1991 Lincoln Continental Insurance Rates

Comparing and finding cheaper rates for insurance is frustrating for drivers who have little experience online comparison shopping. With a ridiculous number of insurers available, it can easily be more work than you anticipated to compare rates.

Smart consumers take time to check insurance prices yearly since insurance prices are rarely the same from one policy term to another. Just because you had the best price for Continental insurance six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because we’re going to show you one of the best ways to find lower rates on insurance.

Cheaper car insurance quotes with discounts

Car insurance companies do not list every disount available very well, so below is a list both well-publicized as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a insurance coverage quote.
  • Military Discounts – Being on active deployment in the military could trigger a small discount.
  • Mature Driver Discount – Seniors may be able to get better car insurance rates for Continental insurance.
  • Multiple Cars – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.

Discounts lower rates, but most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, you’re out of luck.

To view companies that provide some of the discounts listed above, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can help discover if you may require specific advice.

  • When would I need rental car insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is rental equipment covered for theft or damage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What if I total my 1991 Lincoln Continental and owe more than it’s worth?
  • Is my 1991 Lincoln Continental covered for smoke damage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What should my uninsured motorist coverage limits be in my state?
  • What is the ISO rating for a 1991 Lincoln Continental?
  • Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Can you really save $485 a year?

Respected companies like State Farm, Geico and Progressive regularly use ads on television and other media. They all state the claim about saving some big amount just by moving to them. Is it even possible that every company can charge you less for auto insurance? Here is how they do it.

Most companies have specific guidelines for the type of driver that will be a good risk. An example of this type of risk profile should be between the ages of 30 and 50, owns a home, and drives a car with an anti-theft system. Any customer who fits those characteristics will probably get cheap auto insurance rates and have a good chance to pay quite a bit less when switching companies.

Potential customers who are not a match for this stringent profile will be quoted more expensive rates which usually ends up with the prospect going elsewhere. The wording the ads use say “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can confidently make claims that they all have the best premium rates. Because each company has a different risk profile, you should compare as many free insurance coverage quotes as you can. You cannot predict which company will provide you with the cheapest auto insurance rates.

Insurance coverage specifics

Having a good grasp of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, hospital visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This pays for damage to your Continental caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like rolling your car, crashing into a ditch, crashing into a building, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability car insurance – This can cover injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like court costs, pain and suffering, funeral expenses, legal defense fees and medical services. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your 1991 Lincoln Continental.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive or Other Than Collision – 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 insurance covers things such as rock chips in glass, damage from a tornado or hurricane and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Feed the piggy bank

People change insurance companies for a variety of reasons including poor customer service, extreme rates for teen drivers, lack of trust in their agent and even not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

We’ve covered many ideas to compare 1991 Lincoln Continental insurance prices online. The key concept to understand is the more you quote insurance coverage, the higher your chance of finding low cost insurance coverage. You may be surprised to find that the lowest prices come from a company that doesn’t do a lot of advertising.

Lower-priced 1991 Lincoln Continental insurance can be found on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not offer price quotes online and these smaller companies only sell through local independent agencies.

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