2006 Lincoln Zephyr Insurance Cost – 5 Policy Discounts

Vehicle owners new to shopping for car insurance online may find sourcing low cost auto insurance is more work than they thought.

How to compare free insurance quotes

To find more affordable prices, there are a couple of ways to compare rate quotes from many different insurance companies. The simplest method to comparison shop is to get quotes online. This can be done by using one of the methods below.

  • If you’re in a hurry, the quickest way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This quick form keeps you from doing separate forms for each company. Filling out one form gets insurance cost estimates from multiple low-cost companies. This is by far the quickest method.
  • A more difficult way to get quotes online consists of visiting each company website and repeat the quote process again and again. For instance, we’ll pretend you are doing a rate comparison from Auto-Owners, Farmers and Allstate. In order to compare rates, you need to visit each site to input your insurance information, which is why most consumers use the first method. For a list of companies in your area, click here.

Which method you use is up to you, but compare identical coverage data for each quote you get. If you enter different data it’s impossible to decipher which rate is best. Just slight variations in insurance coverages can result in a big premium difference. Just remember that comparing all the rates in your area will enable you to find the best rates.

How to know if you need help

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Should I get collision insurance on every vehicle?
  • Is extra glass coverage worth it?
  • How much liability do I need to cover my assets?
  • Where can I find high-risk insurance?
  • What is high-risk coverage and where do I buy it?
  • How much can I save by bundling my policies?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Insurance coverage considerations

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision – This coverage pays to fix your vehicle from damage from colliding 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 insurance covers claims like scraping a guard rail, crashing into a ditch, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses such as pain medications, doctor visits, ambulance fees and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive protection – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, damage from flooding, theft, rock chips in glass and vandalism. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like legal defense fees, medical services, medical expenses, attorney fees and court costs. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Lincoln Zephyr.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.