Looking for better auto insurance rates for your Lincoln Continental? Scraping up a payment for overpriced Lincoln Continental insurance can dwindle your personal savings and force you to make sacrifices. Comparison shopping is a smart way to make sure you’re not throwing money away. Big-name insurance companies like Allstate, Progressive and GEICO persitently shower you with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.
It’s important to get comparison quotes once or twice a year due to the fact that insurance rates change regularly. Just because you found the best deal for Continental coverage a few years ago the chances are good that you can find a lower rate today. Don’t believe everything you read about auto insurance online, so by reading this article, you’re going to learn some of the best ways to put money back in your pocket.
Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Certain discounts will be applied when you quote, but some may not be applied and must be specifically requested in order for you to get them. If you aren’t receiving every discount possible, you are throwing money away.
Consumers should know that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will cut your premiums.
Companies that possibly offer these benefits may include but are not limited to:
It’s a good idea to ask each company what discounts are available to you. Some discounts may not apply in every state.
Reducing your 2017 Lincoln Continental insurance rates is surprisingly easy. Drivers just need to spend a little time comparing price quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.
However you get your quotes, double check that you are using identical quote information for each price quote. If your comparisons have differing limits it will be impossible to make an equal comparison.
When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might help in determining whether you would benefit from an agent’s advice.
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.
Understanding the coverages of auto insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages found on most auto insurance policies.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Lincoln Continental.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.
Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision insurance covers things like scraping a guard rail, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.
Coverage for liability – This provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims such as court costs, bail bonds and attorney fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.
Insurance for medical payments – Med pay and PIP coverage provide coverage for bills for hospital visits, pain medications and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as fire damage, falling objects, vandalism and theft. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where an accident victim reduced full coverage and learned later that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at a price you can afford.
The cheapest 2017 Lincoln Continental insurance is available both online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.
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