2017 Lincoln Continental Insurance Rates

Looking for better insurance coverage rates for your Lincoln Continental? Finding affordable insurance coverage over the internet is somewhat intimidating for vehicle owners that are not comfortable with quoting and comparing prices over the internet. Because there are so many online companies, how are vehicle owners able to have time to compare them all to find the best price?

If you have car insurance now, you will be able to lower your premiums substantially using this information. Locating the lowest cost protection can be fairly easy. But vehicle owners do need to know the way insurance companies determine prices because it can help you find the best coverage.

How to compare car insurance price quotes

When shopping for low cost car insurance quotes, there are a couple of ways of comparing rates from many different insurance companies. The recommended way to lower the rate you pay for 2017 Lincoln Continental insurance consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

If you’re in a hurry, the quickest way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This quick form keeps you from doing repetitive form entry for each company. One simple form compares rates from many national carriers. It’s definitely the quickest method.

A more time consuming way to compare prices consists of going to the website of each company and fill out their own quote form. For sake of this example, let’s assume you want to compare rates from USAA, Progressive and American Family. You would have to navigate to each company’s site and repeatedly type in your coverage information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use the same coverage limits and deductibles for every quote you compare. If you compare different data you can’t possibly determine which rate is truly the best. Quoting even small variations in coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that more quotes will improve the odds of getting better pricing.

Car insurance policy discounts you can’t miss

Insuring your fleet can be pricey, but there’s a good chance there are discounts to cut the cost considerably. Some of these disounts will be visible when you get a quote, but a few must be specially asked for in order for you to get them.

  • Telematics Discount – Insureds that choose to allow their insurance company to analyze their driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts as long as the data is positive.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts could save 15% off PIP or medical payments premium.
  • Driver’s Ed – Have your child complete a driver education course as it will make them better drivers and lower rates.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will qualify for a discount on a car insurance quote.
  • Waiver for an Accident – Not necessarily a discount, but companies like Libery Mutual, GEICO and Allstate permit an accident before your rates go up if your claims history is clear before the accident.
  • Membership in Organizations – Joining a professional or civic organization can get you a small discount when getting a car insurance quote.
  • Government Employees – Active or former government employment can save as much as 8% on Continental insurance with some car insurance companies.
  • Discount for Life Insurance – If the company offers life insurance, you could get better rates if you take out auto and life insurance together.

Don’t be shocked that most discounts do not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

A few of the larger companies and their offered discounts can be found below.

  • State Farm offers premium reductions for Drive Safe & Save, good student, multiple policy, student away at school, safe vehicle, passive restraint, and good driver.
  • GEICO has discounts for driver training, federal employee, anti-lock brakes, air bags, and military active duty.
  • Liberty Mutual may include discounts for safety features, exclusive group savings, good student, preferred payment discount, multi-policy, and new vehicle discount.
  • The Hartford may offer discounts for good student, air bag, defensive driver, anti-theft, driver training, and vehicle fuel type.
  • MetLife policyholders can earn discounts including good driver, accident-free, claim-free, good student, and defensive driver.
  • Progressive includes discounts for homeowner, online quote discount, multi-vehicle, continuous coverage, and multi-policy.

If you are trying to find cheaper car insurance quotes, ask each insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in your area. To choose companies who offer cheap car insurance quotes, click this link.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique.

For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Will my rates increase for filing one claim?
  • I have a DUI can I still get coverage?
  • What companies insure drivers after a DUI or DWI?
  • What can I do if my company won’t pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my 2017 Lincoln Continental qualify for pleasure use?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

You can change your insurance costs

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for car insurance. If you know what determines premiums, this enables you to make decisions that will entitle you to big savings.

  • How your age affects rates – Drivers with little experience tend to be less responsible when at the wheel of a vehicle so car insurance rates are higher. If you’ve ever had to add a beginning driver onto your car insurance can really hurt. Older, more experienced drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Which gender costs less? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Women and men cause fender benders in similar numbers, but guys tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • Higher comp and collision deductibles save money – The deductibles tell how much you are willing to pay before your car insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims would be rearending another vehicle, animal collisions, and having a roll-over accident. The larger the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Continental insurance.
  • Infrequent drivers can save – Driving a lot of miles every year the more you’ll pay to insure your vehicle. Almost all companies charge rates partially by how you use the vehicle. Cars and trucks that sit idle most of the time get more affordable rates than those that get driven frequently. Double check that your declarations sheet properly reflects how each vehicle is driven. Having an incorrect usage rating on your Continental may be costing you higher rates.

Insurance coverage considerations

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses like dental work, prosthetic devices and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverage protection

This coverage will pay to fix damage to your Continental from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Auto liability insurance

This will cover damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. It does not 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 values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like legal defense fees, repair costs for stationary objects, bail bonds and medical expenses. How much coverage you buy is a personal decision, but buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, falling objects, damage from getting keyed, a tree branch falling on your vehicle and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Lincoln Continental.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

A tidy conclusion

You just read many tips how you can save on 2017 Lincoln Continental insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best rates are with a small mutual company.

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone dropped liability coverage limits and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

Budget-conscious 2017 Lincoln Continental insurance can be bought both online in addition to local insurance agencies, so get free car insurance quotes from both of them to have the best rate selection. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through independent agents.

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