How Much Does 1997 Lincoln Continental Insurance Cost?

Trying to find better insurance coverage rates for your Lincoln Continental? Paying for high-priced Lincoln Continental insurance can overdraw your savings account and put a big crunch on your finances. Shopping your coverage around is a great way to slash your bill and have more diposable income. Consumers have many auto insurance companies to choose from, and even though it’s nice to have a selection, lots of choices makes it harder to find a good deal.

It’s a great practice to price shop coverage once or twice a year due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you got the best rates on Continental coverage on your last policy you may be paying too much now. Ignore everything you know about insurance coverage because we’re going to demonstrate the best methods to eliminate unnecessary coverages and save money.

Insurance Prices

There are a lot of ways to compare insurance quotes, but some are easier and takes less work. You can waste hours talking about coverages with agents in your area, or you can utilize the internet to get rates in a matter of minutes.

Many companies belong to a marketplace that enables customers to only type in their quote data once, and every company returns a rated price based on the submitted data. This saves time by eliminating quotation requests to each individual insurance company.

To compare 1997 Lincoln Continental rates using this form now click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose which carriers you want pricing from. So if you prefer to choose specific providers to request quotes from, we put together a list of low cost insurance companies in your area. View list of insurance companies.

Whichever method you choose, compare the exact same quote information for every company. If you are comparing mixed coverages it’s impossible to truly determine the lowest rate.

Be sure to get all your discounts

Insuring your fleet can be pricey, but you may find discounts that you may not know about. Some discounts apply automatically at quote time, but a few need to be asked for before you will receive the discount. If you’re not getting every credit available, you are paying more than you should be.

  • Low Mileage Discounts – Keeping the miles down on your Lincoln can qualify you for better rates on cars that stay parked.
  • Bundle and Save – If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Paperless Signup – Certain companies may give you up to $50 simply for signing online.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Continental coverage than drivers with accidents.

Consumers should know that some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you can get free auto insurance, car insurance companies aren’t that generous. Any qualifying discounts will reduce the cost of coverage.

To see a list of providers with the best car insurance discounts, follow this link.

How do I know if I need professional advice?

When buying the right insurance coverage, there really is not a single plan that fits everyone. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

  • Should I bundle my homeowners policy with my auto?
  • Does coverage extend to my business vehicle?
  • Do I need an umbrella policy?
  • Is rental equipment covered for theft or damage?
  • Do I need added coverage for expensive stereo equipment?
  • What exactly is covered by my policy?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists 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.

Due to the fact that 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 important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

This coverage will pay to fix damage to your Continental resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, crashing into a ditch, backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, 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 limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical services, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers things like a broken windshield, theft, hail damage, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for things like ambulance fees, chiropractic care, doctor visits, dental work and EMT expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage