Cheap 1998 Lincoln Continental Insurance Cost

Trying to find the cheapest insurance coverage rates for your Lincoln Continental? Are you burned out from sacrificing other expenses to make your insurance coverage payment? You have the same problem as most other vehicle owners. With so many options when it comes to insurance coverage, it can be diffult for drivers to choose the lowest price company.

It’s a good habit to do price comparisons yearly because insurance coverage prices change frequently. If you had the best rates for Continental coverage a few years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance coverage because you’re going to learn the proper way to lower your annual insurance bill.

Shopping for more affordable protection is not that difficult. If you are insured now or are shopping for new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Drivers only need an understanding of the most effective way to compare rates online.

Informed drivers can save money

When buying auto insurance it’s important to understand some of the elements that aid in calculating your premiums. When you understand what impacts premium levels, this enables informed choices that may result in lower premium levels.

  • Don’t skimp on liability coverage – Liability insurance is the protection if you are ruled to be at fault for causing personal injury or damage in an accident. It will provide for a legal defense which can be incredibly expensive. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.
  • Eliminate extra coverages – Insurance policies have a lot of extra bells and whistles that may not really be needed but may not be useful. Insurance for vanishing deductibles, high-cost glass coverage, and extra life insurance coverage are some examples. These coverages may sound good when buying your policy, but your needs may have changed so eliminate them to save money.
  • Save money with higher comp and collision deductibles – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if a claim is determined to be covered. Protection for physical damage, also known as collision and other-than-collision, protects your car from damage. Some examples of covered claims would be collision with another vehicle, vandalism, and having a roll-over accident. The more of the claim you are required to pay out-of-pocket, the bigger discount you will receive for Continental coverage.
  • Accidents inflate costs – Being a careful driver has a lot to do with how much you pay for insurance. Drivers who don’t get tickets tend to pay less for car insurance compared to bad drivers. Just one moving violation can boost insurance rates twenty percent or more. Drivers who have received careless violations such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state in order to prevent their license from being revoked.
  • Don’t abuse auto insurance claims – If you’re an insured who likes to file claims you can expect either policy cancellation or increased premiums. Auto insurance companies award cheaper rates to insureds who do not rely on their insurance for small claims. Auto insurance is designed for larger claims.
  • Mature drivers are lower risk – Older, more experienced drivers are more responsible, file fewer claims and get fewer tickets.Inexperience drivers are known to be less responsible when driving with friends and because of this, their auto insurance rates are much higher.
  • Does your job cost you more? – Careers like judgespolice officers and financial analysts are shown to have higher rates than the rest of us due to high stress and extremely grueling work hours. On the other hand, careers such as professors, historians and the unemployed pay the least for Continental coverage.

How to compare auto insurance rate quotes

Many insurance companies like Progressive, Allstate and Geico give insurance quotes from their websites. Comparing rates online is pretty painless as all you need to do is type in the coverage amounts you desire as detailed in the form. When the form is submitted, their system obtains information on your driving record and credit history and provides a quote. This simplifies rate comparisons, but the time required to go to multiple sites and enter the same data into a form is repetitive and time-consuming. But it’s necessary to perform this step if you want to get the lowest auto insurance rates.

There is a better way!

The preferred way to lower your auto insurance bill is to use a quote form that gets price quotes from many companies. The form is fast, reduces the work, and makes online quotes a lot less work. Immediately after you send the form, it is rated with multiple companies and you can pick any of the quotes returned.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

In order to fill out one form to compare multiple rates now, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you type in the coverages as close as possible to your current policy. This guarantees you’re receiving a price comparison for the exact same coverage.

Be skeptical of car insurance ads

Consumers can’t ignore all the ads that promise big savings for switching by companies like Progressive, Allstate and Geico. All the ads make the point that you can save if you move to them.

How is it possible that every company can charge less that you’re paying now? You have to listen carefully.

Insurance companies give the cheapest rates for a prospective insured that will not have excessive claims. One example of a profitable customer should be over the age of 50, has no driving citations, and drives newer vehicles. Anyone who matches that profile will get very good prices and therefore will save when switching.

Consumers who may not quite match the requirements may be required to pay higher prices and ends up with the customer not buying. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” save the amount stated. That’s why insurance companies can make those claims.

This really drives home the point why drivers should do a price quote comparison at every renewal. Because without a comparison, you cannot know the company that will have the best premium rates for your profile.

Take advantage of every insurance discount

Insurance can cost an arm and a leg, but you might find some hidden discounts that could drop your premiums quite a bit. Most are applied at the time you complete a quote, but once in a while a discount must be asked about prior to receiving the credit.

  • Accident Waiver – This one isn’t a discount, but a few companies such as Geico, Allstate and Liberty Mutual permit an accident before your rates go up if your claims history is clear for a certain period of time.
  • Driver Training Discounts – Participating in a class that teaches defensive driving techniques is a good idea and can lower rates if you qualify.
  • Drivers Education – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
  • Low Mileage Discounts – Keeping the miles down on your Lincoln can qualify you for discounted prices on garaged vehicles.
  • Policy Bundle Discount – If you have multiple policies with one insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Discount for Passive Restraints – Factory options such as air bags or motorized seat belts can qualify for discounts as much as 30%.

Discounts lower rates, but most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, you’re out of luck. But any discount will cut the cost of coverage.

A partial list of companies that may offer most of these discounts include:

If you need affordable car insurance quotes, ask every prospective company which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in your area.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • Can my teen drive my company car?
  • Why do I need rental car insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Who is covered when they drive my 1998 Lincoln Continental?
  • Is upholstery damage covered by car insurance?
  • How can I get high-risk coverage after a DUI?
  • Do I need replacement cost coverage on my 1998 Lincoln Continental?
  • Is a blown tire covered by insurance?
  • Am I covered if I break a side mirror?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Collision protection

Collision coverage covers damage to your Continental from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, crashing into a ditch, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, a tree branch falling on your vehicle and hail damage. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from 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 values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical services, loss of income, pain and suffering and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for X-ray expenses, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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 should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Keep this in mind

In this article, we presented a lot of ways to lower your 1998 Lincoln Continental insurance premium rates. The key thing to remember is the more price quotes you have, the better likelihood of getting cheap car insurance. You may even discover the lowest premium rates are with a small mutual company. These companies may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced full coverage only to discover later that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at a price you can afford.

Much more information about insurance coverage can be read at these links: