Save on 1993 Lincoln Continental Car Insurance Rates

Scraping up a payment for high-priced Lincoln Continental insurance can stress out your checking account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to make ends meet.

With so many insurance companies to choose from, it is hard for the average consumer to pick a more affordable insurer.

Finding the best rates is not that difficult. Essentially everyone who is shopping for insurance will be able to save money. Although vehicle owners must know how the larger insurance companies price insurance differently and use this information to your advantage.

Compare quotes for insurance coverage

To find inexpensive insurance coverage quotes, there are several ways of comparing rate quotes from many insurance coverage companies in your state. By far the easiest way to find the lowest 1993 Lincoln Continental rates consists of obtaining rate quotes online. This can be done using a couple different methods.

One of the best ways to compare a lot of rates at once is a comparison rater form click to view form in new window. This form saves time by eliminating a different quote for each company. One form gets insurance cost estimates from multiple companies.
A more difficult way to find more affordable insurance is to manually visit the website for each individual company and repeat the quote process. For instance, we’ll assume you are doing a rate comparison from Nationwide, Geico and Liberty Mutual. To find out each rate you need to spend time on each company’s site and punch in your information repeatedly, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
The least efficient way to quote and compare insurance rates is physically going to local insurance agencies. Doing it all online makes this process obsolete unless you have a need for the peace of mind of a licensed agent. It is possible with some companies get the lowest quotes online and have a local agent actually service the policy.

Whichever method you choose, make darn sure you compare exactly the same coverage limits and deductibles for every quote you compare. If you have different liability limits it will be next to impossible to make a fair comparison for your Lincoln Continental. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, making a lot of price comparisons will improve the odds of getting a better price. Some regional insurers cannot provide online quotes, so it’s recommended that you also compare price quotes from them as well.

Discounts for cheap car insurance quotes

Car insurance is neither fun to buy or cheap, but you can get discounts that you may not even be aware of. Some discounts will apply when you quote, but lesser-known reductions have to be asked for before being credited.

Discount for Low Mileage – Maintaining low annual mileage may allow you to get better car insurancerates on cars that stay parked.
Professional Organizations – Joining specific professional or occupational memberships or organizations is a simple method to lower premiums on your next car insurance statement.
Federal Employees – Simply working for the federal government may reduce rates when you quote insurance coverage for Continental insurance with select insurance companies.
Home Ownership Discount – Just owning your own home can earn you a little savings because owning a home requires personal responsibility.
Pay Early and Save – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company they may give you a discount of as much as 10 to 15 percent.
Claim Free – Drivers who stay claim-free have much lower rates when compared to frequent claim filers.
Smart Student Discounts – A discount for being a good student may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students well after school through age 25.

Remember that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Larger car insurance companies and some of the discounts are detailed below.

State Farm has savings for accident-free, good student, good driver, multiple autos, multiple policy, defensive driving training, and driver’s education.
Geico offers discounts including emergency military deployment, anti-lock brakes, good student, membership and employees, driver training, and anti-theft.
SAFECO offers discounts for teen safe driver, safe driver, drive less, homeowner, teen safety rewards, bundle discounts, and anti-lock brakes.
Farmers Insurance may offer discounts for business and professional, multi-car, good student, teen driver, early shopping, and switch companies.
AAA has discounts for AAA membership discount, multi-policy, good student, pay-in-full, multi-car, education and occupation, and anti-theft.
USAA may have discounts that include defensive driver, loyalty savings, good student, family discount, and new vehicle.

When quoting, ask every prospective company which discounts can lower your rates. All car insurance discounts may not apply in your area. If you would like to see a list of insurance companies with the best car insurance discounts, follow this link.

Informed consumers save more

Many things are considered when quoting car insurance. Some are pretty understandable such as your driving history, but some are more obscure like where you live or your commute time.

Bundle policies with the same company – Many insurers allow a discount for people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to check prices from other companies to make sure you are getting the best deal.There is a good possibility that you can save money by buying insurance from more than one company.
Car insurance policy lapses increase prices – Letting your insurance expire is a sure-fire way to pay more for car insurance. In addition to paying higher rates, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.
High premiums for youthful drivers – Inexperience drivers are known to be more careless with other occupants in the car so they pay higher car insurance rates. Adding a first-time driver onto a policy can be very expensive. Older drivers are more cautious drivers, cost insurance companies less in claims and are safer drivers.
Extra policy coverages that may not be needed – There are many optional add-on coverages that sound like a good idea at the time but may not be useful. Insurance for things like rental car coverage, high-cost glass coverage, and motor club memberships may be wasting your money. You may think they are a good idea when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.
Lower rates by increasing deductibles – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some examples of claims that would be covered are collision with another vehicle, hitting a deer, and having your car stolen. Comp and collision deductibles define how much you are required to spend out-of-pocket if you file a covered claim. The more damage repair cost the insured has to pay upfront, the bigger discount you will receive for Continental insurance.

You may need specialized auto insurance coverage

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs might need an agent’s assistance.

How much liability coverage do I need in my state?
What is the ISO rating for a 1993 Lincoln Continental?
Should I put collision coverage on all my vehicles?
Do I pay less if my vehicle is kept in my garage?
How high should deductibles be on a 1993 Lincoln Continental?
Is my nanny covered when driving my vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverage options for a 1993 Lincoln Continental

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement. These are typical coverages offered by auto insurance companies.

Comprehensive coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, a broken windshield, a tree branch falling on your vehicle, damage from a tornado or hurricane and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as pain and suffering, emergency aid, attorney fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, rolling your car, sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses for EMT expenses, X-ray expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Never pay more for less

When you buy insurance coverage online, never skimp on coverage in order to save money. In many cases, an accident victim reduced liability coverage limits and learned later that it was a big error on their part. Your aim should be to buy the best coverage you can find for the lowest price, but do not skimp to save money.

Affordable 1993 Lincoln Continental insurance is possible online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not have online price quotes and usually these regional carriers only sell coverage through independent agents.