1999 Lincoln Continental Insurance Quotes

Consumers have a choice when looking for low-cost Lincoln Continental insurance. They can either waste time driving around to get rate comparisons or use the internet to compare rates. There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the absolute fastest way to price shop coverage on a Lincoln and find the best price possible.

If you have a policy now or are shopping for new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. The purpose of this post is to introduce you to how car insurance quotes work. Drivers just need to know the most efficient way to find the lowest price over the internet.

How to Get Insurance Coverage Comparison Quotes

All the larger insurance coverage companies give prices directly from their websites. Getting online quotes is quite simple as you simply type in your coverage preferences into the quote form. Behind the scenes, their rating system will obtain your driving and credit reports and generates a price based on these factors.

This makes it a lot easier to compare rates but the time it takes to visit multiple sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible if you want to find better prices.

The smarter way to locate the lowest prices is to use a quote form that analyzes rates from a bunch of companies at once. It saves time, eliminates form submissions, and makes rate comparisons much simpler. As soon as the form is sent, your coverage is rated and you are able to buy your choice of the returned quotes. If a lower price is quoted, you can click and sign and buy the new coverage. This process just takes a couple of minutes and you’ll know if lower rates are available.

To save time and compare pricing, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you input the limits and deductibles identical to your current policy. This ensures you will get an apples-to-apples comparison for similar coverage.

Don’t miss out on these money-saving discounts

Car insurance companies do not advertise every discount very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings up to 30%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiring. The savings is around 10%.
  • Low Mileage – Keeping the miles down on your Lincoln can earn a substantially lower rate.
  • One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Distant Student – Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • No Claims – Good drivers with no accidents pay much less compared to bad drivers.
  • 55 and Retired – Mature drivers may qualify for better car insurance rates for Continental insurance.

Consumers should know that some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies that may offer these benefits may include but are not limited to:

Check with each insurance company what discounts are available to you. Some discounts may not apply in every state.

Impacting insurance rates for a Lincoln Continental

It’s important that you understand the different types of things that go into determining the rates you pay for insurance coverage. Understanding what determines base rates enables informed choices that could result in much lower annual insurance costs.

Listed below are a few of the “ingredients” insurance coverage companies consider when setting premiums.

  • Do you know your deductibles? – Physical damage deductibles represent how much money you are required to spend before your insurance coverage pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The higher the amount you’re willing to pay, the less your company will charge you for insurance for Continental insurance.
  • Never let your coverage lapse – Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Do you need those extra coverages? – There are a ton of additional coverages that can waste your money on your insurance coverage policy. Insurance for personal injury protection, accident forgiveness and term life insurance are some examples. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Liability coverage is cheap – The liability section of your policy will protect you if you are found to be at fault for damages caused by your negligence. It will provide legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Save money with special equipment – Driving a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • Discounts for married couples – Being married helps lower the price on your policy. It translates into being more mature and responsible and statistics show married couples file fewer claims.
  • One company can mean more discounts – Many insurance companies will award you with lower prices to customers who carry more than one policy such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even if you’re getting this discount you still need to comparison shop to ensure the best deal. You may still find a better deal by insuring with multiple companies.
  • Where do you drive? – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based on their usage. Cars not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your insurance coverage declarations sheet shows the correct usage for each vehicle. Incorrect usage on your Continental can cost quite a bit.

Do I need special coverages?

When buying adequate coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your situation might need an agent’s assistance.

  • How do I insure my teen driver?
  • How can I get my company to pay me more for my totalled car?
  • Can I get a multi-policy discount?
  • How much liability insurance is required?
  • Do I have coverage when using my vehicle for my home business?
  • Should I waive the damage coverage when renting a car?
  • Should I buy only the required minimum liability coverage?
  • Do I need rental car coverage?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

The insurance bait and switch

Consumers can’t ignore all the ads for the lowest price auto insurance by State Farm, Geico and Progressive. They all seem to say the same thing of big savings if you move to their company.

How can each company make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of driver they prefer to insure. An example of a profitable customer could be a mature driver, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who fits that profile receives the best rates and therefore will save when switching.

Consumers who don’t qualify for the “perfect” profile must pay higher rates and ends up with the customer not buying. The ads say “drivers who switch” not “people who quote” save that much. That is how insurance companies can confidently make the claims of big savings. This illustrates why drivers should get quotes from several different companies. It’s not possible to predict which insurance companies will provide you with the cheapest Lincoln Continental insurance rates.

Insurance coverage options for a Lincoln Continental

Understanding the coverages of insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

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

Collision can pay for things like sideswiping another vehicle, backing into a parked car, rolling your car, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, a tree branch falling on your vehicle and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – Liability coverage will cover damage that occurs to a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like legal defense fees, bail bonds, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills like doctor visits, funeral costs and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Quote often and quote early

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, policy cancellation, an unsatisfactory settlement offer and even delays in paying claims. Whatever your reason, finding the right insurance coverage provider is easier than you think.

Cost effective 1999 Lincoln Continental insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not offer online quoting and these small insurance companies work with independent agents.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best price, not the least amount of coverage.

Much more information about insurance coverage can be found on the following sites: