View 1994 Lincoln Continental Insurance Quotes

Finding lower priced insurance coverage can seem to be overwhelming for vehicle owners new to quoting and buying insurance over the internet. With a ridiculous number of online companies, how can anyone effectively compare every possible option in order to find the lowest price available?

Low cost insurance coverage prices

When shopping for insurance coverage there are multiple ways of comparing rate quotes from insurance coverage companies in your area. The simplest method to lower the rate you pay for 1994 Lincoln Continental insurance is simply to get online rate quotes. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. One of the best ways to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This quick form keeps you from doing multiple quote forms for each company you want a rate for. One form gets you coverage quotes from insurance coverage companies with the best prices. It’s the fastest way to compare.
  2. A different way to compare prices requires you to visit each individual company website and complete a new quote form. For example, we’ll pretend you want to compare rates from State Farm, Progressive and American Family. To get each rate you have to go to every website to enter your coverage information, which is not fast way to get rate quotes.

    To view a list of companies in your area, click here.

Whichever method you choose, try to keep equivalent coverage information on every price quote you get. If each company quotes differing limits it will be next to impossible to truly determine the lowest rate. Having just a slight variation in coverages can make a big difference in price. And when comparison shopping, quoting more will improve the odds of getting more affordable insurance. Some smaller insurers to not give prices over the internet, so it’s recommended that you also compare price quotes from them as well.

Don’t assume everyone needs the same insurance coverage

When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions can aid in determining if your situation will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • Should I put collision coverage on all my vehicles?
  • Why do I only qualify for high-risk insurance?
  • How much liability insurance is required?
  • Am I covered when pulling a rental trailer?
  • Can I afford to buy a different vehicle if my 1994 Lincoln Continental is totaled?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form.

The coverage is in the details

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, fire damage, rock chips in glass and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Lincoln Continental.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as legal defense fees, attorney fees, funeral expenses and bail bonds. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills such as chiropractic care, funeral costs, nursing services, doctor visits and X-ray expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

This coverage pays for damage to your Continental caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, sideswiping another vehicle, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.