Cheap 2018 Lincoln Continental Insurance Quotes

If you’re new to shopping for insurance coverage quotes online, it’s easy to be bewildered thanks to the huge assortment of online insurance coverage companies and websites vying for business.

Get affordable rates with these auto insurance discounts

Auto insurance is easily one of your largest bills, but there could be significant discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but some discounts are required to be specifically requested before they will apply.

  • Government Employee Discount – Simply working for the federal government could provide a small rate reduction on Continental coverage with a few auto insurance companies.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Mature Driver Discount – If you’re over the age of 55, you can possibly qualify for better auto insurance rates on Continental coverage.
  • College Student Discount – Older children who live away from home at college and don’t have a car may be insured at a cheaper rate.
  • Low Mileage – Fewer annual miles on your Lincoln could earn cheaper auto insurancerates.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.

Remember that most discounts do not apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, you’re out of luck.

Insurance companies who may offer many of the previously listed discounts are:

If you want the cheapest insurance coverage quotes, ask every company which credits you are entitled to. All car insurance discounts may not be available in your area.

Insurance coverage can get complicated

When buying the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • Is other people’s property covered if stolen from my vehicle?
  • Is my custom paint covered by insurance?
  • Should I rate my 2018 Lincoln Continental as pleasure use or commute?
  • How much can I save by bundling my policies?
  • If I drive on a suspended license am I covered?
  • Am I better off with higher deductibles on my 2018 Lincoln Continental?
  • Am I covered if I wreck a rental car?
  • Do I need an umbrella policy?
  • Does car insurance cover theft of personal property?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage breakdown

Knowing the specifics of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision – Collision coverage pays for damage to your Continental caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, rolling your car, colliding with another moving vehicle, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Lincoln Continental.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability car insurance – This coverage can cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like bail bonds, repair bills for other people’s vehicles, pain and suffering, medical services and court costs. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, falling objects and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for surgery, hospital visits and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Don’t break the bank

People who switch companies do it for a variety of reasons including high prices, unfair underwriting practices, lack of trust in their agent or even denial of a claim. Whatever your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented some good ideas how you can get a better price on 2018 Lincoln Continental insurance. The key concept to understand is the more companies you get prices for, the higher your chance of finding cheaper insurance coverage. You may even discover the biggest savings come from the least-expected company.

As you restructure your insurance plan, never reduce needed coverages to save money. There are a lot of situations where an insured cut liability limits or collision coverage to discover at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

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