakes, auto/life discount, safe driver, teenSMART discount, and EZ pay plan discount.
  • Geico policyholders can earn discounts including seat belt use, five-year accident-free, multi-policy, membership and employees, multi-vehicle, air bags, and anti-lock brakes.

When comparing rates, check with each company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in your area. To choose insurance companies that provide some of the discounts listed above, click here to view.

Special considerations

When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions could help you determine if you may require specific advice.

  • Is my trailer covered?
  • Am I covered when using my vehicle for business?
  • Do I need more liability coverage?
  • What are the financial responsibility laws in my state?
  • Should I buy full coverage?
  • Are my friends covered when driving my 2018 Lincoln Continental?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I sign the liability waiver when renting a car?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Do drivers who switch really save $383 a year?

Consumers can’t get away from all the ads that promise big savings for switching from the likes of State Farm and Allstate. They all seem to make the same claim that people will save if you move your policy.

It sounds good, but how can they all have lower policy pricing? Here is how they do it.

Companies can use profiling for the type of insured that will most likely be profitable. For example, a profitable customer could possibly be a married female, has never had a policy lapse, and the vehicle is rated for pleasure use. A driver that fits those parameters will qualify for the lowest rates and will save when switching.

Potential customers who are not a match for this ideal profile may be forced to pay higher rates and this can result in the customer not purchasing. If you listen closely, the ads state “drivers who switch” not “all people who quote” save that kind of money. This is how companies can truthfully make claims like that.

Each company has different criteria, so you absolutely need to get price quotes at each policy renewal. It’s not possible to predict which company will give you lower prices than your current company.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Liability auto insurance – Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as repair bills for other people’s vehicles, emergency aid and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like chiropractic care, nursing services, pain medications, X-ray expenses and hospital visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, damage from a tornado or hurricane and hitting a bird. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Lincoln Continental.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Stretch your dollar

We covered many ways to compare 2018 Lincoln Continental insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from an unexpected company. They may have significantly lower auto insurance rates on certain market segments than their larger competitors like Progressive or Geico.

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

More detailed car insurance information can be read at these sites: