Lower Your 1999 Lincoln Continental Insurance Rates

I really doubt anyone looks forward to paying for insurance coverage, especially when they could get a better deal. Numerous auto insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to get the lowest rate

If you have a current insurance coverage policy or are just looking to switch companies, you can follow these tips to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners only need an understanding of the proper methods to shop online.

The best way to get policy rate comparisons is to realize auto insurance companies participate in a system to give rate comparisons. To get started, all you need to do is provide information including the ages of drivers, if you lease or own, if you are currently licensed, and daily mileage. Those rating factors gets sent immediately to many different companies and they return cost estimate very quickly.

To start a quote now, click here and find out if you can get cheaper insurance.

When to get professional advice

When it comes to choosing the best insurance coverage, there really is no best way to insure your cars. Every situation is different and your policy should reflect that. For instance, these questions may help highlight if you may require specific advice.

  • Am I covered when driving in Canada or Mexico?
  • Should I have a commercial auto policy?
  • Is there coverage for injuries to my pets?
  • Can I afford low physical damage deductibles?
  • Are rental cars covered under my policy?
  • Can my teen drive my company car?

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 an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

The coverage is in the details

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from 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 such as theft, rock chips in glass, damage from getting keyed, fire damage and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This coverage pays for damage to your Continental resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, rolling your car, driving through your garage door and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as structural damage, repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills like dental work, prosthetic devices, surgery and pain medications. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage