Save on 1998 Lincoln Continental Insurance Rates

Being forced to pay for high-priced auto insurance premiums can dry up your bank account and possibly require you to analyze your spending habits. Doing a price comparison is a fast and free way to make sure you’re not throwing money away.

There is such a variety of auto insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates and find the lowest cost auto insurance.

It’s a good habit to do rate comparisons before your policy renews since insurance prices change regularly. Just because you had the best price on Continental insurance a year ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because you’re about to learn the tricks you need to know to buy cheaper auto insurance.

Locating affordable protection is easy if you know what you’re doing. In a nutshell, everyone who carries car insurance should be able to save money. Nevertheless, car owners do need to understand how insurance companies compete online because it can help you find the best coverage.

Finding car insurance

To find the best car insurance quotes, there are several ways to compare prices from car insurance companies in your area. The best way to comparison shop is to perform an online rate comparison. This is quite simple and can be completed in several different ways.

The fastest and easiest way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do multiple quote forms for every company. One form compares rates from several companies.

A different way to analyze rates requires you to visit the website for each individual company and go through the quote process again. For examples sake, we’ll pretend you want comparison quotes from Allstate, Safeco and Geico. To find out each rate you need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The old school way to compare price quotes is to spend time driving to and from local insurance agencies. The fact that you can get quotes online has reduced the need for local agents unless your situation requires the trained guidance of a local agency. Although you can comparison shop your insurance online but have your policy serviced through an agent.

Compare rates however you want, just ensure you’re using the exact same quote data for each quote you get. If you use unequal deductibles or liability limits it will be next to impossible to make an equal comparison. Just a small difference in limits may result in large price differences. Keep in mind that comparing more company’s prices helps locate a better price.

You may need specialized insurance coverage coverage

When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

• Does my insurance cover a custom paint job?
• What is PIP insurance?
• Where can I find DUI or SR-22 insurance?
• Do I have coverage for damage caused while driving under the influence?
• Will I be non-renewed for getting a DUI or other conviction?
• Does my car insurance cover rental cars?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverage breakdown

Having a good grasp of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like funeral costs, EMT expenses, rehabilitation expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, damage from flooding, damage from a tornado or hurricane, damage from getting keyed and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability

This will cover damages or injuries you inflict on other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, loss of income and bail bonds. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Collision coverage

This pays for damage to your Continental resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, hitting a parking meter, crashing into a building, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.