2001 Lincoln Continental Insurance Rates

Trying to find better car insurance rates? Buyers have options when searching for the best price on Lincoln Continental insurance. You can either waste hours struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There is a better way to find car insurance online so we’re going to tell you the best way to get price quotes for your Lincoln and get the cheapest rates from local insurance agents and online providers.

It is always a good idea to compare prices once or twice a year since prices tend to go up over time. Just because you found the best deal for Continental coverage a year ago other companies may now be cheaper. There is lot of inaccurate information about car insurance on the web, but in this article, you’re going to get some solid techniques on how to find affordable car insurance.

The purpose of this post is to teach you the best way to quote coverages. If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Vehicle owners only need to know how to get comparison rates on the web.

Which auto insurance is cheapest?

Finding a lower price on 2001 Lincoln Continental insurance can be relatively painless. You just have to spend a few minutes getting comparison quotes to find. This can be done by following the guidelines below.

  • Without a doubt, the easiest way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This form keeps you from doing separate quotation requests for each company you want a rate for. Just one form compares rates from many national carriers.It’s the quickest way to get rates.
  • A slightly less efficient method to analyze rates is going to each company website to complete a price quote. For example, let’s say you need rates from Allstate, Farmers and GMAC. You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but compare identical coverage limits with each company. If each company quotes different deductibles you will not be able to determine the best price for your Lincoln Continental.

Use discounts to get cheaper auto insurance quotes

Some insurance providers do not list the complete list of policy discounts very clearly, so the following list contains both well-publicized as well as some of the hidden discounts that you can inquire about if you buy car insurance online.

  • Discounts for Government Workers – Active or former government employment could provide a small rate reduction for Continental coverage with certain companies.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life insurance policy as well.
  • Theft Prevention System – Cars and trucks that have factory anti-theft systems can help prevent theft so companies will give you a small discount.
  • Driver’s Ed – Cut your cost by having your teen driver sucessfully take a drivers education course if offered at their school.
  • Student Discounts – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Distant Student – Any of your kids who live away from home to go to college and don’t have a car can be insured at a reduced rate.

You can save money using discounts, but most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Larger auto insurance companies and some of the premium reductions they offer are detailed below.

  • Geico has discounts for membership and employees, daytime running lights, air bags, anti-theft, anti-lock brakes, emergency military deployment, and defensive driver.
  • Mercury Insurance may have discounts that include anti-theft, age of vehicle, professional/association, good student, and accident-free.
  • Farmers Insurance may include discounts for youthful driver, mature driver, good student, early shopping, distant student, switch companies, and alternative fuel.
  • Auto-Owners Insurance has savings for multiple vehicles, good student, mature driver, group or association, company car, and anti-theft.
  • Liberty Mutual offers discounts including multi-car, multi-policy, new vehicle discount, newly married, good student, and newly retired.
  • SAFECO offers premium reductions for homeowner, anti-theft, accident prevention training, bundle discounts, drive less, anti-lock brakes, and multi-car.
  • Progressive offers discounts for online signing, multi-policy, homeowner, continuous coverage, good student, online quote discount, and multi-vehicle.
  • USAA policyholders can earn discounts including military installation, family discount, multi-policy, vehicle storage, loyalty savings, annual mileage, and defensive driver.

Before purchasing a policy, check with each insurance company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in your state. To choose auto insurance companies who offer online auto insurance quotes, click here to view.

Insurance premium influencing factors

Many things are part of the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving history, but other factors are not quite as obvious like where you live or your commute time.

  • Deter vehicle theft – Choosing to buy a car with advanced anti-theft systems can save you some money. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft and help bring rates down.
  • Getting married can lower costs – Being married actually saves money on car insurance. Having a significant other may mean you are more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • High comp and collision deductibles cost less – Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your Lincoln. Examples of covered claims would be collision with another vehicle, flood damage, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles state the amount of money you are required to spend out-of-pocket before your car insurance pays a claim. The more you choose to pay out-of-pocket, the less your company will charge you for insurance for Continental coverage.
  • Tickets increase costs – Whether or not you get tickets has a big impact on rates. Drivers with clean records get better prices than people who have multiple driving citations. Even a single moving violation can increase the cost of insurance forty percent or more. Drivers who have gotten careless violations such as DUI, reckless driving or excessive speeding may find that they have to to complete a SR-22 with their state in order to continue driving.
  • Driver age impacts premiums – Mature drivers tend to be more responsible, tend to cause fewer accidents , and are generally more financially stable.Teen drivers are statistically proven to get distracted easily when driving therefore car insurance rates are much higher.
  • Stay claim-free and save – Insurance companies give the best rates to insureds who only file infrequent claims. If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Choose high NHTSA crash test ratings and save – Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company which can result in lower premiums. If your Lincoln Continental scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Do I have newly-aquired coverage?
  • What are the financial responsibility laws in my state?
  • Does my insurance cover my expensive audio equipment?
  • Can my teen drive my company car?
  • Do I need higher collision deductibles?
  • Do I have coverage if my license is suspended?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

But the ad said I’d save 15% in 15 minutes!

Drivers get pounded daily by advertisements that promise big savings for switching by companies like Progressive, Allstate and Geico. All the ads try to convey promises that drivers will save a bundle if you get a free car insurance quote and switch your insurance policy to them.

How is it possible that every company can cost less than your current company? It’s all in the numbers.

All companies have specific characteristics for the type of driver that will add to their bottom line. For instance, this type of driver might be described as between 25 and 40, has a clean driving record, and drives newer vehicles. A customer who fits that profile will get a cheap rate quote and will also cut their rates substantially.

Potential insureds who are not a match for these stringent criteria will get higher premiums and this results in the customer not buying. The wording the ads use say “drivers who switch” not “everyone that quotes” will save that much if they switch. This is how companies can make those claims.

Different companies use different criteria so it is so important to compare as many free car insurance quotes as you can. Because you never know which insurance companies will fit your personal profile best.

Insurance coverage options for a Lincoln Continental

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like dental work, hospital visits, rehabilitation expenses and EMT expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This pays for damage to your Continental resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, colliding with a tree and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability insurance

This coverage can cover damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

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

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix 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 things such as damage from flooding, hail damage, damage from a tornado or hurricane, falling objects and theft. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Get your money’s worth

Lower-priced 2001 Lincoln Continental insurance is definitely available online as well as from independent agents, so get free car insurance quotes from both of them to get a complete price analysis. Some insurance providers do not provide price quotes online and these regional carriers sell through local independent agents.

When searching for cheap car insurance quotes, it’s not a good idea to buy poor coverage just to save money. In many instances, someone dropped liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the best price while not skimping on critical coverages.

In this article, we covered many ways to save on 2001 Lincoln Continental insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding low cost car insurance. You may even discover the biggest savings come from a small local company.

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