Save on 1998 Lincoln Continental Insurance Cost

Searching for cheaper insurance coverage rates for your Lincoln Continental? No one enjoys paying for insurance coverage, especially knowing they are paying too much.

Numerous insurance companies battle for your business, and because of this it can be hard to compare insurers to find the absolute best rates possible.

It’s a good habit to get comparison quotes once or twice a year because insurance rates are usually higher with each renewal. Just because you found the lowest rates on Continental coverage a few years ago you can probably find a lower rate today. Starting right now, forget all the misinformation about insurance coverage because you’re going to get a crash course in one of the easiest ways to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you will most likely be able to save some money using this strategy. Finding affordable coverage is not that difficult. But consumers do need to understand how the larger insurance companies determine prices and apply this information to your search.

Are you getting all your discounts?

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so the following is a list of both well-publicized and the more hidden discounts you could be receiving.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company could earn a price break for each car.
  • Paperless Signup – A handful of insurance companies will give a small break for buying a policy and signing up on their website.
  • Senior Citizens – Mature drivers may receive a discount up to 10% on Continental coverage.
  • Distant Student – Any of your kids living away from home attending college and don’t have a car may qualify for this discount.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • No Claims – Drivers who don’t have accidents can save substantially when compared to bad drivers.
  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Continental coverage than less cautious drivers.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

For a list of insurance companies with discount insurance coverage rates, click here to view.

Lesser-known factors impacting Lincoln Continental insurance rates

Consumers need to have an understanding of the different types of things that help determine the price you pay for insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in big savings.

The following are some of the factors that factor into premiums.

  • Multiple policies with one company can save – Most insurers will award you with lower prices to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. If you currently are using one company, you still need to shop around to ensure the best deal.
  • Being married is a good thing – Having a wife or husband can actually save you money on your insurance policy. Having a spouse is viewed as being more mature and statistics show drivers who are married are more cautious.
  • High deductibles save money – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Lincoln. Examples of covered claims could be colliding with a building, collision with an animal, and windstorm damage. The deductibles are how much you are required to spend before a claim is paid by your company. The more money you’re willing to pay, the lower your rates will be on Continental coverage.
  • Drive less and save money – Driving more miles every year the more you will pay for insurance. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates than those used for commuting. If your policy improperly rates your Continental can result in significantly higher rates. Verify your insurance coverage properly reflects the proper vehicle usage.
  • Don’t let your coverage lapse – Having an insurance coverage lapse is a sure-fire way to pay more for insurance. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a revoked license or a big fine.You may have to file a SR-22 with your state DMV.

When might I need an agent?

When choosing coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. These are some specific questions can aid in determining whether you may require specific advice.

  • Should I carry comprehensive and collision coverage?
  • Am I covered if I wreck a rental car?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need to file an SR-22 for a DUI in my state?
  • Where can I get insurance after a DUI in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my trailer covered?
  • Where can I find DUI or SR-22 insurance?
  • Does having multiple vehicles earn me a discount?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Do drivers who switch really save?

Auto insurance companies such as 21st Century, Allstate and State Farm consistently run television and radio advertisements. They all seem to make an identical promise that you’ll save big if you change to their company. How can each company say the same thing? This is how they do it.

All companies can use profiling for the right customer that is profitable for them. A good example of a profitable customer might be profiled as between the ages of 40 and 55, a clean driving record, and has excellent credit. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who do not match the requirements must pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. This is how companies can make the claims of big savings. This illustrates why drivers should get as many comparisons as possible. Because you never know the company that will have the lowest Lincoln Continental insurance rates.

The coverage is in the details

Having a good grasp of car insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverage types available from car insurance companies.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Lincoln Continental.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, vandalism, fire damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability – This coverage can cover damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people. 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 values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like structural damage, funeral expenses and emergency aid. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Collision – This will pay to fix damage to your Continental resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense coverage – Med pay and PIP coverage kick in for immediate expenses for chiropractic care, doctor visits, X-ray expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

A little work can save a LOT of money

You just read a lot of tips how to get a better price on 1998 Lincoln Continental insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the best prices are with a small local company. They often have lower prices on specific markets than their larger competitors like State Farm, Geico and Nationwide.

Cost effective insurance is possible online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Much more information about auto insurance is available at these links: