1999 Lincoln Continental Insurance Cost

Trying to find cheaper insurance rates? Buyers have a choice when searching for the best price on Lincoln Continental insurance. They can either spend hours struggling with agents to compare prices or use the internet to make rate comparisons.

There is a better way to buy insurance so we’re going to tell you the best way to quote coverages for a new or used Lincoln and find the lowest price from local insurance agents and online providers.

It is always a good idea to compare prices as often as possible since prices are constantly changing. Even if you think you had the best deal on Continental insurance six months ago the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because you’re about to learn the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or need a new policy, you can use these tips to find better prices while maintaining coverages. The purpose of this article is to help educate you on the best way to quote coverages. Consumers just need to know how to compare company rates over the internet.

Do you qualify for discounts?

Some insurers don’t always advertise all disounts very clearly, so we break down a few of the more common and also the lesser-known credits available to bring down your rates.

  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Online Discount – A handful of companies may give you up to $50 for completing your application over the internet.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Continental insurance compared to accident prone drivers.
  • Telematics Discount – Drivers who elect to allow driving data collection to spy on when and where they use their vehicle by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
  • Discounts for New Vehicles – Adding a new car to your policy can save you some money since new model year vehicles are generally safer.
  • Federal Employees – Federal government employees may reduce rates when you quote insurance on Continental insurance with a few car insurance companies.
  • Accident-Free Discounts – Insureds with no claims or accidents can save substantially when compared to insureds who have frequent claims or accidents.

Please keep in mind that most discounts do not apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, nobody gets a free ride. Any amount of discount will help lower the premium cost.

A list of companies and some of the premium reductions they offer are shown below.

  • State Farm has savings for defensive driving training, safe vehicle, accident-free, Drive Safe & Save, good driver, driver’s education, and student away at school.
  • Esurance offers discounts including online shopper, multi-car, emergency road assistance, multi-policy, good driver, anti-theft, and paid-in-full.
  • Progressive offers premium reductions for multi-vehicle, online quote discount, good student, continuous coverage, and online signing.
  • Liberty Mutual may include discounts for preferred payment discount, hybrid vehicle, good student, safety features, and multi-car.
  • Auto-Owners Insurance includes discounts for air bags, safe driver, paperless, teen driver, company car, and paid in full.
  • GEICO discounts include military active duty, driver training, membership and employees, good student, air bags, anti-lock brakes, and federal employee.

If you want the cheapest insurance quotes, ask every prospective company the best way to save money. All car insurance discounts might not be offered on policies in every state. For a list of insurance companies that offer many of these discounts, click here to view.

Low cost car insurance prices

Lowering your 1999 Lincoln Continental car insurance rates is surprisingly easy. The only requirement is to invest a few minutes comparing price quotes to find the company with inexpensive insurance quotes. This can easily be done in several different ways.

  • The recommended way to find low rates is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing boring form submissions for every car insurance company. A single, simple form gets you price quotes from many national carriers.It’s the quickest way to get rates.
  • Another way to shop for car insurance online is spending the time to visit each company website to complete a price quote. For examples sake, we’ll pretend you need rates from Auto-Owners, Progressive and Liberty Mutual. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.

Which method you use is up to you, but do your best to use identical coverage data on every price quote you get. If you compare different deductibles it will be next to impossible to determine the lowest rate for your Lincoln Continental.

Learn how to get insurance for less

When buying insurance it’s important to understand the different types of things that go into determining your insurance rates. If you understand what determines base rates, this helps enable you to make changes that can earn you much lower annual insurance costs.

The itemized list below are most of the major factors used by insurance companies to determine your rate level.

  • High physical damage deductibles lower costs – Deductibles for physical damage are how much you are required to pay if a claim is determined to be covered. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of covered claims could be colliding with a stationary object, hail damage, or theft of your vehicle. The more money you choose to pay out-of-pocket, the lower your rates will be on Continental insurance.
  • Annual miles is a factor – Driving more miles each year the more it will cost to insure it. Most companies calculate prices based on their usage. Cars that do not get driven very much can get a lower rate than those that get driven frequently. It’s a good idea to make sure your insurance policy is showing the proper vehicle usage, because it can save money. Improper usage on your Continental may be wasting your money.
  • Liability insurance is peace of mind – The liability coverage on your policy will provide protection in the event that a court rules you are at fault for personal injury or accident damage. This coverage provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • More traffic equals higher prices – Choosing to live in less populated areas of the country may provide you with better prices when it comes to insurance. Fewer people means less chance of accidents as well as less vandalism and auto theft. Residents of big cities regularly have much more traffic and longer commute times. Longer commute distances means more chance of being in an accident.
  • Don’t let your insurance lapse – Driving without insurance is a misdemeanor and any future policy may cost more because you let your insurance expire. In addition to paying higher rates, being ticketed for driving with no insurance will get you a steep fine or even jail time. You may then have to file a SR-22 with your state DMV.
  • Experienced drivers pay less – Teen drivers have been known to be more careless with other occupants in the car so insurance rates are higher. Older, more experienced drivers have been proven to be more responsible, file fewer claims and tend to be get fewer driving tickets.

Don’t assume everyone needs the same auto insurance coverage

When choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Is my ex-spouse still covered by my policy?
  • When should I drop full coverage on my 1999 Lincoln Continental?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Ads can be misleading

Consumers can’t get away from all the ads that promise big savings for switching from the likes of GEICO, State Farm and Progressive. They all make the same claim about savings if you move to them.

How can each company charge lower premium rates? Just pay attention to how they say it.

Different companies have a certain “appetite” for the type of insured that will add to their bottom line. For example, this type of insured may be married and over the age of 30, owns their home, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications receives the best premium rates and have a good chance to save money with a new company.

Insureds who don’t meet those standards may be forced to pay higher rates which translates to the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everyone who quotes” can get the lowest rates when switching. That is how insurance companies can make it sound like they have such great car insurance rates.

This really illustrates why it’s extremely important to compare price quotes frequently. Because you cannot predict which company will provide the lowest rates.

Coverage specifics

Having a good grasp of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for X-ray expenses, prosthetic devices, dental work and nursing services. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as repair bills for other people’s vehicles, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive protection

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

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from getting keyed and hail damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Lincoln Continental.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision protection

This covers damage to your Continental from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Get your money’s worth

When getting insurance quotes online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability coverage limits only to regret at claim time that it was a big mistake. The aim is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, delays in paying claims and even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Lower-priced car insurance can be bought on the web as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some companies do not offer internet price quotes and many times these regional carriers only sell coverage through local independent agents.

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