Cheaper 2001 Lincoln Continental Insurance Quotes

Want the cheapest insurance coverage rates? Drivers have options when trying to find the lowest priced Lincoln Continental insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to compare rates.

There are more efficient ways to buy insurance coverage and you need to know the best way to price shop coverage on a Lincoln and get the best price possible from both online companies and local agents.

Lincoln Continental insurance rates have many determining factors

An important part of buying insurance is that you know some of the elements that come into play when calculating your auto insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in big savings.

The list below includes some of the items companies use to determine premiums.

  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Lincoln Continental has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Older drivers save more – Older insureds tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Teenage drivers are statistically proven to get distracted easily when behind the wheel therefore auto insurance rates are much higher.
  • Don’t get talked into coverage you don’t need – There are quite a few extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages for rental car reimbursement, accidental death and motor club memberships are examples of these. They may seem good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Your auto insurance rates can be influenced by your job – Did you know that where you work can have an impact on rates? Occupations such as judges, social workers and dentists are shown to have the highest average rates attributed to high stress levels and lots of time spent at work. Other jobs such as farmers, historians and homemakers pay the least for Continental coverage.
  • Don’t let your coverage lapse – Letting your insurance expire is a fast way to pay more for auto insurance. Not only will rates go up, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Proper usage rating affects rates – The higher the mileage driven in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos not used for work or commuting qualify for better rates compared to those used for work or business. If your policy improperly rates your Continental can result in significantly higher rates. Ask your agent if your auto insurance declarations sheet shows the correct usage for each vehicle.

Save with discounts on Lincoln Continental insurance

The cost of insuring your cars can be expensive, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply when you quote, but less common discounts must be requested specifically prior to receiving the credit. If you don’t get every credit available, you are paying more than you should be.

  • Discount for New Cars – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Continental coverage than less cautious drivers.
  • No Accidents – Claim-free drivers pay less compared to accident-prone drivers.
  • E-sign – A few companies will give a small break for buying a policy and signing up online.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Continental coverage with a few insurance coverage companies.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Continental coverage.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. But any discount will cut your premiums.

To see a list of providers with the best insurance coverage discounts, click here.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is business equipment covered while in my vehicle?
  • Is upholstery damage covered by car insurance?
  • Do I need replacement cost coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Which is better, split liability limits or combined limits?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, emergency aid, pain and suffering, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your Continental resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, backing into a parked car, crashing into a ditch, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Lincoln Continental.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, hail damage, damage from getting keyed, theft and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses such as hospital visits, chiropractic care, rehabilitation expenses and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability coverage limits only to regret that it was a big mistake. The ultimate goal is to buy the best coverage you can find at an affordable rate.

We’ve covered many ideas to shop for 2001 Lincoln Continental insurance online. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising.

Cheap insurance can be bought both online and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

More information is available at the links below