Lower Your 2001 Lincoln Continental Insurance Quotes

Trying to find the cheapest insurance for a Lincoln Continental can turn out to be difficult, but you can learn the following methods to save time.

There are both good and bad ways to find car insurance online and you need to know the absolute fastest way to price shop coverage on a Lincoln and get the lowest price either online or from local insurance agents.

The quickest method to compare rate quotes takes advantage of the fact most of the bigger providers pay for the opportunity to compare rate quotes. The only thing you need to do is give them rating details including types of safety features, your general credit rating, the make and model of your vehicles, and whether or not you need a SR-22. The data is instantly provided to insurance carriers in your area and they respond with quotes almost instantly.

To start a rate quote now, click here and enter your coverage details.

Insurance coverage policy discounts

Companies that sell car insurance don’t always list all disounts in a way that’s easy to find, so we researched both well-publicized and also the more inconspicuous credits available to bring down your rates. If they aren’t giving you every credit available, you’re paying more than you need to.

• Waiver for an Accident – Not a discount per se, but some companies like State Farm, Progressive and Geico allow you one accident before hitting you with a surcharge if you have no claims before the accident.
• Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on Continental coverage than their less cautious counterparts.
• Anti-lock Brake System – Cars and trucks that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
• Data Collection Discounts – Policyholders that allow their company to study vehicle usage by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they are good drivers.
• Discount for New Cars – Insuring a new car can cost up to 25% less since newer models have better safety ratings.
• Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
• Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky.

A few popular companies and some of the discounts are included below.

• Geico may include discounts for defensive driver, anti-theft, five-year accident-free, daytime running lights, seat belt use, membership and employees, and driver training.
• MetLife discounts include accident-free, multi-policy, claim-free, good driver, and defensive driver.
• Progressive may have discounts that include online quote discount, online signing, multi-vehicle, continuous coverage, homeowner, good student, and multi-policy.
• Travelers policyholders can earn discounts including payment discounts, new car, home ownership, driver training, save driver, good student, and continuous insurance.
• SAFECO offers premium reductions for accident prevention training, homeowner, multi-car, drive less, and anti-theft.
• AAA offers discounts for good driver, education and occupation, multi-car, pay-in-full, anti-theft, AAA membership discount, and multi-policy.

Double check with every prospective company the best way to save money. Savings may not be available in your area. If you would like to view insurers with discount insurance coverage rates, click here to view.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

• Is a blown tire covered by insurance?
• Is my state a no-fault state?
• Do I need medical payments coverage since I have good health insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I pay less for low miles?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Where can I find DUI or SR-22 insurance?
• I have health insurance so do I need medical payments coverage?
• Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision protection

This pays for damage to your Continental resulting from colliding 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 coverage pays for claims such as hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, damage from getting keyed and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses like hospital visits, X-ray expenses, rehabilitation expenses and pain medications. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability insurance

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as pain and suffering, funeral expenses, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Continental.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages do not exceed the liability coverage limits.