Compare 2002 Lincoln Continental Car Insurance Quotes

Looking for better insurance coverage rates for your Lincoln Continental? Paying for pricey Lincoln Continental insurance can draw down your accounts and maybe even restrict other spending. Comparing cost estimates is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Having so many different company options, it can be challenging to pick the best company.

You should make it a habit to compare premium rates yearly because insurance coverage rates fluctuate regularly. If you had the lowest premium rates on Continental coverage a year ago there is a good chance you can find better prices now. Ignore everything you know about insurance coverage because we’re going to show you the proper way to properly buy coverages and cut your premium.

Where can I get affordable insurance?

Performing a rate comparison can be a daunting task if you don’t know the most efficient way. You could waste time driving to insurance companies in your area, or you can stay home and use the web to get prices fast.

Most major companies belong to a marketplace where insurance shoppers submit one quote, and each company provides a quote. This prevents consumers from doing quotation requests to every company.

To get comparison pricing now click here to start a free quote.

The only drawback to pricing coverage this way is buyers cannot specifically choose which carriers you want to price. So if you prefer to pick specific providers for rate comparison, we have a listing of insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you use apples-to-apples coverage limits and deductibles on every quote you get. If your comparisons have different deductibles it will be impossible to determine the best price for your Lincoln Continental. Slightly different coverages may result in a large different in cost. And when quoting insurance, remember that quoting more provides better odds of finding lower pricing.

Take advantage of these discounts

Auto insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be asked about before being credited. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.

  • ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
  • One Accident Forgiven – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident without the usual rate increase if you have no claims for a particular time prior to the accident.
  • Defensive Driver Discounts – Taking a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
  • Discounts for New Vehicles – Insuring a new car can be considerably cheaper because newer vehicles are generally safer.
  • Home Ownership Discount – Owning your own home or condo may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Multiple Policy Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
  • Renewal Discounts – Some larger companies reward drivers for signing up before your current policy expires. You may see this discount when you get car insurance quotes online.

Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. Even though it appears having all the discounts means you get insurance for free, you won’t be that lucky.

A few of the larger companies and the discounts they provide can be read below.

  • AAA offers discounts including anti-theft, good student, good driver, education and occupation, AAA membership discount, and multi-car.
  • Progressive may offer discounts for homeowner, continuous coverage, multi-vehicle, online signing, online quote discount, and multi-policy.
  • State Farm may include discounts for Drive Safe & Save, anti-theft, safe vehicle, student away at school, and multiple policy.
  • Esurance discounts include Pac-12 alumni, safety device, homeowner, anti-theft, claim free, defensive driver, and paid-in-full.
  • Nationwide may have discounts that include Farm Bureau membership, good student, easy pay, accident-free, anti-theft, and multi-policy.

Before purchasing a policy, check with every prospective company which discounts you may be entitled to. Some discounts listed above may not apply in your area. To see insurers that offer discounts, click here to view.

Special considerations

When it comes to choosing the best auto insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Why am I required to buy liability insurance?
  • When do I need to add a new car to my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my liability insurance cover pulling a trailer or camper?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

How insurance companies calculate Lincoln Continental insurance costs

Smart consumers have a good feel for the different types of things that go into determining your premiums. If you understand what impacts premium levels, this allows you to make good choices that can earn you lower rates. Many factors are part of the calculation when you get a price on insurance. Some are obvious like an MVR report, although others are not as apparent such as whether you are married and annual miles driven.

The items below are just a few of the factors used by your company to calculate your rate level.

  • Do you have enough liability? – Your auto insurance policy’s liability coverage is the protection if you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Never let your auto insurance lapse – Driving any period of time without insurance can get you a ticket and you will pay a penalty because you let your coverage lapse. Not only will rates go up, the inability to provide proof of insurance may earn you fines and jail time.
  • Reserve policy claims for larger damages – If you’re an insured who likes to file claims you can look forward to higher rates. Auto insurance companies award discounts to people who file claims infrequently. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Good credit scores equal low rates – Credit score can be a huge factor in determining your rates. Consumers who have excellent credit scores tend to be better risks to insure than drivers with poor credit. If your credit rating can use some improvement, you could be paying less to insure your 2002 Lincoln Continental by repairing your credit.
  • Do you save by driving less? – The more miles you rack up on your Lincoln annually the more you’ll pay to insure it. Most insurance companies calculate prices partially by how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Incorrect rating for your Continental may be costing you. It’s a good idea to make sure your auto insurance coverage correctly shows the correct usage.
  • Teenage drivers pay higher prices – Older insureds are viewed as being more responsible, cause fewer claims and accidents and get fewer tickets.Teen drivers tend to be more careless with other occupants in the car so auto insurance rates are higher.

Be skeptical of car insurance ads

Popular car insurance providers such as 21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies try to convey promises that you can save if you get a free car insurance quote and switch your coverage. It sounds good, but how can they all lower your prices? Here is how they do it.

Insurance providers require specific criteria for the driver that earns them a profit. A good example of a driver they prefer should be a married male, has no tickets, and does not commute to work. Someone who fits that profile will probably get cheap auto insurance rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t qualify for those criteria will see a higher rate which translates to the customer not buying. The wording the ads use say “customers that switch” not “everybody who quotes” can get the lowest rates when switching. That is how companies can advertise the savings.

This emphasizes why you should quote coverage with many companies. Because without a comparison, you cannot know which company will have better auto insurance rates than you’re paying now.

Car insurance coverages for a Lincoln Continental

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, damage from a tornado or hurricane and damage from getting keyed. The most 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.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Lincoln Continental.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision protection

This coverage covers damage to your Continental from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability

Liability insurance provides protection from damage that occurs to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as medical expenses, loss of income and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses like hospital visits, funeral costs and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Best coverage at the best price

We just showed you some good ideas how you can compare 2002 Lincoln Continental insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with a smaller regional carrier. Smaller companies may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm or Progressive.

As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where an insured cut physical damage coverage to discover at claim time that the savings was not a smart move. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

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