Lower Your 1998 Lincoln Town Car Insurance Rates

Trying to find better auto insurance rates for your Lincoln Town Car? Purchasing more affordable auto insurance on the web may be rather challenging for vehicle owners new to online price comparisons. With so many options of insurers to choose from, how can anyone even start to compare them all to find the best price?

You should take the time to get comparison quotes on a regular basis since prices change frequently. Despite the fact that you may have had the lowest rate for Town Car coverage a few years ago there may be better deals available now. Block out anything you think you know about auto insurance because we’re going to show you the best methods to lower your annual insurance bill.

This information will help you learn the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. But vehicle owners can benefit from knowing how insurance companies sell online and use this information to your advantage.

How much is insurance coverage?

There are several ways you can shop for insurance coverage and some are less labor-intensive and much quicker. You could spend your day driving to insurance companies in your area, or you can stay home and use the web to maximize your effort.

Many of the larger companies belong to a marketplace that enables customers to only type in their quote data once, and each company returns a competitive quote based on that data. This prevents consumers from doing quote requests for each company you want a rate for.

To compare rates using this form now click here to open in new window.

The one disadvantage to pricing coverage this way is you are unable to specify which providers to get pricing from. If you prefer to choose from a list of companies to compare, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverage information for every company. If you have different values for each quote then you won’t be able to determine which rate is truly the best. Just a small difference in coverage limits could skew the results. It’s important to know that comparing more quotes helps increase your odds of locating a lower rate. Some companies don’t provide price estimates online, so it’s necessary to compare rates from the smaller companies as well.

Auto insurance policy discounts you can’t miss

Auto insurance companies do not advertise their entire list of discounts very clearly, so the list below gives a summary of a few of the more well known and the harder-to-find credits available to bring down your rates.

  • Sign Early and Save – Some larger companies give discounts for switching policies prior to your current policy expiring. Ten percent is about the average savings.
  • Telematics Data – Insureds who allow their company to study where and when they drive by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they have good driving habits.
  • College Student Discount – Youth drivers who are enrolled in higher education away from home and do not take a car to college can receive lower rates.
  • Accident Free – Drivers with accident-free driving histories have much lower rates in comparison with accident-prone drivers.
  • Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more for Town Car coverage than drivers with accident claims.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
  • Pay Early and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.

As a sidenote, most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount should help lower your auto insurance premiums.

Popular auto insurance companies and a summarized list of policyholder discounts include:

  • Geico may have discounts that include good student, anti-theft, five-year accident-free, driver training, air bags, and military active duty.
  • Travelers has savings for hybrid/electric vehicle, payment discounts, home ownership, save driver, early quote, and good student.
  • Farm Bureau offers discounts for driver training, good student, safe driver, multi-policy, renewal discount, 55 and retired, and youthful driver.
  • Liberty Mutual offers premium reductions for newly married, teen driver discount, multi-car, safety features, and new move discount.
  • American Family offers discounts including good driver, TimeAway discount, multi-vehicle, Steer into Savings, and good student.
  • Progressive may offer discounts for continuous coverage, good student, online quote discount, online signing, multi-policy, multi-vehicle, and homeowner.

When quoting, ask all the companies to apply every possible discount. Some discounts listed above might not be offered in your area. To see a list of insurers who offer online auto insurance quotes, click this link.

Insurance agents can help

When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • Am I covered when delivering products for my home-based business?
  • Are my tools covered if they get stolen from my vehicle?
  • Are rock chip repairs covered?
  • What are the best liability limits?
  • Does liability extend to a camper or trailer?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

Learn how to quote car insurance at a discount

Lots of factors are part of the calculation when you quote your car insurance policy. Some are obvious such as your driving history, but others are more obscure such as your credit history and annual miles driven.

Shown below are some of the things that factor into premiums.

  • Use credit responsibly and save – Having a bad credit score is likely to be a major factor in determining what you pay. Insureds that have high credit scores tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit history could use some work, you could pay less to insure your 1998 Lincoln Town Car by taking the time to improve your credit score.
  • Deter car thieves – Choosing a vehicle that has a built-in theft deterrent system can help bring down rates. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft and help lower rates.
  • Safety first – Cars with high safety ratings cost less to insure. Safe vehicles reduce occupant injuries and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy.
  • Prevent policy lapses – Not maintaining insurance is a misdemeanor and you will pay a penalty because you let your coverage have a gap. And not only will your rates increase, being ticketed for driving with no insurance could earn you a revoked license or a big fine.

The insurance bait and switch

Insurance providers like Allstate and Progressive seem to constantly run ads on television and other media. All the companies convey the message about saving some big amount if you move your insurance policy to them. How does each company give you a better price? This is the way they can do it.

All companies give the best rates for the type of driver that is profitable for them. A good example of a desirable insured might be over the age of 35, is a homeowner, and drives a vehicle with a low ISO rating. A propective insured who meets those qualifications will get the preferred car insurance rates and will also save a lot if they switch.

Potential insureds who do not fit these criteria will get a higher rate with the end result being the customer buying from a different company. The ad wording is “people who switch” not “everyone who quotes” save money. This is how insurance companies can confidently advertise the way they do.

Because of these techniques, it’s extremely important to compare rate quotes every year. It is just not possible to predict which insurance company will have better premium rates than you’re paying now.

Auto insurance coverage information

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for X-ray expenses, prosthetic devices, ambulance fees and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. 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. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

This will cover damage that occurs to people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover 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. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like structural damage, medical services, pain and suffering and court costs. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, damage from flooding, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Collision coverage protection

Collision coverage pays for damage to your Town Car resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Do the work, save more money

We just presented a lot of tips how to compare 1998 Lincoln Town Car insurance rates online. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheaper auto insurance. Consumers could even find that the best rates are with a small local company.

Drivers who switch companies do it for many reasons like unfair underwriting practices, delays in paying claims, high prices or even denial of a claim. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There are too many instances where someone dropped comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your goal should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

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