1995 Lincoln Continental Insurance Quotes – 10 Tips for Cheaper Rates

Having to pay for pricey car insurance can eat up your accounts and force you to prioritize other expenses. Doing a rate analysis is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Big companies like Geico, 21st Century and Progressive increase brand awareness with TV and radio ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

If you currently have car insurance, you will be able to lower your premiums substantially using this information. Buying car insurance is quite easy. Nevertheless, vehicle owners should learn how the larger insurance companies price online insurance.

Free car insurance rate quotes

When comparison shopping, there are several ways of comparing rates from different companies. The best way to do a complete rate comparison involves getting comparison quotes online. This can be done by using one of the methods below.

  • If you don’t have a lot of time, the easiest way to get quotes is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate quote forms for every company. Completing one form compares rates instantly.
  • A more difficult way to find lower rates requires you to visit each company website and fill out their own quote form. For instance, let’s assume you want rates from Auto-Owners, Progressive and Allstate. To get each rate you have to visit each site and repeatedly enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but compare nearly identical information on every price quote you get. If you are comparing different deductibles it will be nearly impossible to make a fair rate comparison. Even a minor difference in limits could throw off the whole comparison. Just remember that having more price comparisons provides better odds of finding more affordable insurance. Some regional insurers cannot provide online quotes, so you should also compare price estimates from them, too.

Are you earning every discount?

Some providers don’t always advertise every disount available in a way that’s easy to find, so we researched some of the more common and also the lesser-known credits available to bring down your rates. If you’re not getting every credit available, you may be paying too high a price.

  • Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies may permit one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Resident Student – College-age children who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up could save 15% off PIP or medical payments premium.
  • Professional Memberships – Belonging to a qualifying organization could qualify you for a break on car insurance.
  • Save with More Vehicles Insured – Insuring multiple cars on the same car insurance policy can get a discount for every vehicle.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
  • Cautious Driver Discount – Accident-free drivers could pay up to 40% less on Continental insurance than drivers with accident claims.
  • Student Discount for Driver Training – Require your teen driver to enroll in driver’s education if offered at their school.
  • Government Employees – Having worked for a branch of the government can earn a discount up to 10% on Continental insurance with certain companies.
  • Homeowners Savings – Owning a house can save you money because of the fact that having a home requires a higher level of personal finance.

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, nobody gets a free ride. Any qualifying discounts should definitely cut the cost of your policy.

Some companies that may have these discounts are:

If you need the cheapest auto insurance quotes, ask all companies you are considering what discounts are available to you. Some of the discounts discussed earlier may not apply to policyholders in your area. To find car insurance companies who offer free car insurance quotes, click here to view.

When in doubt talk to an agent

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can help discover if you will benefit from professional help.

  • Should I carry comprehensive and collision coverage?
  • What if I don’t agree with a claim settlement offer?
  • Is pleasure use cheaper than using my 1995 Lincoln Continental to commute?
  • Will my insurance pay for OEM parts?
  • Do I have newly-aquired coverage?
  • Do I need replacement cost coverage?
  • Am I covered if I hit a deer?

If you can’t answer these questions but a few of them apply 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.

Tricks in insurance coverage advertising

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the ads make the point of big savings if you change your policy. How is it possible that every company can charge lower premium rates?

Insurance coverage companies quote their best rates for the right customer that will not have excessive claims. A good example of a desirable risk might be over the age of 35, has never had a claim, and drives less than 7,500 miles a year. Any driver who meets those qualifications receives the best car insurance rates and most likely will pay quite a bit less when switching companies.

Potential insureds who may not quite match these stringent criteria will be charged a higher rate and this results in the customer not buying. The ad wording is “customers that switch” but not “everyone who gets a quote” save that much money. That’s the way insurance companies can confidently advertise the savings.

Because of these techniques, it’s extremely important to do a rate comparison at every renewal. Because you cannot predict which company will fit you best based on your risk profile.

The coverage is in the details

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.

Comprehensive auto insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, fire damage, hitting a bird, a broken windshield and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays for damage to your Continental resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, driving through your garage door, crashing into a building, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, rehabilitation expenses, pain medications and hospital visits. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability car insurance

Liability insurance can cover damage that occurs to other’s property or people. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like loss of income, structural damage and medical expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1995 Lincoln Continental.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Saving money makes a lot of cents

We’ve covered some good ideas how to compare 1995 Lincoln Continental insurance rates online. The key concept to understand is the more price quotes you have, the higher your chance of finding inexpensive auto insurance. You may even discover the lowest rates are with a small local company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

Cheaper car insurance can be found from both online companies and from local insurance agents, so you should compare both to have the best rate selection. There are still a few companies who may not have rates over the internet and many times these smaller companies only sell through independent agencies.

Additional detailed information is available at these sites: