2002 Lincoln Continental Car Insurance Rates – 8 Policy Discounts

Want better insurance coverage rates for your Lincoln Continental? Trying to find better insurance prices for your Lincoln Continental can turn out to be difficult, but you can learn the following methods to save time.

There are both good and bad ways to buy insurance coverage and you need to know the best way to get price quotes on a Lincoln and find the lowest price either online or from local insurance agents.

If you have insurance now or need new coverage, you can use these tips to shop for the lowest rates while maximizing coverage. Shopping for the cheapest coverage is quite easy. Vehicle owners just need to know the best way to compare rates on the web.

The quickest method to compare policy rates is to take advantage of the fact almost all companies provide online access to give you rate quotes. All consumers are required to do is provide a little information like any included safety features, if you went to college, your occupation, and whether you are single or married. The rating information is then sent to many different companies and you will receive price estimates immediately.

When do I need an agent’s advice?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

For example, these questions may help you determine if you might need professional guidance.

  • Is my 2002 Lincoln Continental covered for flood damage?
  • Is other people’s property covered if stolen from my vehicle?
  • When should I not file a claim?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need an umbrella policy?
  • When can I cancel my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance coverage specifics

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as pain and suffering, medical services, funeral expenses and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – Collision insurance covers damage to your Continental resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hail damage, hitting a deer, falling objects and fire damage. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage – This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, dental work, prosthetic devices and surgery. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay