Compare 1991 Lincoln Continental Insurance Cost

Tired of scraping the payment together to pay your auto insurance bill each month? Your situation is no different than most other vehicle owners. Insurance companies such as State Farm, Progressive and GEICO persitently shower you with TV and radio ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

Get cheap car insurance with discounts

Companies that sell car insurance do not advertise all available discounts very clearly, so the below list has a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
  • Student Discounts – Being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
  • Accident Free – Insureds with no claims or accidents get the best car insurance rates in comparison to drivers with a long claim history.
  • Driving Data Discount – Drivers who elect to allow companies to study vehicle usage by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if they show good driving skills.
  • Distant College Student Discount – Youth drivers who live away from home to go to college and don’t have a car could get you a discount.
  • Discount for Swiching Early – A few larger companies offer discounts for renewing your policy prior to your current policy expiration. It’s a savings of about 10%.
  • Discount for Low Mileage – Fewer annual miles on your Lincoln may enable drivers to earn substantially lower rates.
  • 55 and Retired – If you’re over the age of 55, you can get better car insurance rates for Continental insurance.
  • Military Discounts – Being on active deployment in the military may lower your prices slightly.
  • Defensive Driving Course – Completing a course in defensive driving is a good idea and can lower rates if your company offers it.

As a footnote on discounts, many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

A list of companies and the discounts they provide are outlined below.

  • State Farm offers discounts for multiple policy, anti-theft, Drive Safe & Save, student away at school, driver’s education, passive restraint, and accident-free.
  • Liberty Mutual has discounts for multi-car, good student, exclusive group savings, multi-policy, newly retired, teen driver discount, and new vehicle discount.
  • American Family includes discounts for TimeAway discount, Steer into Savings, bundled insurance, early bird, good driver, and multi-vehicle.
  • Progressive has savings for multi-policy, online signing, online quote discount, homeowner, good student, and multi-vehicle.
  • Farmers Insurance may include discounts for alternative fuel, mature driver, teen driver, youthful driver, distant student, and bundle discounts.
  • Auto-Owners Insurance policyholders can earn discounts including good student, paperless, student away at school, safe driver, and safe vehicle.
  • SAFECO may offer discounts for accident prevention training, teen safety rewards, anti-theft, bundle discounts, and multi-car.

When getting a coverage quote, ask every company to apply every possible discount. Some discounts listed above may not be available in your area. To choose providers who offer cheap car insurance quotes, follow this link.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • Can I rent a car in Mexico?
  • Does my policy cover my teen driver if they drive my company car?
  • When should my teen driver be added to my policy?
  • Is my ex-spouse still covered by my policy?
  • When would I need additional glass coverage?
  • What is the rate difference between pleasure use and commuting?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Well known brands might not be cheapest

Consumers can’t get away from ads for the lowest price insurance coverage from the likes of GEICO, State Farm and Progressive. They all seem to seem to make the promise that people will save if you just switch your insurance coverage policy to them.

How do they all give you a lower rate?

All companies have an ideal profile for the type of customer that will generate a profit. One example of this type of driver might have to be over age 30, has a low-risk occupation, and drives less than 5,000 miles a year. Anybody who fits that profile will probably get cheap prices and will save a lot if they switch.

Insureds who cannot meet these standards must pay more expensive rates and this can result in the customer not buying. The ad wording is “customers who switch” not “everyone that quotes” save the amount stated. This is how insurance companies can confidently make claims that they all have the best premium rates. Because of the profiling, you really need to compare price quotes frequently. It is just not possible to predict which insurance companies will fit you best based on your risk profile.

Car insurance coverages for a Lincoln Continental

Having a good grasp of auto insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses such as doctor visits, EMT expenses, funeral costs, surgery and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

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

Collision can pay for things like hitting a parking meter, sideswiping another vehicle, damaging your car on a curb, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for liability – Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like bail bonds, repair costs for stationary objects and pain and suffering. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Lincoln Continental.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, hitting a bird, rock chips in glass, damage from getting keyed and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In conclusion

You just learned many ways to compare 1991 Lincoln Continental insurance prices online. The key concept to understand is the more times you quote, the better likelihood of getting inexpensive insurance coverage. Consumers may even find the best price on car insurance is with a smaller regional carrier. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

As you quote insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured cut physical damage coverage and learned later they didn’t have enough coverage. The aim is to get the best coverage possible at the best possible price, but do not skimp to save money.

Cheap 1991 Lincoln Continental insurance can be bought from both online companies in addition to local insurance agencies, so you need to quote insurance coverage with both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies only sell coverage through independent agencies.

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