1993 Lincoln Continental Insurance Rates – 9 Ideas for Cheapest Quotes

Looking for better car insurance rates for your Lincoln Continental? Overpriced Lincoln Continental insurance can overdraw your checking account and put a big crunch on your finances. Shopping your coverage around is a great way to cut your insurance bill.

Many car insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies and get the definite lowest cost out there.

You should take the time to shop coverage around before your policy renews due to the fact that insurance rates go up and down regularly. Even if you think you had the lowest price for Continental coverage six months ago you will most likely find a better rate today. So just forget all the misinformation about car insurance because you’re going to get a crash course in the only way to lower your annual insurance bill.

How to Compare Insurance Coverage Costs

There are a variety of methods to compare 1993 Lincoln Continental insurance coverage prices but there is one way that is less time-consuming than others. You could spend your day talking about coverages with insurance companies in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Most major companies participate in an industry program where prospective buyers submit one quote, and each participating company can provide price quotes based on the submitted data. This prevents consumers from doing repetitive form submissions to every company.

To participate in this free quote system, click here (opens in new window).

The one downside to using this type of system is buyers cannot specifically choose the insurers to get pricing from. If you wish to select specific providers to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, be sure to compare the exact same coverages for each comparison quote. If each company quotes different limits and deductibles on each one it will be very difficult to determine which rate is truly the best. Just a small difference in limits may cause a big price difference. Keep in mind that getting more free quotes will increase your chances of finding lower pricing.

Save on 1993 Lincoln Continental insurance

Companies offering auto insurance don’t necessarily list all their discounts very well, so here is a list both well-publicized and the more hidden insurance coverage savings.

  • Senior Citizens – Older drivers may be able to get reduced rates for Continental coverage.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance coverage policy can get a discount on all vehicles.
  • Safe Drivers – Insureds without accidents may save up to 50% more for Continental coverage than less cautious drivers.
  • E-sign – A handful of insurance companies give back up to $50 just for signing your application online.
  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up if you are claim-free for a set time period.
  • New Car Discount – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Homeowners Discount – Simply owning a home can help you save on insurance coverage because maintaining a house requires personal responsibility.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck.

For a list of providers who offer insurance coverage discounts, click this link.

Tailor your coverage to you

When buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I put collision coverage on all my vehicles?
  • If my 1993 Lincoln Continental is totaled, can I afford another vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when driving on a suspended license?
  • Is my 1993 Lincoln Continental covered for smoke damage?
  • How many claims can I have before being cancelled?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverages

Understanding the coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from auto insurance companies.

Coverage for liability

This will cover damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, legal defense fees, pain and suffering, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, backing into a parked car, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Lincoln Continental.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like ambulance fees, EMT expenses and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, damage from a tornado or hurricane, falling objects and a broken windshield. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Make a quick buck

Discount 1993 Lincoln Continental insurance can be sourced online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

When trying to cut insurance costs, you should never reduce needed coverages to save money. In too many instances, an insured cut uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.

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