Trying to find the cheapest insurance for a 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 find car insurance online and you need to know the absolute fastest way to price shop coverage on a Lincoln and get the lowest price either online or from local insurance agents.
The quickest method to compare rate quotes takes advantage of the fact most of the bigger providers pay for the opportunity to compare rate quotes. The only thing you need to do is give them rating details including types of safety features, your general credit rating, the make and model of your vehicles, and whether or not you need a SR-22. The data is instantly provided to insurance carriers in your area and they respond with quotes almost instantly.
To start a rate quote now, click here and enter your coverage details.
Companies that sell car insurance don’t always list all disounts in a way that’s easy to find, so we researched both well-publicized and also the more inconspicuous credits available to bring down your rates. If they aren’t giving you every credit available, you’re paying more than you need to.
It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky.
A few popular companies and some of the discounts are included below.
Double check with every prospective company the best way to save money. Savings may not be available in your area. If you would like to view insurers with discount insurance coverage rates, click here to view.
When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.
Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.
Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
This pays for damage to your Continental resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.
Comprehensive (Other than Collision)
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as hitting a bird, damage from getting keyed and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Medical expense insurance
Med pay and PIP coverage reimburse you for immediate expenses like hospital visits, X-ray expenses, rehabilitation expenses and pain medications. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Auto liability insurance
This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers things such as pain and suffering, funeral expenses, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.
Protection from uninsured/underinsured drivers
This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Continental.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages do not exceed the liability coverage limits.