View 1990 Lincoln Continental Insurance Cost

Searching for the cheapest insurance for a new or used Lincoln Continental could be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to price shop coverage on a Lincoln and locate the lowest price from both online companies and local agents.

The fastest way that we advise to get policy rate comparisons is to realize car insurance companies actually pay money for the chance to give you rate quotes. To get started, all you need to do is spend a couple of minutes providing details like how many miles driven, how much education you have, if your license is active, and how your vehicles are used. That rating data is automatically sent to all major companies and they respond with quotes immediately.

To compare multiple company rates now, click here and see if a lower rate is available.

Discounts to lower 1990 Lincoln Continental insurance rates

The price of auto insurance can be rather high, but there could be available discounts that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but some must be manually applied before you will receive the discount. If you’re not getting every credit available, you’re paying more than you need to.

  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Low Mileage – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Defensive Driving Course – Taking a defensive driving course can save you 5% or more if you qualify.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Continental coverage than drivers with accident claims.
  • Homeowners Discount – Being a homeowner can help you save on car insurance because owning a home shows financial diligence.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application on their website.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will reduce your premiums.

To see a list of insurance companies with the best car insurance discounts, follow this link.

Lesser-known factors impacting Lincoln Continental insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to lower auto insurance prices.

  • Pleasure use or commuting – The more you drive in a year the higher your rates will be. The majority of insurers rate vehicles based on how the vehicle is used. Cars that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. An improperly rated Continental may be costing you. Verify your auto insurance policy is showing the correct driver usage, because it can save money.
  • Lower deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Lincoln. Examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more money you’re willing to pay, the lower your rates will be on Continental coverage.
  • A clean driving record saves money – Your driving citation history has a huge affect on how much you pay. Just one speeding ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Safer occupants lowers premiums – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Lincoln scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Don’t buy coverages you don’t need – There are a lot of extra bells and whistles that can waste your money when buying auto insurance. Insurance for roadside assistance, accident forgiveness and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.

Tailor your coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions may help highlight whether you would benefit from professional advice.

  • Do I need more liability coverage?
  • Are my friends covered when driving my 1990 Lincoln Continental?
  • Is motorclub coverage worth it?
  • Where can I find DUI or SR-22 insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • How much liability do I need to cover my assets?
  • Is my 1990 Lincoln Continental covered for flood damage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your insurance policy

Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability auto insurance – Liability coverage will cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as repair costs for stationary objects, attorney fees, court costs, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, dental work, chiropractic care, rehabilitation expenses and hospital visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive protection – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, theft and hail damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision coverage covers damage to your Continental from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle, crashing into a building, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Smart shoppers get results

People change insurance companies for any number of reasons including lack of trust in their agent, poor customer service, policy cancellation and an unsatisfactory settlement offer. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Cheap 1990 Lincoln Continental insurance can be sourced online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice physical damage coverage to discover at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Much more information about insurance coverage is located on the following sites: