View 2002 Lincoln LS Insurance Quotes

Nobody I know loves paying for insurance, especially when they know their premiums are through the roof. Drivers have multiple insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, lots of choices makes it harder to get the best deal.

Are you getting every discount?

Insurance coverage is not inexpensive, but discounts can save money and there are some available that many people don’t even know exist. Most are applied when you complete an application, but lesser-known reductions have to be inquired about before being credited.

• No Claim Discounts – Claim-free drivers have much lower rates when compared to drivers who are more careless.
• Passive Restraints – Cars that have air bags can qualify for discounts of 25 to 30%.
• Multi-Vehicle Discounts – Insuring multiple cars or trucks with the same insurance coverage company can get a discount for every vehicle.
• Sign Online – Many companies will discount your bill up to fifty bucks for completing your application on the web.
• Defensive Driver – Successfully completing a driver safety course can save you 5% or more and easily pay for the cost of the class.
• Mature Driver Discount – Seniors may qualify for a slight reduction on a insurance quote for LS insurance.
• Early Signing – Some larger companies provide a discount for buying a policy early. This can save 10% or more.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.
• Membership in Organizations – Participating in a professional or civic organization is a good way to get lower rates on your next insurance coverage statement.

It’s important to note that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, nobody gets a free ride.

Companies and a selection of discounts include:

• State Farm includes discounts for anti-theft, Steer Clear safe driver discount, student away at school, driver’s education, defensive driving training, multiple policy, and good student.
• Geico may include discounts for seat belt use, good student, membership and employees, anti-lock brakes, and federal employee.
• SAFECO offers discounts for drive less, homeowner, safe driver, bundle discounts, anti-theft, accident prevention training, and anti-lock brakes.
• Farmers Insurance policyholders can earn discounts including good student, distant student, electronic funds transfer, pay in full, multi-car, alternative fuel, and homeowner.
• AAA offers discounts including multi-policy, pay-in-full, anti-theft, AAA membership discount, education and occupation, good student, and good driver.
• USAA discounts include multi-vehicle, military installation, good student, multi-policy, and safe driver.

Before purchasing a policy, check with each company to give you their best rates. Discounts may not apply to policies in your area. To locate insurance coverage companies with the best insurance coverage discounts, follow this link.

When in doubt talk to an agent

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For example, these questions might help in determining if your situation might need an agent’s assistance.

• Does my insurance cover a custom paint job?
• Am I covered if I break a side mirror?
• How can I get my company to pay me more for my totalled car?
• Is my 2002 Lincoln LS covered for flood damage?
• Does my car insurance cover rental cars?
• Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, 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 provide invaluable advice.

What insurance coverages do you need?

Having a good grasp of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Auto liability insurance

This coverage can cover damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, attorney fees, emergency aid, legal defense fees and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for ambulance fees, dental work, EMT expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Lincoln LS.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

This pays to fix your vehicle from 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 coverage pays for things like damage from flooding, hitting a bird and vandalism. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision coverage covers damage to your LS resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, crashing into a building, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

More choices the merrier

Low-cost 2002 Lincoln LS insurance is definitely available online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not offer rate quotes online and many times these regional carriers prefer to sell through local independent agents.

We covered many ideas to save on 2002 Lincoln LS insurance. The key concept to understand is the more providers you compare, the better likelihood of getting cheaper insurance. Drivers may discover the biggest savings come from a smaller regional carrier. These companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive or Geico.

More information is available at the links below

• Vehicle Insurance in the U.S. (Wikipedia)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)