2000 Lincoln LS Insurance Rates – 5 Tricks for Cheapest Quotes

Having to pay for overpriced Lincoln LS insurance can diminish your accounts and require stricter spending habits. Performing a rate comparison is a smart way to lower your monthly bill.

Popular companies such as Geico, Farmers Insurance and State Farm promote their brand names with TV and radio ads and consumers find it hard to see through the deception and take the time to shop coverage around.

You should make it a habit to quote other rates periodically since prices go up and down regularly. Just because you found the lowest price on LS coverage a few years ago there may be better deals available now. Forget all the misinformation about insurance because we’re going to demonstrate the tricks you need to know to reduce your cost while improving coverage.

How to compare car insurance price quotes

Finding a better price on car insurance can be surprisingly simple. All that’s required is to take a couple of minutes getting comparison quotes to find the company with affordable insurance coverage quotes. This is very easy and can be done using a couple different methods.

1. One of the best ways to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for boring form submissions for every prospective company. A single form will get you price quotes direct from many companies.
2. A more difficult way to find lower rates requires a visit to each company website and complete a new quote form. For example, let’s assume you are doing a rate comparison from Geico, Liberty Mutual and Allstate. In order to get each rate, you would have to spend time going to each site individually and repeatedly type in your coverage information, which is why first method is reommended.

   To view a list of companies in your area, click here.

3. The hardest way to compare price estimates is driving around to insurance agencies in your area. The ability to quote online has made agencies unnecessary unless your situation requires the advice and guidance that only an agent can give. It is possible to find lower rates online but have a local agent actually write the policy.

Whichever way you use, do your best to use the same quote information for each comparison quote. If you have different limits and deductibles on each one it’s not possible to get a fair rate comparison.

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Car insurance discounts help reduce rates

Some insurance providers don’t always publicize every available discount in a way that’s easy to find, so here is a list both the well known and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

• Club Memberships – Participating in a professional or civic organization may earn a discount on your policy.
• Online Discount – A few larger online companies may give you up to $50 for buying a policy and signing up on the web.
• Driving Data Discount – People who choose to allow driving data collection to monitor where and when they drive by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they show good driving skills.
• No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance coverage quote compared to insureds who have frequent claims or accidents.
• Theft Deterent Discount – Cars that have factory anti-theft systems can help prevent theft and will qualify for a discount on a insurance coverage quote.

A quick disclaimer, many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts should help lower your overall bill.

A few popular companies and some of the premium reductions they offer are shown below.

• State Farm may include discounts for student away at school, passive restraint, defensive driving training, Drive Safe & Save, accident-free, and good student.
• American Family has savings for early bird, TimeAway discount, defensive driver, good driver, Steer into Savings, and accident-free.
• Geico offers discounts for multi-policy, federal employee, air bags, membership and employees, and seat belt use.
• 21st Century policyholders can earn discounts including theft prevention, air bags, early bird, driver training, good student, and 55 and older.
• Progressive discounts include online signing, online quote discount, good student, homeowner, and continuous coverage.

When quoting, ask each insurance company which discounts can lower your rates. Discounts may not be available in your area. To choose car insurance companies that can offer you the previously mentioned discounts, click here to view.

Which is the best auto insurance?

When buying proper insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

• If my 2000 Lincoln LS is totaled, can I afford another vehicle?
• Why am I required to get a high-risk car insurance policy?
• What is medical payments coverage?
• Am I covered when driving someone else’s vehicle?
• Is my ex-spouse still covered by my policy?
• Is my 2000 Lincoln LS covered for flood damage?
• Exactly who is provided coverage by my policy?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Insurance coverage basics

Having a good grasp of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Auto collision coverage

This coverage will pay to fix damage to your LS resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, colliding with a tree, crashing into a ditch, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability coverage can cover damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims such as court costs, structural damage, repair bills for other people’s vehicles, medical expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, chiropractic care, X-ray expenses, pain medications and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2000 Lincoln LS.

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 a good idea.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. 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, hail damage and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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Save your cold hard cash

Affordable 2000 Lincoln LS insurance is available on the web and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money. A few companies may not offer price quotes online and many times these regional carriers provide coverage only through local independent agencies.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. In many instances, drivers have reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best cost and still be able to protect your assets.

Additional information

• Collision Coverage (Liberty Mutual)
• Auto Theft Statistics (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)

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