1996 Lincoln Continental Insurance Cost – 9 Discounts for Cheapest Prices

Want lower car insurance rates for your Lincoln Continental? Are you confused by the crazy number of car insurance options? Lot’s of other consumers are too. Consumers have so many companies to choose from that it can easily become a real hassle to find the perfect company for you.

Buying car insurance is not that difficult. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. Nevertheless, car owners must learn how insurance companies sell insurance online and use this information to your advantage.

How to Compare Insurance Coverage Costs

There are a lot of ways you can shop for insurance coverage but there is one way that is less labor-intensive and much quicker. You could waste time driving to local insurance agents in your area, or you can utilize online quotes for quick rates.

Many insurance companies are enrolled in a marketplace that enables customers to send in one quote, and each participating company returns a rated price based on the submitted data. This eliminates the need for quote forms for each company.

To submit your quote information now, click here to open in new window.

One minor caviat to pricing coverage this way is you cannot specify which insurance companies to get pricing from. If you would rather choose individual companies to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using identical deductibles and coverage limits for every company. If your comparisons have mixed coverages you will not be able to make a fair comparison for your Lincoln Continental. Slightly different coverages can result in a big premium difference. And when price shopping your coverage, more quotes will increase your chances of finding a better price.

Policy discounts you shouldn’t miss

Auto insurance companies don’t list every available discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden ways to save on insurance coverage.

  • Paperwork-free – A handful of insurance companies give back up to $50 just for signing your application on their website.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because maintaining a house requires personal responsibility.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
  • Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.

It’s important to note that most discount credits are not given to all coverage premiums. Most cut individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

Insurance companies that possibly offer these discounts include:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not be available everywhere.

Insurance agents can help

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions can aid in determining whether your personal situation may require specific advice.

  • How many claims can I have before being cancelled?
  • Is business property covered if stolen from my car?
  • Does my 1996 Lincoln Continental qualify for pleasure use?
  • Do I pay less for low miles?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need more liability coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Misconceptions in car insurance advertisements

Allstate, Geico and Progressive consistently run ads on TV and radio. All the companies have a common claim that you’ll save big if you change to their company. But how can every company make almost identical claims?

Different companies are able to cherry pick for the type of driver that makes them money. An example of a profitable customer could possibly be between 25 and 40, is a homeowner, and has excellent credit. Any driver who matches those parameters is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Consumers who fall outside these standards will be charged a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save money. That is how insurance companies can state the savings. That is why it is so important to get quotes from several different companies. It is impossible to predict which company will give you the biggest savings on Lincoln Continental insurance.

Insurance coverage options for a Lincoln Continental

Learning about specific coverages of your insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 Lincoln Continental.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from flooding and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for bills for things like chiropractic care, surgery, EMT expenses, pain medications and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people, 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 commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as medical services, pain and suffering, funeral expenses and court costs. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Collision coverages – This coverage covers damage to your Continental resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, hitting a mailbox, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Quote often and quote early

Drivers switch companies for many reasons like questionable increases in premium, poor customer service, high prices or high rates after DUI convictions. Regardless of your reason for switching companies, finding a new company is less work than it seems.

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. In too many instances, an insured cut full coverage and learned later they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at an affordable rate.

We just presented many ways to reduce 1996 Lincoln Continental insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the biggest savings come from the smaller companies.

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