Looking for the cheapest insurance rates for your Lincoln Continental? Are you sick and tired of paying out the nose to pay high insurance rates every month? You are in the same boat as most other people.
Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
The easiest way to compare insurance rates from multiple companies is to realize most of the larger companies have advanced systems to compare rate quotes. All consumers are required to do is provide the companies a bit of rating information like if the car is leased, distance driven, if a SR-22 is needed, and if you went to college. Those rating factors gets sent immediately to all major companies and they respond with quotes quickly.
Car insurance can be pricey, but there may be some discounts that you may not know about. Certain reductions will be credited when you quote, but a few must be asked for prior to receiving the credit.
A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, it’s just not the way it works.
If you would like to choose from a list of companies who offer free car insurance quotes, click here.
When it comes to choosing coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might point out whether your personal situation might need professional guidance.
If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Knowing the specifics of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.
Med pay and PIP coverage provide coverage for immediate expenses for prosthetic devices, chiropractic care and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage
This coverage can cover damage or injury you incur to other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability coverage pays for things like loss of income, medical services and court costs. How much coverage you buy is up to you, but consider buying higher limits if possible.
This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as a tree branch falling on your vehicle, fire damage, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Continental.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision coverage covers damage to your Continental resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things like scraping a guard rail, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.
When getting car insurance quotes online, do not buy poor coverage just to save money. There are too many instances where an insured cut full coverage and learned later that the savings was not a smart move. The goal is to buy a smart amount of coverage at the best price and still be able to protect your assets.
You just read a lot of information how to compare 2000 Lincoln Continental insurance prices online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from an unexpected company. Regional companies often have lower rates on specific markets than the large multi-state companies such as Allstate and Progressive.
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