1993 Lincoln Town Car Insurance Cost

Want lower insurance coverage rates for your Lincoln Town Car? Feel like you have an expensive insurance coverage policy? It’s quite common and many consumers are feeling buyer’s remorse and feel like there’s no way out. Multiple insurance companies compete for your business, and it can be difficult to compare rates to find the absolute lowest cost out there.

Consumers should take time to shop coverage around on a regular basis because insurance prices change frequently. If you had the best deal on Town Car coverage a couple years back you can probably find a better rate now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out one of the quickest ways to buy cheaper insurance coverage.

How to shop auto insurance online

Cutting your auto insurance rates can be relatively painless. All you need to do is take a few minutes to compare free insurance quotes online from several insurance companies. You can get a good selection of rate quotes in a couple of different ways.

1. The fastest and easiest way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing a different quote for each price estimate. In just a few minutes this one form will return quotes from multiple companies.
2. A more difficult way to find more affordable insurance requires a trip to the website for each individual company and fill out their own quote form. For example, we’ll assume you want to view quotes from Progressive, Esurance and Travelers. You would need to take the time to go to each site and repeatedly enter your information, which can be really labor intensive.

   To view a list of companies in your area, click here.

3. The least efficient method to find and compare rates is physically going to all the different insurance agencies. Shopping for auto insurance online has made agencies unnecessary unless your situation requires the advice and guidance of a local agent. Some companies do allow you to comparison shop your insurance online but have a local agent actually write the policy.

Whichever way you choose to compare rates, make absolute certain that you use exactly the same quote information on every quote you get. If you have mixed coverages you can’t possibly determine which rate is truly the best.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions can help discover if you might need professional guidance.

• When should I buy a commercial auto policy?
• Do I need motorclub coverage?
• Does my policy pay for OEM or aftermarket parts?
• Is my teenager covered with friends in the car?
• Should I rate my 1993 Lincoln Town Car as pleasure use or commute?
• Is my Lincoln Town Car covered if I use it for business?
• Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses for dental work, nursing services, X-ray expenses, EMT expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance covers damage to your Town Car caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Lincoln Town Car.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, medical expenses and attorney fees. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, hitting a deer, hitting a bird and a broken windshield. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.