1993 Lincoln Continental Insurance Quotes

Want the cheapest insurance rates for your Lincoln Continental? Are you sick and tired of scraping nickels together to insure your Lincoln every month? You’re in the same situation as many other drivers. Big companies like GEICO, 21st Century and Progressive promote their brand names with fancy advertisements and it is difficult to separate fact from fiction and find the best price available.

If you have a policy now or need a new policy, you can use this information to get lower rates and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to know the tricks to compare prices over the internet.

Auto Insurance Discounts

Some insurers don’t always publicize the entire discount list very clearly, so the following list contains both the well known and the harder-to-find discounts you could be receiving when you buy car insurance online.

  • Multiple Vehicles – Buying coverage for multiple vehicles on a single policy qualifies for this discount.
  • Auto/Life Discount – Select insurance carriers reward you with better auto insurancerates if you take out some life insurance in addition to your auto policy.
  • Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Save over 55 – Mature drivers are able to get reduced rates on Continental insurance.
  • New Vehicle Savings – Insuring a vehicle that is new can save you some money because newer models keep occupants safer.
  • Multi-policy Discount – When you combine your homeowners and auto insurance with one insurance company you could get a discount of over 10 percent off each policy depending on the company.

Please keep in mind that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Some companies that may offer many of the previously listed discounts include:

Double check with every company what discounts are available to you. Some credits might not be offered on policies in your area. If you would like to view companies that provide some of the discounts listed above, click this link.

Shop car insurance online

Getting cheaper 1993 Lincoln Continental car insurance pricing isn’t really that difficult. You just need to take a few minutes comparing rates to discover which company has the cheapest car insurance quotes. Price comparisons can be done using one of these methods.

  • The easiest and least time consuming way to find low rates would be an industry-wide quote request form (click to open form in new window). This quick form keeps you from doing separate forms for each company. A single, simple form gets rate comparisons instantly.
  • Another way to get comparison quotes consists of going to the website for every company you want to comare and complete a new quote form. For instance, let’s say you are doing a rate comparison from Auto-Owners, Esurance and Progressive. You would be required to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you are comparing apples-to-apples information with every price quote. If you enter different deductibles it will be impossible to determine which rate is truly the best.

Lower your insurance premiums

A large part of saving on car insurance is knowing some of the factors that aid in calculating car insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that can help you get much lower annual insurance costs.

  • Bump up comp and collision deductibles to lower rates – The deductibles define the amount you are willing to pay in the event of a claim. Physical damage protection, aka comp and collision, protects your car from damage. Examples of covered claims are collision with another vehicle, hail damage, or theft of your vehicle. The more you pay before a claim is paid (deductible), the bigger discount you will receive on Continental insurance.
  • Traffic violations can increase rates – Your driving record has a huge affect on how much you pay. Having a single driving citation can boost insurance rates forty percent or more. Good drivers get better prices as compared to careless drivers. Drivers who have received careless violations like DUI, reckless driving or excessive speeding may need to prove financial responsibility with their state’s department of motor vehicles in order to legally drive.
  • Where you live – Residing in less populated areas can save you money when trying to find low car insurance rates. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates. Drivers who live in large cities regularly have congested traffic and higher rates of accident claims. More time on the road can result in more accidents.
  • Stay claim-free and save money – If you’re an insured who likes to file claims you shouldn’t be surprised to get higher rates. Insurance companies generally give better rates to policyholders who are not frequent claim filers. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Safer vehicles lower car insurance rates – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out if your situation might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • Does coverage extend to my business vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why am I required to buy liability insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Do drivers who switch really save $422 a year?

Consumers can’t get away from all the ads that promise big savings from the likes of GEICO, State Farm and Progressive. All the ads make an identical promise that people will save after switching your coverage to them.

How can each company sell you cheaper insurance coverage? It’s all in how they say it.

Car insurance companies have a certain “appetite” for the driver that earns them the most money. One example of this type of driver might have to be a female over age 40, is a homeowner, and drives a vehicle with a low ISO rating. Any person who meets those qualifications may get the lowest prices and will most likely save a lot of money.

People who are not a match for those standards will see higher rates and this results in the customer not purchasing. The trick companies use is to say “customers who switch” not “everyone who quotes” can get the lowest rates when switching. That’s why insurance companies can advertise the way they do. Because every company is different, you should get car insurance quotes from several different companies. Because without a comparison, you cannot know the company that will have the lowest prices for your situation.

Information about specific coverages

Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for prosthetic devices, surgery, nursing services, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Auto liability

This protects you from injuries or damage you cause to people or other property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as emergency aid, repair costs for stationary objects, medical services, legal defense fees and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, theft, hitting a bird, hail damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they 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.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Don’t be a big spender

While you’re price shopping online, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

In this article, we presented quite a bit of information on how to get a better price on 1993 Lincoln Continental insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding inexpensive car insurance. Consumers may even find the lowest premium rates are with the least-expected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

More information is located on the following sites: