Searching for lower insurance coverage rates for your Lincoln Continental? Are you a victim of high-priced insurance coverage? Believe me when I say you are not the only one feeling buyer’s remorse.
Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest cost out there.
Smart consumers take time to shop coverage around on a regular basis because prices change frequently. Just because you found the best deal on Continental insurance last year the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about insurance coverage online, so we’re going to give you some great ideas on how to buy insurance coverage cheaper.
Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so we break down some of the best known and also the lesser-known savings tricks you should be using.
It’s important to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.
For a list of insurance companies offering insurance discounts, click here.
The best way to compare insurance rates in your area is to take advantage of the fact most larger insurance companies allow for online access to give you rate quotes. The one thing you need to do is give them some information like if a SR-22 is needed, if the vehicle is leased, whether you have decent credit, and how much education you have. The rating information is submitted instantly to all major companies and they provide comparison quotes almost instantly.
To find lower rates now, click here then complete the form.
When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might point out whether or not you could use an agent’s help.
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Understanding the coverages of a auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most auto insurance policies.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Lincoln Continental.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Collision coverages – This coverage covers damage to your Continental resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like backing into a parked car, sustaining damage from a pot hole, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like funeral costs, hospital visits, chiropractic care, ambulance fees and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability car insurance – This coverage protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.
Liability can pay for claims such as bail bonds, funeral expenses, legal defense fees, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects, fire damage, hitting a deer and vandalism. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
When shopping online for auto insurance, you should never skimp on coverage in order to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
Affordable 1997 Lincoln Continental insurance can be purchased from both online companies and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
More tips and info about auto insurance can be read by following these links: