1997 Lincoln Continental Car Insurance Quotes – 5 Ways to Save

Shoppers have a choice when shopping for the lowest priced Lincoln Continental insurance. They can either spend hours contacting agents getting price quotes or use the internet to make rate comparisons.

There is a better way to shop for auto insurance and we’ll show you the quickest way to quote coverages for a new or used Lincoln and find the lowest price from local insurance agents and online providers.

Consumers need to do price comparisons yearly since insurance prices fluctuate regularly. If you had the lowest rates for Continental insurance on your last policy other companies may now be cheaper. Ignore everything you know about auto insurance because it’s time to teach you the quickest way to remove unneeded coverages and save money.

The purpose of this post is to tell you how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. Consumers just need to know the best way to get comparison quotes online.

Use discounts on auto insurance

Some providers don’t list their entire list of discounts in a way that’s easy to find, so we break down some of the best known and also the lesser-known credits that may apply to you.

Air Bag Discount – Vehicles with factory air bags may get savings of up to 25% or more.
ABS Braking Discount – Cars and trucks with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
Use Seat Belts – Drivers who require all vehicle occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you could save up to 20% off your total premium.
Paperless Signup – A few larger companies will provide an incentive simply for signing on their website.

As a sidenote, most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride.

Some of the insurance companies that may offer quotes with these discounts include:

When comparing rates, check with each company which discounts they offer. Some discounts listed above might not be offered in your area. To choose insurers with the best auto insurance discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different.

For example, these questions may help highlight whether your personal situation might need professional guidance.

Does car insurance cover theft of personal property?
When should I remove comp and collision on my 1997 Lincoln Continental?
Can I afford to pay high deductible claims out of pocket?
How can I find cheaper teen driver insurance?
Can I rate high risk drivers on liability-only vehicles?
Should I sign the liability waiver when renting a car?
Who is covered when they drive my 1997 Lincoln Continental?
I don’t drive much so do I pay less?
Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance advertisements

Drivers can’t escape the ads for cheaper auto insurance by Geico, State Farm and Progressive. All the companies try to convey promises that you’ll save big just by switching your auto insurance policy to them.

How does every company charge lower premium rates? Just pay attention to how they say it.

All the different companies have strict underwriting profiles for the type of driver that will most likely be profitable. One example of a profitable customer may be between the ages of 40 and 55, has a clear driving record, and drives a car with an anti-theft system. Someone who matches that profile will probably get cheap car insurance rates and will most likely save money with a new company.

Insureds who do not meet the requirements will be charged higher premium rates and ends up with business not being written. Company advertisements say “customers that switch” not “all people who quote” can get the lowest rates when switching. That’s the way insurance companies can claim big savings.

Because of this risk profiling, you should compare many company’s prices. Because without a comparison, you cannot know with any certainty which company will give you the biggest savings.

What insurance coverages do you need?

Learning about specific coverages of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Lincoln Continental.

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 is a good idea. Most of the time these limits are set the same as your liablity limits.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as EMT expenses, funeral costs, surgery, hospital visits and nursing services. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, falling objects, a tree branch falling on your vehicle and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – Collision insurance pays for damage to your Continental resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, sideswiping another vehicle, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverages – This protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like legal defense fees, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Shop smart and save

Budget-friendly auto insurance can be purchased both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies do not offer the ability to get a quote online and many times these small insurance companies provide coverage only through independent agents.

Throughout this article, we presented many tips how you can reduce 1997 Lincoln Continental insurance premium rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest premium rates are with a lesser-known regional company.

Consumers leave their current company for any number of reasons including high prices, denial of a claim, delays in responding to claim requests and being labeled a high risk driver. It doesn’t matter what your reason, finding a great new company is not as hard as you think.