View 2000 Lincoln Continental Car Insurance Quotes

Searching for affordable car insurance over the internet may be rather challenging for consumers not familiar with shopping for insurance online. With dozens of online companies, how can drivers have a chance to compare every company to locate the best available rates?

Buying car insurance is not that difficult. If you currently have car insurance, you should be able to save some money using this strategy. But drivers can benefit by having an understanding of how insurance companies sell insurance online and use this information to your advantage.

What determines your Lincoln Continental insurance premium

Consumers need to have an understanding of some of the elements that go into determining insurance rates. When you know what positively or negatively influences your rates enables informed choices that will entitle you to better insurance rates.

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

  • With age comes lower rates – Teen drivers are statistically proven to be more careless when driving so insurance rates are higher. Having to add a teen driver onto a policy can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • An active claims history can cost you – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies generally give cheaper rates to insureds who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
  • Better credit scores mean better rates – Your credit rating is a important factor in your rate calculation. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. If your credit rating can use some improvement, you could potentially save money when insuring your 2000 Lincoln Continental by improving your credit score.
  • Liability coverage is cheap – Liability insurance provides coverage if you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • More miles equals more premium – The higher the mileage driven every year the higher your rates will be. Almost all companies rate vehicles based on how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. Having the wrong rating on your Continental may be wasting your money. Double check that your insurance declarations sheet shows the correct usage for each vehicle.

Save with discounts on 2000 Lincoln Continental insurance

Companies don’t necessarily list all available discounts very well, so we researched some of the more common and the harder-to-find discounts you could be receiving.

  • Clubs and Organizations – Affiliation with certain professional organizations may earn a discount when shopping for insurance for Continental insurance.
  • Homeowners Discount – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Driver Safety – Taking a defensive driving course could save 5% or more if your company offers it.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Bundle and Save – When you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.

It’s important to understand that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

Insurance companies that possibly offer these money-saving discounts include:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts may not be available in your area.

Tailor your coverage to you

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

For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • What exactly is covered by my policy?
  • What is the ISO rating for a 2000 Lincoln Continental?
  • Does my insurance cover a custom paint job?
  • What if I don’t agree with a claim settlement offer?
  • Does having multiple vehicles earn me a discount?
  • What is medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage information

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage covers damage to your Continental caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, driving through your garage door, backing into a parked car, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for rehabilitation expenses, prosthetic devices, pain medications, dental work and doctor visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Continental.

Since a lot of 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.

Liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as legal defense fees, pain and suffering and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, a broken windshield, hitting a bird, damage from a tornado or hurricane and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Never pay more for less

The cheapest 2000 Lincoln Continental insurance can be found both online as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance providers don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

You just read a lot of information how to compare insurance prices online. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with the smaller companies.

Insureds who switch companies do it for many reasons like policy non-renewal, being labeled a high risk driver, delays in responding to claim requests and unfair underwriting practices. Whatever your reason, finding a great new company is actually quite simple.

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