2001 Lincoln Town Car Insurance Quotes – 7 Ways to Save

Expensive car insurance can dwindle your checking account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to cut your insurance bill. Many auto insurance companies vie for your business, and because of this it can be hard to compare insurance companies to find the best rate

It’s a good habit to get comparison quotes before your policy renews due to the fact that insurance rates are constantly changing. Just because you had the lowest rates on Town Car insurance two years ago there is a good chance you can find better rates now. You can find a lot of wrong information about car insurance on the internet, so by reading this article, you’re going to learn some proven techniques to find cheap car insurance.

If you have a policy now or are looking for a new policy, you can follow these tips to find better prices and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need to know the best way to compare rates on the web.

Policy discounts you shouldn’t miss

Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Most are applied when you quote, but a few need to be asked for in order for you to get them. If you don’t get every credit you deserve, you are paying more than you should be.

  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Town Car insurance than drivers with accidents.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. The good student discount can last up to age 25.
  • Military Rewards – Having a deployed family member can result in better rates.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like you could get a free car insurance policy, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

Companies that may offer these discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. Savings may not apply in every state.

The insurance bait and switch

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as GEICO, State Farm and Progressive. All the companies have a common claim of big savings if you move your policy.

How does each company make almost identical claims?

Different companies are able to cherry pick for the driver that earns them a profit. A good example of a preferred risk could possibly be between the ages of 40 and 55, has no driving citations, and has great credit. Any driver who meets those qualifications will get very good rates and most likely will save when they switch companies.

Drivers who fall outside this ideal profile will be charged a more expensive rate which usually ends up with business not being written. The ads say “drivers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully state the savings.

That is why you need to get as many quotes as possible. Because you never know which insurance companies will provide you with the cheapest Lincoln Town Car insurance rates.

Insurance agents can help

When it comes to choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • What happens if I owe more than my 2001 Lincoln Town Car is worth?
  • Is my nanny covered when driving my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • What are the financial responsibility laws in my state?
  • When should my teen driver be added to my policy?
  • Am I covered when driving in Canada or Mexico?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance coverage options for a Lincoln Town Car

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Liability car insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as bail bonds, medical expenses and loss of income. How much coverage you buy is a personal decision, but buy as much as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses like pain medications, dental work, prosthetic devices, ambulance fees and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, a broken windshield, rock chips in glass and hitting a bird. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Lincoln Town Car.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Collision coverage – Collision coverage covers damage to your Town Car caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Summing up your car insurance search

Cheap 2001 Lincoln Town Car insurance can be bought from both online companies in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

When shopping online for car insurance, it’s very important that you do not reduce needed coverages to save money. In many instances, an insured cut liability coverage limits and learned later that they should have had better coverage. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.

More detailed car insurance information is located at these sites: