1996 Lincoln Continental Insurance Rates – 8 Tricks for Cheaper Quotes

Trying to find lower insurance coverage rates for your Lincoln Continental? Baffled by the sheer number of insurance coverage choices in your area? You’re not alone. Vehicle owners have so many choices to choose from that it can easily turn into more work than you anticipated to find the lowest price.

How to compare car insurance quotes

Most major insurance companies allow you to get prices for coverage direct online. Obtaining pricing doesn’t take a lot of time as you simply type in your required coverages on the page. When the form is submitted, their system makes automated requests for information on your driving record and credit history and returns a price based on these and other factors.

This simplifies rate comparisons, but having to visit different websites and type in the same information is repetitive and time-consuming. But it is imperative to get many rate quotes if you want to get the best price on car insurance.

There is an easier way to compare rates

The quickest way to find cheaper rates is to use a quote form to obtain quotes from a lot of companies. This type of form saves time, eliminates form submissions, and makes quoting online a lot less work. Immediately after you send the form, it is rated and you are able to buy any of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The whole process takes 15 minutes at the most and could lower your rates considerably.

To save time and compare pricing, click here and enter your information. If you currently have coverage, we recommend you duplicate deductibles and limits exactly as they are listed on your policy. This way, you will be getting rate quotes for exact coverage.

Earn discounts on insurance coverage

Some providers do not advertise every discount they offer very clearly, so we researched both the well known and also the lesser-known ways to save on insurance coverage.

  • Paperwork-free – A few insurance coverage companies will give a small break for buying your policy on your computer.
  • Discounts for Federal Employees – Federal government employees could cut as much as 10% off for Continental insurance with some insurance coverage companies.
  • Claim-Free Discount – Good drivers with no accidents pay less when compared with bad drivers.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Sign Early and Save – Some larger companies reward drivers for buying a new policy prior to your current policy expiring. Ten percent is about the average savings.
  • Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up can save up to 15% off PIP or medical payments premium.
  • Homeowners Savings – Owning a home can save a few bucks since owning and maintaining a home shows financial diligence.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic.

Popular insurance coverage companies and some of the premium reductions they offer can be read below.

  • Geico offers discounts for multi-vehicle, military active duty, daytime running lights, membership and employees, five-year accident-free, anti-lock brakes, and seat belt use.
  • Mercury Insurance has savings for multi-car, good student, ease of repair, professional/association, and accident-free.
  • Farmers Insurance has discounts for electronic funds transfer, mature driver, early shopping, switch companies, and pay in full.
  • Auto-Owners Insurance may have discounts that include safe driver, air bags, anti-lock brakes, good student, and teen driver.
  • Liberty Mutual may include discounts for multi-policy, new graduate, safety features, hybrid vehicle, multi-car, and teen driver discount.
  • SAFECO discounts include homeowner, multi-car, anti-theft, bundle discounts, teen safe driver, teen safety rewards, and safe driver.
  • Progressive may offer discounts for homeowner, multi-policy, continuous coverage, online quote discount, multi-vehicle, good student, and online signing.
  • USAA includes discounts for military installation, annual mileage, defensive driver, family discount, and multi-vehicle.

Before buying, ask each company to apply every possible discount. Savings may not apply to policyholders in every state. If you would like to choose from a list of providers who offer cheap insurance coverage quotes, click here.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • Where can I find DUI or SR-22 insurance?
  • What is the ISO rating for a 1996 Lincoln Continental?
  • Which companies will insure high-risk drivers?
  • Does having multiple vehicles earn me a discount?
  • Should I sign the liability waiver when renting a car?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

What insurance coverages do you need?

Knowing the specifics of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to a person or their property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like funeral expenses, medical services, bail bonds and legal defense fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage resulting 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 protects against claims like backing into a parked car, crashing into a ditch, driving through your garage door, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like dental work, nursing services, surgery and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from flooding and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Continental.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Saving money is sweet as honey

Consumers switch companies for a number of reasons such as delays in responding to claim requests, delays in paying claims, poor customer service and extreme rates for teen drivers. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented a lot of techniques to shop for 1996 Lincoln Continental insurance online. The most important thing to understand is the more you quote insurance coverage, the higher the chance of saving money. Drivers may discover the best price on insurance is with some of the smallest insurance companies.

When searching for cheaper insurance coverage quotes, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where an insured cut collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal is to purchase plenty of coverage at an affordable rate while still protecting your assets.

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