View 1992 Lincoln Continental Insurance Rates

Trying to find the cheapest auto insurance rates for your Lincoln Continental? Are you drained from sacrificing other expenses to pay high auto insurance rates every month? You are in the same boat as millions of other drivers.

Many car insurance companies vie for your hard-earned dollar, so it can be very hard to choose a provider to discover the definitive lowest price

If you currently have car insurance, you stand a good chance to be able to save some money using this information. Buying car insurance is easy if you know what you’re doing. Although vehicle owners must understand how big insurance companies sell online and apply this information to your search.

Earn discounts to get lower-cost car insurance rates

Companies offering auto insurance do not advertise all disounts very clearly, so the below list has both well-publicized in addition to some of the lesser obvious credits available to bring down your rates. If you’re not getting every credit you qualify for, you could be getting lower rates.

  • Accident-Free Discounts – Drivers with accident-free driving histories pay less in comparison to accident-prone drivers.
  • Discounts for Good Drivers – Safe drivers may save up to 50% more for Continental insurance than drivers with accidents.
  • Senior Citizens – Seniors can get a small decrease in premiums for Continental insurance.
  • Discount for Passive Restraints – Vehicles equipped with air bags may earn rate discounts as much as 30%.
  • Bundle and Save – If you insure your home and vehicles with one company you could earn a discount of nearly 15% which can help you find inexpensive insurance coverage.
  • Own a Home – Just owning your own home may earn you a small savings due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Military Deployment Discount – Having a deployed family member could be rewarded with lower premium rates.
  • Discount for Swiching Early – A few insurance companies offer discounts for signing up before your current coverage expires. This discount can save up to 10%.
  • Online Discount – A few larger companies will discount your bill up to fifty bucks shop insurance coverage on the web.
  • Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount and also improve your driving technique.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous. But any discount will lower the amount you have to pay.

A list of companies and a summarized list of policyholder discounts are detailed below.

  • The Hartford offers premium reductions for air bag, anti-theft, vehicle fuel type, bundle, driver training, and defensive driver.
  • American Family may have discounts that include defensive driver, TimeAway discount, good driver, early bird, bundled insurance, and multi-vehicle.
  • Progressive offers discounts for continuous coverage, online quote discount, homeowner, multi-policy, multi-vehicle, online signing, and good student.
  • Travelers includes discounts for new car, driver training, student away at school, IntelliDrive, home ownership, and good student.
  • Farmers Insurance may offer discounts for alternative fuel, youthful driver, bundle discounts, distant student, switch companies, electronic funds transfer, and homeowner.
  • USAA offers discounts including driver training, defensive driver, good student, safe driver, military installation, new vehicle, and multi-policy.
  • Liberty Mutual has discounts for multi-car, newly married, hybrid vehicle, new graduate, good student, and new move discount.

When getting free insurance coverage quotes, it’s a good idea to every insurance company which discounts they offer. Some credits may not be available in your area. To find providers who offer discounts, follow this link.

Compare car insurance rate quotes online

There are a variety of methods to compare car insurance prices but one way is less labor-intensive and much quicker. You can waste hours driving to insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.

All the larger companies participate in an industry program where prospective buyers enter their coverage request one time, and each company then returns a price quote based on that information. This system prevents you from having to do quote requests to each individual car insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to using this type of form is you are unable to specify the providers to get pricing from. If you would rather choose individual companies to receive pricing from, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using identical quote data for every quote you compare. If you compare different limits and deductibles on each one you can’t possibly truly determine the lowest rate. Even a minor difference in insurance coverages or limits can make a big difference in price. Just remember that obtaining a wide range of quotes provides better odds of finding more affordable insurance.

Insurance premiums are influenced by these factors

Multiple criteria are part of the equation when quoting car insurance. A few of the factors are predictable like an MVR report, but other criteria are more transparent like your vehicle usage or how financially stable you are.When buying auto insurance it’s important to understand some of the things that come into play when calculating the level of your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that could result in lower rates.

Shown below are some of the things that factor into your premiums.

  • Avoid traffic tickets – Whether or not you get tickets impacts your car insurance rates tremendously. Having just one driving citation could increase your next policy renewal substantially. Drivers who don’t get tickets get better prices as compared to those with violations. People who have severe citations like reckless driving or DUI may face state-mandated requirements to maintain a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Experienced drivers are lower risk – Older, more experienced drivers are proven to be safer behind the wheel, tend to file fewer claims .Teen drivers are statistically shown to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.
  • Occupation stress can affect premiums – Did you know your auto insurance rates can be affected by your occupation? Occupational choices like doctorsairline pilots and stock brokers have higher rates than the rest of us due to intense work situations and long work days. On the flip side, occupations such as farmers, athletes and homemakers have the lowest average rates for Continental insurance.
  • Miles impacts rates – The more you drive your Lincoln annually the higher the price you pay to insure it. Many insurance companies charge rates based upon how you use the vehicle. Autos left parked in the garage receive lower rates than vehicles that have high annual mileage. It’s always a good idea to double check that your auto insurance policy is showing annual mileage, because it can save money. Having an incorrect usage rating on your Continental may be costing you higher rates.
  • Being married is a bonus – Being married can actually save you money on your policy. It means you’re more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • Prevent theft and save money – Choosing to buy a car with a theft deterrent system can get you a discount on your auto insurance. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft and help lower rates.
  • Better auto insurance rates on vehicles with better crash test results – Cars with high safety ratings can get you lower premiums. Vehicles built for safety reduce occupant injuries and lower rates of occupant injuries means less money paid by your insurance company and more competitive rates for policyholders.
  • Is car insurance cheaper for males or females? – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that females are better drivers. Both sexes tend to get into fender benders in similar numbers, but the men get into accidents with more damage. Men also statistically get more serious tickets like reckless driving and DUI.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help highlight if you might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • What is medical payments coverage?
  • Do I have coverage if my license is suspended?
  • Am I covered if I hit my neighbor’s mailbox?
  • If my 1992 Lincoln Continental is totaled, can I afford another vehicle?
  • Which is better, split liability limits or combined limits?
  • Am I covered if hit by an uninsured driver?
  • Should I rate my 1992 Lincoln Continental as pleasure use or commute?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Brand name doesn’t guarantee savings

Companies like Allstate, Geico and Progressive endlessly run ads on TV and radio. They all seem to make the same claim that you’ll save big if you just switch your coverage to them. How can each company lower your rates? It’s all in the numbers.

Different companies have strict underwriting profiles for the right customer that will generate a profit. A good example of a desirable risk could be between the ages of 30 and 45, has a low-risk occupation, and drives newer vehicles. A propective insured who fits those characteristics receive the lowest rate quotes and will most likely save when switching.

Potential insureds who don’t qualify for the ideal profile will have to pay a higher rate which usually ends up with the customer buying from a different company. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” save that much. This is how insurance companies can confidently make claims like that.

Each company has different criteria, so drivers should compare price quotes frequently. It’s not possible to predict which auto insurance company will give you lower premium rates than your current company.

Car insurance coverages explained

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most car insurance policies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like ambulance fees, nursing services, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

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

Collision coverage pays for things like rolling your car, sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Liability insurance

This will cover damage or injury you incur to a person or their property. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like structural damage, repair costs for stationary objects, legal defense fees and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, damage from a tornado or hurricane, vandalism and falling objects. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Lincoln Continental.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Buy online or local, you save

When searching for low cost insurance coverage quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, someone dropped collision coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at a price you can afford and still be able to protect your assets.

Throughout this article, we presented many tips how you can save on 1992 Lincoln Continental insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the best car insurance rates are with a small local company. Regional companies often have lower premium rates on specific markets as compared to the big name companies such as Geico and State Farm.

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