Lower Your 2000 Lincoln Continental Car Insurance Quotes

Have you fallen victim to an expensive auto insurance policy? Don’t sweat it because many consumers are in the same pinch. Insurance companies such as GEICO, Farmers Insurance and State Farm all promote huge savings with advertising and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

If you are insured now or are looking for a new policy, you can use these tips to reduce the price you pay and possibly find even better coverage. Buying car insurance is not that difficult. Drivers only need an understanding of how to compare price quotes online.

Quote insurance coverage online

Many insurance companies provide prices direct online. Getting online quotes can be done by anyone as you simply type in your personal and coverage information into the quote form. When the form is submitted, their system requests credit information and your driving record and generates a price. Being able to quote online simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively type in the same data can get tiresome after awhile. But it’s necessary to do this if you are searching for a better rate.

A more efficient way to compare rates is to use a quote form to return rates from several different companies. The form is fast, eliminates form submissions, and makes rate comparisons much easier to do. Once the form is submitted, it gets priced and you can choose any one of the quotes returned.

If a lower price is quoted, you simply finish the application and purchase the new policy. This process just takes a couple of minutes and you will know how your current rates stack up.

To use this form to compare rates, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you enter deductibles and limits exactly as shown on your declarations page. This makes sure you will have rate comparison quotes for similar insurance coverage.

Auto insurance savings promises

Drivers can’t get away from ads that claim the best premium rates by companies like State Farm and Allstate. All the ads say the same thing about savings if you change to them.

How does every company give you a better price? It’s all in how they say it.

All the different companies quote their cheapest rates for the type of customer that will generate a profit. One example of a profitable insured might be described as a married male, carries full coverage, and has a high credit rating. Someone who meets those qualifications will get a cheap rate quote and therefore will save if they switch.

Insureds who fall short of these standards will be quoted more expensive rates and this results in the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save that much. This is how companies can truthfully claim big savings.

That is why you really need to quote coverage with many companies. It is just not possible to predict with any certainty which company will provide you with the cheapest premium rates.

Earn discounts to get lower-cost insurance coverage rates

Some insurers don’t always publicize all possible discounts very clearly, so the list below contains a few of the more common and also the lesser-known ways to save on insurance coverage. If you aren’t receiving every discount possible, you could be getting lower rates.

  • ABS Brakes – Cars and trucks with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease for Continental coverage with select insurance companies.
  • Distant Student Discount – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home could qualify for this discount.
  • Own a Home and Save – Just being a homeowner can help you save on insurance coverage because owning a home demonstrates responsibility.
  • Early Renewal Discounts – Some insurance companies give discounts for switching policies prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
  • More Vehicles More Savings – Buying insurance for more than one vehicle on a single policy can get a discount on all vehicles.
  • Student Discounts – Maintaining excellent grades may save you up to 25%. Many companies even apply the discount to college students up to age 25.
  • Low Mileage – Low annual miles could be rewarded with substantially lower rates.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, nobody gets a free ride.

A partial list of companies that may have some of the above discounts possibly include:

Before you buy a policy, ask every prospective company which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders in your area. If you would like to view providers who offer cheap insurance coverage quotes, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Is my camper covered by my car insurance policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I have a commercial auto policy?
  • Am I better off with higher deductibles on my 2000 Lincoln Continental?
  • What companies insure drivers after a DUI or DWI?
  • What if I don’t agree with a claim settlement offer?
  • Is a fancy paint job covered?
  • Should I bundle my homeowners policy with my auto?
  • Does car insurance cover theft of personal property?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions, you may need to chat with 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 auto insurance companies in your area. It is quick, free and can help protect your family.

Insurance specifics

Understanding the coverages of insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage will pay to fix damage to your Continental resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, crashing into a building, driving through your garage door, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance pays for 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 coverage pays for claims like damage from flooding, damage from getting keyed, a broken windshield, falling objects and fire damage. 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 consider removing comprehensive coverage.

Liability coverages

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

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, repair bills for other people’s vehicles, medical services and attorney fees. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills such as hospital visits, EMT expenses, funeral costs, rehabilitation expenses and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

In conclusion

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Low-cost 2000 Lincoln Continental insurance can be bought on the web and from local agencies, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not offer rates over the internet and most of the time these regional insurance providers prefer to sell through independent agents.

In this article, we covered a lot of tips how to lower your 2000 Lincoln Continental insurance auto insurance rates. The key thing to remember is the more you quote insurance, the higher the chance of saving money. You may even discover the best price on car insurance is with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

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