Cheap 1998 Lincoln Continental Insurance Quotes

I can’t think of anyone who rejoices having to buy insurance coverage, particularly when the cost is too high.

You have so many car insurance companies to buy insurance from, and although it’s a good thing to be able to choose, more options can take longer to find a good deal.

You should take the time to shop coverage around before your policy renews due to the fact that insurance prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates on Continental insurance a couple years back there may be better deals available now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the best methods to properly buy coverages while reducing your premium.

How to buy car insurance online

Most larger insurance companies such as State Farm, GEICO and Progressive provide price estimates directly from their websites. The process is easy for anyone as you simply type in your personal and coverage information as detailed in the form. When the form is submitted, the company’s rating system will obtain your credit score and driving record and generates a price based on the data you entered. This makes it a lot easier to compare rates but the time it takes to visit many different websites and type in your information is a big time waster. But it is imperative to compare as many rates as possible in order to get the best price on car insurance.

The preferred way to find cheaper rates utilizes a single form to get prices from a lot of companies. This type of form saves time, reduces the work, and makes online shopping much easier. After sending your information, it gets priced and you are able to buy any one of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process only takes a few minutes and can result in significant savings.

To find out how much you’re overpaying now, click here and begin entering your coverage information. If you have your current policy handy, we recommend you complete the form with exactly as shown on your declarations page. This way, you will have rate comparison quotes based on similar coverages.

Buyer beware of car insurance advertising tricks

Respected companies like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. All the ads make an identical promise that drivers can save some big amount if you get a free insurance coverage quote and switch your coverage. It sounds good, but how can they all charge you less for auto insurance? It’s all in how they say it.

Car insurance companies can use profiling for the type of driver that will not have excessive claims. For instance, a preferred risk could be a female over age 40, owns a home, and chooses high deductibles. Anyone who matches that profile gets the lowest rates and will also save some money.

Potential customers who do not fit this stringent profile will be charged a more expensive rate and the prospect going elsewhere. The wording the ads use say “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why companies can make it sound like they have such great premium rates.

This emphasizes why it’s extremely important to get insurance coverage quotes from several different companies. It’s just not possible to know the company that will have the lowest auto insurance rates for your situation.

Double check you’re getting with these discounts

The price of auto insurance can be rather high, but you may find discounts that you may not even know about. Many of these discounts will be applied automatically when you get a quote, but less common discounts must be manually applied before being credited.

  • Theft Prevention System – Vehicles that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Responsible Drivers – Drivers without accidents could pay up to 40% less on Continental insurance than their less cautious counterparts.
  • Discount for Life Insurance – Some insurance carriers give a lower rate if you buy a life insurance policy as well.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school or through a local driver safety program.
  • Online Discount – Many companies will give a small break simply for signing on their website.
  • Onboard Data Collection – Insureds that choose to allow driving data submission to monitor when and where they use their vehicle by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they show good driving skills.

It’s important to note that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears it’s possible to get free car insurance, you won’t be that lucky. But all discounts will help reduce the amount you pay for coverage.

To locate insurance companies who offer insurance coverage discounts, follow this link.

Your situation helps dictate your coverage

When choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help highlight whether or not you might need professional guidance.

  • What is covered by UM/UIM coverage?
  • Will my insurance pay for OEM parts?
  • Who is covered when they drive my 1998 Lincoln Continental?
  • Am I covered if I drive in a foreign country?
  • Is a new car covered when I drive it off the dealer lot?
  • How do I buy GAP insurance?
  • Should I buy full coverage?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Coverages available on your policy

Understanding the coverages of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Liability insurance – This protects you from damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, emergency aid, attorney fees and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Lincoln Continental.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses for things like ambulance fees, funeral costs, X-ray expenses, surgery and dental work. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane, rock chips in glass and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage will pay to fix damage to your Continental from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, backing into a parked car, hitting a mailbox, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Don’t be a big spender

Lower-priced 1998 Lincoln Continental insurance is possible online in addition to local insurance agencies, and you should be comparing both to have the best selection. Some car insurance companies may not have internet price quotes and usually these regional carriers sell through local independent agents.

In this article, we covered a lot of techniques to compare 1998 Lincoln Continental insurance premium rates online. The key thing to remember is the more companies you get prices for, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates come from a small mutual company. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

Even more information is available in the articles below: