View 2017 Lincoln Continental Insurance Quotes

Buyers have lots of choices when searching for low-cost Lincoln Continental insurance. They can either waste time driving around getting price quotes or save time using the internet to find the lowest rates. There is a better way to buy insurance coverage so we’re going to tell you the absolute fastest way to compare rates for your Lincoln and locate the best price possible from local insurance agents and online providers.

It’s smart to get comparison quotes every six months since insurance rates fluctuate regularly. Even if you think you had the lowest premium rates on Continental insurance last year there may be better deals available now. There is too much inaccurate information about insurance coverage online but you can learn some proven techniques to reduce your insurance coverage bill.

The cheapest insurance

Getting a cheaper price on 2017 Lincoln Continental insurance can be surprisingly simple. The only requirement is to spend a little time getting comparison quotes to find out which insurance company has low cost insurance quotes. This can easily be done in several different ways.

The most recommended method to find low rates is to use a rate comparison form like this one (opens in new window). This quick form saves time by eliminating separate quotes for each price estimate. In just a few minutes this one form gets prices estimates from several companies.It’s the quickest way to get rates.

A more time consuming way to shop for insurance online requires visiting the website for every company you want to comare and complete a new quote form. For examples sake, we’ll assume you want to compare Allstate, Progressive and Travelers. To get each rate you have to navigate to each company’s site and type in your information over and over, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

The least efficient and most time consuming method to get rate quotes is driving to insurance agents’ offices. Comparing rates online has reduced the need for local agents unless you have a need for the peace of mind that only an agent can give. If you prefer, some companies allow you to comparison shop online but have a local agent actually write the policy.

You can choose any of those ways to find more affodable coverage, but do your best to use identical quote information on every quote. If you use different deductibles it will be impossible to find the best deal for your Lincoln Continental.

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Are insurance companies telling the truth?

Consumers can’t ignore all the ads for insurance savings from the likes of Geico, State Farm and Progressive. All the companies advertise the message that drivers will save a bundle if you change to their company.

It sounds good, but how can they all give you a better price? It’s all in the wording.

Insurance companies have specific characteristics for the type of driver that will be a good risk. An example of a preferred risk might be described as a mature driver, has no tickets, and does not commute to work. A customer who meets those qualifications may get the lowest prices and will cut their rates substantially.

People who do not match the “perfect” profile may receive higher premium rates and this can result in business going elsewhere. The wording the ads use say “drivers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way companies can make those statements. Because each company has a different risk profile, you should compare many company’s prices. It’s not possible to predict the company that will be your best fit.

Informed consumers save more

Many factors are considered when you get a price on insurance. Some are obvious such as your driving record, although some other factors are less obvious like your continuous coverage and annual miles driven.

• Safer cars cost less to insure – Vehicles that have high safety ratings are cheaper to insure. Highly rated vehicles have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims passed on to you as lower rates.
• Car insurance policy lapses increase car insurance rates – Not having insurance is against the law and you may have a hard time finding new coverage because you let your insurance lapse. In addition to paying higher rates, failure to provide proof of insurance could result in a license revocation or jail time.
• Higher premiums for tough vocations – Did you know your car insurance rates can be affected by your occupation? Careers such as real estate brokers, executives and miners tend to pay higher rates than the rest of us in part from intense work situations and extremely grueling work hours. On the other hand, careers like professors, engineers and the unemployed pay lower than average rates on Continental insurance.
• Lower rates come with age – Older, more experienced drivers are proven to be safer behind the wheel, file fewer claims and get fewer tickets.Teenage drivers are proven to be inattentive in a vehicle so they pay higher car insurance rates.
• Liability coverage – Liability coverage is the protection in the event that you are found to be at fault for causing damage or personal injury in an accident. This coverage provides for a legal defense starting from day one. It is affordable coverage when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
• More than one policy can earn a discount – Lots of insurers will give a discount to clients who consolidate policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to shop around to help guarantee you have the best rates.There is a chance you can find better rates by splitting coverages up.
• Costs are affected by your address – Having an address in less populated areas can be a good thing when talking about car insurance. Less people living in that area means less chance of accidents in addition to fewer liability claims. City drivers have to deal with more road rage incidents and longer commute times. Spending more time driving can result in more accidents.

Car Insurance Discounts

Companies offering auto insurance do not list all disounts in a way that’s easy to find, so we break down both the well known and the harder-to-find credits that you can use to lower your rates.

• Data Collection Discounts – Drivers who elect to allow their insurance company to look at driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they are good drivers.
• One Accident Forgiven – This one isn’t a discount, but a few companies such as State Farm and Allstate will let one accident slide without getting socked with a rate hike so long as you are claim-free for a specific time period.
• Homeowners Discount – Owning your own home or condo may trigger a policy discount on car insurance because maintaining a house shows financial diligence.
• Club Memberships – Affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your bill.
• Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% on Continental insurance depending on your company.
• Responsible Driver Discount – Insureds without accidents could pay up to 40% less on Continental insurance as compared to drivers with claims.
• Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
• Buy New and Save – Insuring a new car can save you some money because new vehicles keep occupants safer.
• Service Members Pay Less – Having a family member in the military can result in better premium rates.

Don’t be shocked that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think adding up those discounts means a free policy, you aren’t that lucky.

The best car insurance companies and some of their more popular discounts are detailed below.

• State Farm has discounts for multiple policy, anti-theft, multiple autos, safe vehicle, good student, passive restraint, and Drive Safe & Save.
• Geico may include discounts for seat belt use, membership and employees, good student, driver training, air bags, and federal employee.
• Allstate may have discounts that include eSmart discount, passive restraint, senior citizen, new car, teenSMART discount, and 55 and retired.
• SAFECO discounts include drive less, teen safety rewards, teen safe driver, safe driver, and anti-theft.
• Farm Bureau offers discounts including youthful driver, driver training, multi-policy, multi-vehicle, and renewal discount.
• Progressive offers premium reductions for homeowner, multi-vehicle, good student, online signing, online quote discount, continuous coverage, and multi-policy.
• AAA policyholders can earn discounts including pay-in-full, AAA membership discount, good driver, anti-theft, and multi-car.

When quoting, ask each insurance company to give you their best rates. All car insurance discounts might not apply in every state.

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Tailor your auto insurance coverage to you

When choosing coverage, there is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help you determine whether or not you might need professional guidance.

• When would I need rental car insurance?
• Are my friends covered when driving my 2017 Lincoln Continental?
• Is my teen driver covered when they drive my company car?
• How high should my medical payments coverage be?
• Are rock chip repairs covered?
• Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance – This provides protection from damage or injury you incur to people or other property. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as court costs, medical services and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, hail damage and hitting a deer. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like doctor visits, prosthetic devices and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays for damage to your Continental caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, crashing into a building, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Make a quick buck

Some insurance providers don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through independent agents. Low-cost 2017 Lincoln Continental insurance can be found both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates.

Drivers leave their current company for any number of reasons including delays in paying claims, an unsatisfactory settlement offer, high prices and delays in responding to claim requests. Regardless of your reason for switching companies, finding a new insurance company can be easier than you think.

Throughout this article, we presented many ideas to save on 2017 Lincoln Continental insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from the smaller companies.

For more information, feel free to browse the resources below:

• Winter Driving (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)

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