2000 Lincoln Continental Car Insurance Quotes

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Trust us when we tell you you’re not the only one. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with ads and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Automobile Insurance Quotes

All the larger auto insurance companies give prices for coverage on their websites. This process is quite easy as you just enter your coverage preferences as detailed in the form. After the form is submitted, the system will order reports for credit and driving violations and provides a quote based on these factors. Being able to quote online makes it a lot easier to compare rates but the process of having to visit several different sites and fill out multiple forms is monotonous and tiresome. But it’s very important to compare as many rates as possible if you want to find the lowest auto insurance rates.

A more efficient way to find lower prices utilizes a single form that gets price quotes from multiple companies. The form is fast, eliminates form submissions, and makes price shopping online much more enjoyable. After sending the form, it is quoted and you can choose any one of the pricing results. If the quotes result in lower rates, you simply finish the application and buy the policy. It just takes a couple of minutes and can result in significant savings.

If you want to fill out one form to compare multiple rates now, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you enter your coverages exactly as they are listed on your policy. This ensures you’re receiving a price comparison using the same coverage and limits.

Don’t believe everything you hear

Drivers can’t ignore all the ads for car insurance savings from companies such as State Farm, Allstate and GEICO. They all seem to make an identical promise that you’ll save big if you change your policy.

How do they all say the same thing?

Insurance companies can use profiling for the driver that makes them money. For instance, a profitable customer might be profiled as over the age of 40, has no driving citations, and has a short commute. A driver who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t measure up to the requirements will have to pay higher rates which usually ends up with business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently advertise the way they do. Because of the profiling, you absolutely need to compare as many rates as you can. You cannot predict which insurance coverage company will have the lowest Lincoln Continental insurance rates.

These discounts can slash insurance rates

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so we researched both well-publicized as well as the least known discounts you could be receiving. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Continental coverage than their less cautious counterparts.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
  • Military Discounts – Having a family member in the military can result in better rates.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, insurance companies aren’t that generous.

For a list of companies who offer insurance discounts, click here to view.

When might I need the advice of an agent?

When it comes to choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight whether your personal situation could use an agent’s help.

  • Why am I required to get a high-risk car insurance policy?
  • Am I getting all the discounts available?
  • Am I covered if I wreck a rental car?
  • Is my state a no-fault state?
  • Should I sign the liability waiver when renting a car?
  • Can I afford low physical damage deductibles?
  • Are my friends covered when driving my 2000 Lincoln Continental?
  • Do all my vehicles need collision coverage?
  • Am I better off with higher deductibles on my 2000 Lincoln Continental?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Collision coverages – This coverage pays for damage to your Continental from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense insurance – Coverage for medical payments and/or PIP pay for expenses for rehabilitation expenses, ambulance fees and pain medications. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, damage from flooding and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability – This provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, structural damage, court costs, medical services and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Don’t be a big spender

You just read many ideas to reduce 2000 Lincoln Continental insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the most savings is with a smaller regional carrier. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

Discount insurance can be bought both online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the best price while still protecting your assets.

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