Cheap 1993 Lincoln Continental Insurance Quotes

Want cheaper insurance coverage rates for your Lincoln Continental? Nobody fancies paying their premiums for insurance coverage, especially when they know they are paying too much. People have multiple insurance companies to purchase coverage from, and even though it’s nice to be able to choose, more options can take longer to find the best rates for your vehicles.

It is always a good idea to compare premium rates every six months because prices change quite often. If you had the best quotes on Continental coverage six months ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to find better coverage at a better price.

How to lower your insurance coverage cost

Getting a cheaper price on 1993 Lincoln Continental insurance is pretty simple and can save money. The only thing you need to do is take a couple of minutes to get quotes to discover which company has the cheapest insurance quotes. This can easily be done in just a few minutes using one of these methods.

The fastest way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This style of form keeps you from doing repetitive form submissions for each company you want a rate for. One quote request gets prices estimates from several companies.

Another way to find more affordable insurance is to manually visit the website for every company you want to comare to request a price quote. For instance, let’s say you are doing a rate comparison from Geico, Liberty Mutual and State Farm. You would need to go to every website to enter your coverage information, which is why first method is reommended. To view a list of companies in your area, click here.

The least recommended way to shop rates is driving around to each insurance agency near you. Comparing rate quotes online eliminates the need for an insurance agent unless you have a complicated situation and need the peace of mind that only an agent can give. You can, however, comparison shop your insurance online but buy the policy through an agent.

Whichever way you use, try to use the exact same deductibles and coverage limits for each quote you get. If you compare different liability limits it will be very difficult to make a fair comparison for your Lincoln Continental.

Tailor your insurance coverage to you

When buying proper insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine if you may require specific advice.

• Are my tools covered if they get stolen from my vehicle?
• Do I have any recourse if my insurance company denies a claim?
• What if I owe more than I can insure my car for?
• Exactly who is provided coverage by my policy?
• Am I insured when driving a different vehicle?
• What discounts do I qualify for?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Auto collision coverage

This coverage covers damage to your Continental resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t 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 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like pain and suffering, attorney fees, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 1993 Lincoln Continental.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for things like funeral costs, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as 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

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, rock chips in glass, falling objects and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.