1995 Lincoln Continental Insurance Rates – 8 Ideas for Cheaper Quotes

Searching for the cheapest insurance coverage rates? Consumers have a choice when looking for affordable Lincoln Continental insurance. They can either waste time calling around to get rate comparisons or use the internet to make rate comparisons.

There are both good and bad ways to shop for insurance coverage so you’re going to learn the proper way to price shop coverage for a new or used Lincoln and find the best price possible either online or from local insurance agents.

It’s smart to check insurance coverage prices occasionally because insurance rates change frequently. Even if you think you had the best deal on Continental insurance on your last policy you may be paying too much now. Don’t believe everything you read about insurance coverage online, so we’re going to give you a bunch of ideas how to find affordable insurance coverage.

The easiest way to compare insurance rates in your area is to know car insurance companies participate in a system to give rate comparisons. All consumers are required to do is take a few minutes to give details including the make and model of your vehicles, how much coverage you want, if you’re married, and if you went to college. That information is sent automatically to multiple different insurance companies and they return quotes within a short period of time.

To compare rates now, click here and enter the information requested.

Car insurance is unique, just like you

When it comes to buying the best insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions can aid in determining if your situation might need professional guidance.

  • Are rock chip repairs covered?
  • Does coverage extend to a rental car in a foreign country?
  • Is a blown tire covered by insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I better off with higher deductibles on my 1995 Lincoln Continental?
  • Why do I need rental car insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will my insurance pay for OEM parts?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Auto insurance specifics

Knowing the specifics of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses for things like dental work, X-ray expenses, surgery, funeral costs and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This will pay to fix damage to your Continental resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a mailbox, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a bird and vandalism. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Continental.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability insurance

This coverage provides protection from damage that occurs to people or other property that is your fault. It protects you from legal claims by others. Liability doesn’t 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 values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like emergency aid, legal defense fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.