1994 Lincoln Continental Insurance Quotes – 9 Ideas for Cheaper Rates

Looking for the cheapest insurance rates for your Lincoln Continental? Finding the cheapest insurance for a new or used Lincoln Continental can be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to find insurance online and we’ll show you the best way to price shop coverage for a Lincoln and locate the lowest possible price either online or from local insurance agents.

Lower rates by qualifying for these nine discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to reduce the price significantly. Certain discounts will be applied at quote time, but some must be asked for before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.

  • Senior Citizens – Mature drivers may be able to get a discount up to 10% for Continental insurance.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Continental insurance depending on your company.
  • Accident Waiver – Certain companies permit an accident before raising your premiums if your claims history is clear for a set time period.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Continental insurance than less cautious drivers.
  • Club Memberships – Participating in a qualifying organization could trigger savings when buying insurance coverage for Continental insurance.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Driver’s Ed – Have your child take driver’s ed class in high school.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared with drivers who are more careless.

It’s important to note that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free insurance coverage policy, companies don’t profit that way. Any amount of discount will cut your premiums.

Insurance companies that may offer these benefits include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts might not apply in your state.

Car insurance is unique, just like you

When buying coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

  • Can I get a multi-policy discount?
  • Am I covered when pulling a rental trailer?
  • Does coverage extend to a rental car in a foreign country?
  • Where can I find high-risk insurance?
  • Exactly who is provided coverage by my policy?
  • Is my cargo covered for damage or theft?
  • How much liability insurance is required?
  • What is an SR-22 filing?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Switch companies and save? Really?

Consumers constantly see and hear ads for car insurance savings by companies like State Farm and Allstate. They all say the same thing of big savings if you change to them.

But how can every company make the same claim?

All companies can use profiling for the type of driver that makes them money. A good example of a profitable customer could be over the age of 50, owns a home, and has a short commute. A driver who matches those parameters will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who fall outside the “perfect” profile will be quoted more money which leads to the customer not buying. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently claim big savings.

This emphasizes why you absolutely need to compare many company’s rates. It’s impossible to know which auto insurance company will give you the biggest savings on Lincoln Continental insurance.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills for pain medications, prosthetic devices, surgery and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants 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. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from getting keyed and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair costs for stationary objects, pain and suffering and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Collision insurance

This coverage covers damage to your Continental from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, 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.

A penny saved is a penny earned

We just covered some good ideas how to reduce 1994 Lincoln Continental insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance comes from a smaller regional carrier.

Lower-priced insurance is available from both online companies and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not offer the ability to get a quote online and these small, regional companies work with independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Additional insurance information is located on the following sites: