Lower Your 2001 Lincoln Continental Insurance Cost

Searching for the cheapest insurance coverage rates for your Lincoln Continental? Are you tired of scraping the payment together to insure your Lincoln every month? You’re in the same situation as most other consumers.

You have so many car insurance companies to pick from, and although it’s nice to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.

Affordable insurance auto insurance rates with discounts

Auto insurance companies don’t always advertise all available discounts very well, so here is a list some of the more common as well as some of the hidden auto insurance savings.

• Homeowners Savings – Simply owning a home can help you save on auto insurance since home ownership demonstrates responsibility.
• New Car Discount – Putting coverage on a new car may earn a small discount since new vehicles are generally safer.
• Low Miles Discount – Low annual miles can earn cheaper auto insurancerates.
• Bundle and Save – If you can bundle your auto and home insurance with the same company they may give you a discount of 10% to 20% off each policy.
• Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on medical payment and PIP coverage.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

Car insurance companies that may offer many of the previously listed discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

When getting a coverage quote, ask every insurance company which discounts you qualify for. Discounts may not apply to policies in your state. To see companies that offer discounts, follow this link.

The quickest method we recommend to compare car insurance company rates utilizes the fact auto insurance companies have advanced systems to give you rate quotes. To begin a comparison, all you need to do is give them some information including which vehicles you own, how old drivers are, level of coverage desired, and if it has an anti-theft system. The rating information is automatically sent to multiple different insurance companies and they provide comparison quotes almost instantly.

If you would like to start a quote now, click here and enter your coverage details.

What determines Lincoln Continental insurance costs?

Many things are part of the equation when pricing auto insurance. Most are fairly basic like an MVR report, although others are less apparent such as whether you are married or how financially stable you are.

The list below includes some of the factors used by your company to calculate your rates.

• More people means more accidents – Being located in less populated areas of the country is a positive aspect when trying to find low car insurance rates. Fewer people corresponds to lower accident rates. People in densly populated areas tend to have traffic congestion and more severe claims. More time behind the wheel means more chance of being in an accident.
• Does your employer raise your car insurance rates? – Do you have a high-stress occupation? Occupations such as fire fighters, architects and stock brokers usually pay higher rates than the rest of us attributed to high stress and incredibly demanding work hours. Other jobs such as farmers, students and retirees get better rates for Continental insurance.
• Pleasure use saves money – The more you drive your Lincoln in a year’s time the higher your rates will be. A lot of insurance companies apply a rate based upon how much you drive. Cars that are left in the garage receive better premium rates compared to those used for work or business. It’s always a good idea to double check that your car insurance coverage reflects annual mileage. Having the wrong rating on your Continental may be costing you.
• Buy a safe car and pay less – Vehicles with high crash test scores tend to be cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims which can result in lower premiums. If your Lincoln is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• Filing policy claims can cost more – If you are the type of insured that files lots of claims you should expect higher premiums or even policy non-renewal. Auto insurance companies generally give lower rates to insureds who are not frequent claim filers. Auto insurance is designed for the large, substantial claims.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

• Is pleasure use cheaper than using my 2001 Lincoln Continental to commute?
• Is my teen driver covered when they drive my company car?
• How high should my uninsured/underinsured coverage be in my state?
• Is my state a no-fault state?
• Where can I find DUI or SR-22 insurance?
• Is there coverage for injuries to my pets?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Insurance coverage options for a 2001 Lincoln Continental

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Collision coverage

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

Collision coverage protects against things such as scraping a guard rail, damaging your car on a curb, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for X-ray expenses, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Lincoln Continental.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability car insurance

This coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, legal defense fees and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, damage from flooding, theft and rock chips in glass. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

What is YOUR best insurance company?

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

Some insurance providers may not have online price quotes and most of the time these small insurance companies sell through local independent agencies. Cheaper 2001 Lincoln Continental insurance is attainable online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

We just showed you a lot of information how to compare 2001 Lincoln Continental insurance premium rates online. The key thing to remember is the more times you quote, the better likelihood of getting cheaper insurance. You may even discover the lowest premium rates come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

Additional information can be read at these links:

• State Car Insurance Guides (Geico)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Child Safety Seats (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)