Lower Your 2018 Lincoln Continental Insurance Rates

Drivers have options when trying to find the lowest priced Lincoln Continental insurance. You can either spend your time driving around getting price quotes or leverage the internet to compare rates.

There is a right way and a wrong way to shop for car insurance and you need to know the absolute fastest way to compare rates on a Lincoln and get the lowest possible price.

This information will introduce you to how to effectively get price quotes and some tips to save money. If you have car insurance now, you should be able to save some money using these tips. Drivers only need to know the proper way to shop their coverage around over the internet.

Lower-cost auto insurance rates with discounts

Some providers do not list every available discount in a way that’s easy to find, so the next list breaks down both well-publicized and the harder-to-find credits available to bring down your rates. If you do not double check each discount possible, you are paying more than you should be.

  • Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction for Continental insurance with a few auto insurance companies.
  • Air Bags and Passive Restraints – Cars that have air bags or automatic seat belts can get savings of more than 20%.
  • Driving Data Discount – Policyholders that allow their auto insurance company to study when and where they use their vehicle by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
  • Waiver for an Accident – but certain companies will turn a blind eye to one accident without raising rates if you have no claims for a particular time prior to the accident.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Accident-Free Discounts – Good drivers with no accidents pay less when compared with drivers who are more careless.
  • Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
  • Drive Less and Save – Driving fewer miles can qualify you for lower prices on the low mileage vehicles.

You should keep in mind that most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, it’s just not the way it works. But all discounts should definitely cut the amount you pay for coverage.

A few popular companies and the discounts they provide are detailed below.

  • 21st Century may offer discounts for 55 and older, theft prevention, good student, defensive driver, automatic seat belts, student driver, and early bird.
  • Progressive may have discounts that include continuous coverage, homeowner, online quote discount, multi-policy, and online signing.
  • State Farm offers premium reductions for multiple autos, driver’s education, good driver, good student, defensive driving training, and multiple policy.
  • Nationwide policyholders can earn discounts including accident-free, multi-policy, business or organization, good student, defensive driving, easy pay, and Farm Bureau membership.
  • Esurance discounts include multi-car, good driver, online quote, multi-policy, and good student.
  • The Hartford has discounts for good student, defensive driver, anti-theft, vehicle fuel type, air bag, and bundle.

Before purchasing a policy, check with every company which discounts you qualify for. A few discounts may not apply to policyholders in every state.

Buy insurance coverage online

Reducing your 2018 Lincoln Continental insurance rates is not a difficult process. Drivers just need to spend a few minutes comparing rates online with multiple companies. This can be done using a couple different methods.

  1. One of the best ways to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing repetitive form submissions for every company. A single, simple form gets you price quotes from many national carriers. It’s definitely the quickest method.
  2. A more difficult way to find more affordable insurance is spending the time to visit the website of each company and get a separate price quote. For sake of this example, we’ll assume you want to compare rates from GEICO, Allstate and American Family. You would be required to go to every website to input your insurance information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
  3. The most difficult method to do your price quoting is actually driving to insurance agencies in your area. Quoting and buying insurance online eliminates the need for an insurance agent unless you want the trained guidance that only an agent can give. It is possible with some companies find lower rates online but have a local agent actually write the policy.

It doesn’t matter which method you choose, just make sure you are using identical coverage data on every quote you get. If you enter different coverage information it will be very difficult to determine the lowest rate for your Lincoln Continental.

Insurance cost influencing factors

Many things are taken into consideration when pricing auto insurance. A few of the factors are predictable like an MVR report, but other factors are not quite as obvious such as whether you are married or your vehicle rating.

  • Combine policies with the same company – Lots of insurers provide discounts to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount drivers will still want to comparison shop to help guarantee you have the best rates. Consumers may save even more by insuring with multiple companies.
  • Does auto insurance cost more for men? – Over the last 30 years, statistics show that females take fewer risks when driving. Now that doesn’t mean men are WORSE drivers than women. Females and males cause fender benders at about the same rate, but men have accidents that have higher claims. Men also get higher numbers of serious violations such as DWI and reckless driving. Male teenagers are most likely to cause an accident so it costs more to insure them.
  • Get better rates if married – Having a spouse may save some money when shopping for insurance coverage. It may mean you are more stable financially and insurance companies like that married couples file fewer claims.
  • Vehicle features that lower premiums – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

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

  • Am I covered if I hit a deer?
  • If my pet gets injured in an accident are they covered?
  • Should I sign the liability waiver when renting a car?
  • Should I bundle my homeowners policy with my auto?
  • How much underlying liability do I need for an umbrella policy?
  • Will my rates increase for filing one claim?
  • What happens if I owe more than my 2018 Lincoln Continental is worth?
  • Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Truth in car insurance advertising

Consumers constantly see and hear ads that claim the lowest auto insurance rates from the likes of Allstate, GEICO and Progressive. They all advertise claims of big savings after switching your coverage.

That’s great but how can every company lower your auto insurance rates? Just pay attention to how they say it.

All the different companies have an ideal profile for the type of driver that makes them money. One example of a profitable customer might be described as over the age of 35, has never had a claim, and drives newer vehicles. A customer getting a price quote who fits that profile will get a cheap rate quote and will also cut their rates substantially.

Drivers who don’t meet these stringent criteria will be quoted higher rates and this results in the customer not purchasing. The ad wording is “drivers who switch” not “all people who quote” save the amount stated. That’s the way insurance companies can lure you into getting a quote.

Because each company has a different risk profile, it’s extremely important to quote coverage with many companies. Because you never know which insurance companies will have the lowest rates.

Coverage specifics

Having a good grasp of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for doctor visits, X-ray expenses, hospital visits, pain medications and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 2018 Lincoln Continental.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hail damage, hitting a deer and a tree branch falling on your vehicle. The highest amount 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.

Liability insurance

This coverage provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as emergency aid, repair bills for other people’s vehicles, funeral expenses, medical expenses and pain and suffering. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Make a quick buck

Consumers who switch companies do it for any number of reasons including questionable increases in premium, extreme rates for teen drivers, being labeled a high risk driver or even lack of trust in their agent. 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.

We just presented many ideas to save on 2018 Lincoln Continental insurance. The key thing to remember is the more providers you compare, the higher your chance of finding the cheapest auto insurance. You may even find the lowest priced auto insurance comes from a smaller regional carrier.

The cheapest 2018 Lincoln Continental insurance can be bought from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. There are still a few companies who may not provide rate quotes online and most of the time these small insurance companies only sell coverage through independent agencies.

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