Cheap 1993 Lincoln Town Car Insurance Cost

Searching for lower car insurance rates for your Lincoln Town Car? Feel like you have an overpriced car insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. There are many car insurance companies to pick from, and although it’s nice to have a choice, more choices can make it harder to find the best rates for your vehicles.

You need to do rate comparisons occasionally since insurance prices are adjusted regularly by insurance companies. Even if you got the best rate for Town Car coverage a few years ago you may be paying too much now. There is a lot of wrong information about car insurance online but in this article, you’re going to get some great ways to put money back in your pocket.

The cheapest insurance coverage quotes

Finding low cost insurance coverage rates is a great way to save money. Consumers just need to invest a few minutes comparing price quotes to see which company has low cost insurance quotes. It’s super easy and can be done using a couple different methods.

The best way to get quotes for comparison is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating multiple quote forms to each individual insurance coverage company. One simple form gets prices estimates from multiple low-cost companies.
A harder way to find lower rates requires a trip to each company website and repeat the quote process. For example, let’s assume you want to compare rates from Geico, Progressive and Travelers. To do that, you would have to take the time to go to each site and repeatedly type in your coverage information, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just make sure you compare the same deductibles and coverage limits with every price quote. If you enter different liability limits it will be next to impossible to make a fair comparison for your Lincoln Town Car.

Save money by taking advantage of discounts

Car insurance is neither fun to buy or cheap, but there may be some discounts to help offset the cost. Most are applied when you quote, but occassionally some discounts must be specially asked for before you get the savings.

Defensive Driving Course – Participating in a defensive driving course could save 5% or more and easily pay for the cost of the class.
Multiple Vehicles – Buying a policy with multiple vehicles with the same company could earn a price break for each car.
Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction for Town Car coverage with a few car insurance companies.
Auto/Life Discount – Not all companies offer life insurance, but some may give you a lower premium rate if you buy a life insurance policy as well.
Early Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
Good Student Discount – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Renewal Discounts – Some car insurance companies give discounts for buying a policy before your current coverage expires. It’s a savings of about 10%.
ABS Brakes – Cars with ABS braking systems or traction control prevent accidents and will save you 10% or more.
Discounts for New Vehicles – Buying a new car model can save you some money since newer models have better safety ratings.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So even though you would think adding up those discounts means a free policy, you aren’t that lucky.

Insurance companies that may offer policyholders most of these discounts include:

Double check with every insurance company what discounts are available to you. Some discounts listed above might not apply in your area. If you would like to view providers who offer discounts, click this link.

How much insurance coverage do I need?

When buying the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

Should I buy full coverage?
How high should my uninsured/underinsured coverage be in my state?
Does my insurance cover a custom paint job?
Is my trailer covered?
Should I waive the damage coverage when renting a car?
Can I still get insurance after a DUI?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Specific coverage details

Learning about specific coverages of auto insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, falling objects and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This pays for damage to your Town Car caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, damaging your car on a curb, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses like doctor visits, pain medications and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. 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 gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1993 Lincoln Town Car.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Liability auto insurance

This coverage can cover damages or injuries you inflict on a person or their property. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

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 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like court costs, repair costs for stationary objects and attorney fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.