Cheaper 2000 Lincoln Continental Insurance Rates

Looking for lower car insurance rates for your Lincoln Continental? Finding low-cost insurance for your Lincoln Continental could be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to compare car insurance rates and we’ll show you the proper way to compare rates on a Lincoln and find the lowest possible price either online or from local insurance agents.

Finding auto insurance

Comparing auto insurance rates can take time and effort if you don’t know the most efficient way to do it. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

Most car insurance companies take part in a program where prospective buyers send in one quote, and at least one company then gives them pricing based on that data. This saves time by eliminating quotation requests for each company.

To get comparison pricing now click here (opens in new window).

The only downside to pricing coverage this way is that you can’t choose the insurers to receive prices from. So if you want to select individual companies for rate comparison, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare nearly identical coverages and limits for each comparison quote. If the quotes have different deductibles it will be very difficult to make a fair rate comparison.

Situations that may require an agent’s advice

When choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether you may require specific advice.

  • Can I afford low physical damage deductibles?
  • Is my teenager covered with friends in the car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my 2000 Lincoln Continental covered for smoke damage?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is covered by UM/UIM coverage?
  • I have a DUI can I still get coverage?
  • Should I rate my 2000 Lincoln Continental as pleasure use or commute?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages 101

Understanding the coverages of a insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for EMT expenses, rehabilitation expenses, pain medications, funeral costs and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This pays for damage to your Continental resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Lincoln Continental.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people, 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. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, pain and suffering, legal defense fees, structural damage and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.