2018 Lincoln Continental Insurance Rates – 8 Tips for Best Quotes

Searching for cheaper insurance for a Lincoln Continental can be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to quote coverages for a Lincoln and get the lowest possible price from both online companies and local agents.

If you have insurance now or are shopping for new coverage, you can learn to find the best rates while maximizing coverage. Pricing the cheapest insurance can be fairly easy. Drivers just need to know the proper methods to get comparison quotes on the web.

Save with these eight premium-slashing discounts

Companies that sell car insurance don’t necessarily list every discount very clearly, so the list below contains some of the more common and also the lesser-known discounts that may be available.

• Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
• Federal Government Employee – Simply working for the federal government can save as much as 8% for Continental insurance with select insurance companies.
• E-sign – Some insurance companies will give you a small discount shop insurance digitally online.
• One Accident Forgiven – This isn’t a discount exactly, but some companies like Allstate, State Farm and Geico will allow you to have one accident without raising rates if you have no claims before the accident.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Early Switch Discount – Select insurance coverage companies give a discount for switching policies prior to your current policy expiration. This discount can save up to 10%.
• Mature Driver Discount – If you qualify as a senior citizen, you may be able to get a small discount on rates for Continental insurance.
• Homeowners Savings – Just being a homeowner can save a few bucks since owning and maintaining a home is proof that your finances are in order.

As a sidenote, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The best insurance coverage companies and a summarized list of policyholder discounts are shown below.

• State Farm includes discounts for student away at school, passive restraint, Steer Clear safe driver discount, accident-free, multiple policy, good student, and multiple autos.
• American Family has savings for good student, Steer into Savings, air bags, TimeAway discount, defensive driver, and good driver.
• Geico offers premium reductions for driver training, military active duty, federal employee, membership and employees, air bags, seat belt use, and anti-theft.
• 21st Century discounts include good student, anti-lock brakes, 55 and older, defensive driver, early bird, homeowners, and automatic seat belts.
• Progressive policyholders can earn discounts including online quote discount, continuous coverage, multi-vehicle, online signing, multi-policy, homeowner, and good student.

If you need cheaper insurance quotes, ask every insurance company how many discounts you can get. Depending on the company, some discounts might not be offered in your area.

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Do I need special coverages?

When it comes to buying the best insurance coverage coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you would benefit from an agent’s advice.

• Why am I be forced to buy a membership to get insurance from some companies?
• Are my friends covered when driving my car?
• Do I need medical payments coverage since I have good health insurance?
• How do I insure my teen driver?
• Does liability extend to a camper or trailer?
• Can I rent a car in Mexico?
• When should I remove comp and collision on my 2018 Lincoln Continental?
• Is my 2018 Lincoln Continental covered for smoke damage?
• Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Don’t be fooled by advertising claims

Consumers can’t get away from all the ads that claim the lowest prices from companies such as Geico, State Farm and Progressive. They all seem to say the same thing that you can save if you just switch your insurance coverage to their company.

That’s great but how can every company cost less than your current company? Just pay attention to how they say it.

Companies look for specific characteristics for a prospective insured they prefer to insure. For instance, a profitable insured might have to be between the ages of 30 and 50, has had continuous coverage, and has a high credit rating. Anyone who meets those qualifications receives the best prices and will probably save money with a new company.

Potential insureds who cannot meet those criteria will be charged more expensive rates and business going elsewhere. The ads state “drivers that switch” not “all people who quote” save that much money. This is how companies can advertise the way they do. Because of the profiling, drivers must get as many free insurance quotes as possible. Because you never know which insurance companies will have the best premium rates.

Detailed coverages of your auto insurance policy

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Coverage for liability

This will cover damage that occurs to other people or property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, emergency aid, repair costs for stationary objects, structural damage and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This coverage pays for damage to your Continental caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, hitting a parking meter, backing into a parked car, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like funeral costs, rehabilitation expenses, prosthetic devices, pain medications and nursing services. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Lincoln Continental.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, fire damage, damage from flooding, vandalism and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

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Be Smart and Buy Smart

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

Insureds change insurance companies for a number of reasons such as questionable increases in premium, not issuing a premium refund, lack of trust in their agent or even extreme rates for teen drivers. No matter why you want to switch, switching companies can be easier than you think.

Some insurance companies may not have rate quotes online and usually these smaller providers only sell through independent insurance agencies. Cheap 2018 Lincoln Continental insurance can be purchased online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

Much more information about insurance is located at the links below

• Side Impact Crash Tests (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)

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