Lower Your 1995 Lincoln Continental Insurance Cost

Want lower insurance rates for your Lincoln Continental? When searching for more affordable insurance, are you baffled by the number of insurance companies in your area? Many other people are too. There are so many companies to choose from that it can be more work than you anticipated to compare premium rates.

Insurance coverage quotes comparison

There are several ways of comparing rates from different companies. The best way to lower the rate you pay for 1995 Lincoln Continental insurance consists of obtaining rate quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

• The most recommended method consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate quotes for every prospective company. In just a few minutes this one form will get you price quotes from all major companies. This is by far the quickest method.
• A less efficient way to find lower rates is going to the website for each individual company and go through the quote process again. For example, we’ll pretend you want to see prices from Auto-Owners, Safeco and Allstate. You would be required to spend time on each company’s site to enter your coverage information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
• If you have time to kill, the last method to shop rates is going to each insurance agency near you. Quoting and buying insurance online makes this process obsolete unless you require the trained guidance of a licensed agent. It is possible with some companies comparison shop online and still use a local agent.

It doesn’t matter which method you choose, just make sure you are using equivalent coverage information on every quote. If the quotes have different data it’s impossible to determine the best price for your Lincoln Continental. Just a small difference in insurance coverages or limits may result in a large different in cost. Just keep in mind that comparing more company’s prices helps improve the odds of finding better pricing. Not every company allows you to get online quotes, so it’s necessary to compare quotes from them as well.

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Lower your insurance prices

Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like your driving record, although others are less obvious like your vehicle usage or how financially stable you are.Consumers need to have an understanding of the factors that help determine the price you pay for insurance. If you understand what influences your rates, this allows you to make good choices that can help you get lower insurance prices.

• Premiums drop with age – Mature drivers are shown to be more cautious, tend to file fewer claims and are safer drivers.Teenage drivers have been known to be inattentive when driving with friends and because of this, their insurance rates are much higher.
• Traffic violations are costly – A bad driving record has a big impact on rates. Drivers who don’t get tickets receive lower rates compared to bad drivers. Having just one driving citation could increase your next policy renewal by twenty percent. Drivers who get multiple violations like hit and run, DWI or reckless driving convictions might be required by their state to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
• Lower miles equals lower premium – The more miles you rack up on your Lincoln each year the higher your rate. Most companies rate vehicles based on their usage. Autos left parked in the garage can get a lower rate than cars that get driven a lot. An incorrectly rated Continental may be costing you. It’s always a good idea to double check that your insurance policy states the correct driver usage.
• Liability protection limits should be high – A critical coverage on your policy, liability insurance kicks in when you are responsible for physical damage or personal injury to other. It provides legal defense coverage which can cost a lot. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not cut corners here.
• Filing insurance claims can cost you – Companies award cheaper rates to policyholders who do not file claims often. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
• Save money by eliminating extra coverages – There are quite a few extra bells and whistles that may not really be needed if you aren’t careful. Coverages for personal injury protection, accidental death, and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate them to save money.
• Improve your credit score and save – Having a bad credit history can be a huge factor in determining your rates. So if your credit score is not that good, you may save money insuring your 1995 Lincoln Continental by improving your credit score. Consumers who have very good credit scores tend to file fewer claims and have better driving records as compared to drivers with bad credit.
• Vehicle theft costs us all – Buying a car with an alarm system can save you a little every year. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.

Get lower rates with these insurance coverage discounts

Companies that sell car insurance don’t always advertise their entire list of discounts very clearly, so the following is a list of both well-publicized as well as the least known credits available to lower your premiums when you buy auto insurance online.

• Accident Waiver – but companies like Progressive, Allstate, and Geico will allow you to have one accident before they charge you more for coverage so long as you are claim-free for a certain period of time.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Safety Course Discount – Taking a class that teaches defensive driving techniques may get you a small discount if you qualify.
• Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Continental insurance than their less cautious counterparts.
• Professional Memberships – Being in specific professional or occupational memberships or organizations can get you a small discount on your bill.
• Discounts for New Vehicles – Buying insurance coverage coverage on a new vehicle is cheaper compared to insuring an older model.
• Discount for Home Ownership – Simply owning a home can help you save on insurance coverage since owning and maintaining a home is proof of financial responsibility.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

Insurance companies that have some of the discounts shown above include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

Before you buy a policy, ask all the companies to give you their best rates. A few discounts may not be offered in your area. To see providers with significant discounts, follow this link.

Car insurance can get complicated

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

• When can my company non-renew my policy?
• Does my insurance cover my expensive audio equipment?
• Is business equipment covered while in my vehicle?
• Do I need to file an SR-22 for a DUI in my state?
• Is other people’s property covered if stolen from my vehicle?
• Can my babysitter drive my car?
• Should I drop comprehensive coverage on older vehicles?
• Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

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Car insurance coverage information

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like ambulance fees, funeral costs and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, vandalism, a tree branch falling on your vehicle and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and 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. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto liability

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like court costs, structural damage, emergency aid and funeral expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.

Collision insurance

This coverage covers damage to your Continental resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

A penny earned…

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, high prices and poor customer service. Regardless of your reason for switching companies, finding the right insurance provider is easier than you think.

When shopping online for insurance, never sacrifice coverage to reduce premiums. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible for the lowest cost, not the least amount of coverage.

Budget-friendly insurance is possible from both online companies and from local agencies, and you need to price shop both so you have a total pricing picture. A few companies do not offer online quoting and many times these smaller providers only sell through independent insurance agents.

Other learning opportunities

• A Tree Fell on Your Car: Now What? (Allstate)
• Medical Payments Coverage (Liberty Mutual)
• What is Covered by GAP Insurance? (Allstate)
• Determing Auto Insurance Rates (Geico)
• Child Safety FAQ (iihs.org)

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