Lower Your 1992 Lincoln Continental Insurance Rates

Finding low-cost insurance might seem somewhat difficult for drivers not familiar with comparison shopping on the internet. With such a large number of agents and insurance companies available, how are drivers expected to have the ability to compare every company to locate the best available rates?

If you have car insurance now, you should be able to reduce your rates substantially using this strategy. The purpose of this article is to tell you the most effective way to quote insurance and some tricks to saving. Nevertheless, vehicle owners do need to learn how insurance companies determine prices.

Auto insurance policy discounts you can’t miss

Companies don’t always list every policy discount in an easy-to-find place, so the below list has a few of the more common as well as some of the hidden credits that you can use to lower your rates.

• Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
• Defensive Driver Discounts – Taking part in a driver safety course could earn you a small percentage discount depending on where you live.
• Discount for Low Mileage – Maintaining low annual mileage can qualify you for discounted prices on garaged vehicles.
• Save with More Vehicles Insured – Buying insurance for primary and secondary vehicles with the same auto insurance company qualifies for this discount.
• E-sign Discounts
• Discount for Good Grades – Excelling in school may save you up to 25%. Earning this discount can benefit you up until you turn 25.
• Buy New and Save – Buying insurance coverage on a new vehicle is cheaper due to better safety requirements for new vehicles.
• Passive Restraint Discount – Cars that have air bags or automatic seat belts could see savings of 25 to 30%.

You should keep in mind that most credits do not apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.

If you would like to choose from a list of auto insurance companies that provide some of the discounts listed above, click this link.

Compare car insurance rates

There are a variety of methods to compare car insurance prices and some are less time-consuming than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the web to get pricing more quickly.

Many insurance companies take part in a program that enables customers to enter their coverage request one time, and at least one company returns a rated price based on that data. This prevents consumers from doing quote forms to each company.

To enter your information into the quoting system, click here to open in new window.

The single downside to using this type of system is you cannot specify which companies to get quotes from. So if you want to select individual companies to compare rates, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make sure you use the same coverage information for each quote you get. If you use different deductibles it’s not possible to find the best deal for your Lincoln Continental. Even a minor difference in insurance coverages can make a big difference in price. And when comparing car insurance rates, know that making a lot of price comparisons increases your odds of finding a lower rate.

Find lower-cost insurance with these tips

Many different elements are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although others are more obscure such as your credit history or your commute time.

• Younger driver insurance rates – Youthful drivers have been known to be easily distracted behind the wheel so they pay higher insurance rates. More mature drivers are viewed as being more responsible, cost insurance companies less in claims and receive fewer citations.
• Your vocation is a factor – Careers such as judges, social workers and emergency personnel generally have higher average rates due to high stress and long work days. On the flip side, occupations like actors, students and performers have the lowest average rates for Continental insurance.
• Do thieves like your car? – Choosing a vehicle with advanced anti-theft systems can earn a premium discount. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your vehicle from being stolen.
• Never let your insurance policy lapse – Not maintaining insurance is a big no-no and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, getting caught without coverage might get you a steep fine or even jail time. You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• High claims frequency drives up prices – Insurance companies give better rates to policyholders who are not frequent claim filers. If you file a lot of claims you can look forward to much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of more catestrophic claims.
• Driving citations will cost you – Drivers with clean records get better rates compared to drivers with tickets. Getting just one speeding ticket or other violation could increase your next policy renewal substantially. Drivers who have received dangerous citations such as DUI or willful reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.

Insurance agents can help

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

• What is PIP insurance?
• Can I afford to buy a different vehicle if my 1992 Lincoln Continental is totaled?
• Are my friends covered when driving my 1992 Lincoln Continental?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered if my car is in a flood?
• When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance companies are expert advertisers

Insurance providers like Allstate, Geico and Progressive regularly use ads on television and other media. All the ads make an identical promise that you can save if you move your coverage to them. Is it even possible that every company can charge lower premium rates? You have to listen carefully.

Insurance providers provide the lowest rates for the type of driver that earns them the highest profit. For example, a profitable insured might be described as between the ages of 40 and 55, insures multiple vehicles, and has great credit. A driver who fits that profile will get the preferred prices and will most likely save when they switch companies.

Potential insureds who fall outside the “perfect” profile will have to pay higher premium rates which results in the prospect going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can confidently make those claims.

Because every company is different, you really need to compare price quotes frequently. Because without a comparison, you cannot know with any certainty which company will have the lowest rates.

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Collision coverage

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

Collision insurance covers things like backing into a parked car, driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, a broken windshield, hitting a deer and fire damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance

Liability coverage provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as court costs, medical expenses, pain and suffering, bail bonds and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, 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. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses like hospital visits, doctor visits, dental work, nursing services and pain medications. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Keep this in mind

We’ve covered many ideas to shop for 1992 Lincoln Continental insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best premium rates are with the smaller companies.

Cheap 1992 Lincoln Continental insurance can be found both online as well as from independent agents, so you need to shop car insurance with both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get quotes online and these regional insurance providers only sell coverage through local independent agents.

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, not issuing a premium refund and extreme rates for teen drivers. Regardless of your reason, switching companies can be easier than you think.

Even more information can be read in the articles below:

• Child Safety FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Event Data Recorders FAQ (iihs.org)