How Much Does 2002 Lincoln Continental Car Insurance Cost?

Drivers have a choice when trying to find the lowest priced Lincoln Continental insurance. They can either spend hours driving around to compare prices or use the internet to compare rates. There is a better way to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage on a Lincoln and find the lowest price from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you can learn to find the best rates while maintaining coverages. The purpose of this post is to help you learn the most effective way to quote insurance and some money-saving tips. Drivers just need to learn the most efficient way to compare prices online.

Insurance discounts help cut rates

Insuring your vehicles can cost a lot, but you might be missing out on some discounts to reduce the price significantly. Some trigger automatically at the time you complete a quote, but some discounts are required to be specially asked for in order for you to get them.

  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Driver Safety – Taking time to complete a driver safety course can save you 5% or more depending on where you live.
  • Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your insurance coverage quote.
  • E-sign – Many larger companies will give you a small discount for signing up on the web.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, nobody gets a free ride.

A few of the larger companies and the discounts they provide are:

  • Geico has discounts for anti-theft, membership and employees, seat belt use, good student, and driver training.
  • Auto-Owners Insurance may include discounts for safe driver, group or association, safe vehicle, paperless, air bags, anti-theft, and good student.
  • American Family may have discounts that include TimeAway discount, good student, bundled insurance, defensive driver, multi-vehicle, Steer into Savings, and air bags.
  • Esurance offers discounts including multi-policy, Switch & Save, anti-theft, paid-in-full, online shopper, emergency road assistance, and good student.
  • Progressive may offer discounts for online signing, multi-policy, continuous coverage, good student, online quote discount, homeowner, and multi-vehicle.
  • State Farm has savings for Steer Clear safe driver discount, defensive driving training, anti-theft, driver’s education, multiple autos, student away at school, and safe vehicle.
  • AAA offers premium reductions for anti-theft, good student, multi-policy, good driver, and multi-car.

When getting a coverage quote, ask each company which discounts can lower your rates. Discounts might not be offered in every state. To see a list of providers who offer cheap insurance quotes, click here to view.

How to get affordable auto insurance

Reducing your 2002 Lincoln Continental insurance rates is surprisingly easy. Just spend a little time to compare free insurance coverage quotes from some recommended companies. You can get a good selection of rate quotes in just a few minutes using one of these methods.

  • The most recommended method to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for repetitive form entry for each company you want a rate for. A single form will return quotes direct from many companies. It’s the fastest way to compare.
  • A slightly less efficient method to get quotes online requires a trip to each company website and go through the quote process again. For sake of this example, let’s assume you want to get rates from Farmers, Liberty Mutual and State Farm. To get rate quotes you would need to spend time going to each site individually to enter the same coverage data repeatedly, which can get rather old.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverage information on every quote. If you have higher or lower deductibles you can’t possibly make an equal comparison.

How do insurance providers determine Lincoln Continental insurance premiums?

Lots of factors are used in the calculation when you quote your car insurance policy. Some are obvious such as your driving record, although others are more obscure such as whether you are married or your vehicle rating.When buying car insurance it’s important to understand some of the factors that play a part in calculating your car insurance rates. When consumers understand what determines base rates, this helps enable you to make changes that could result in cheaper rates.

  • With age comes lower prices – Teenage drivers are statistically proven to be careless and easily distracted behind the wheel so they pay higher car insurance rates. Having to add a youthful driver to your car insurance policy will cause a huge premium hike. Older, more experienced drivers tend to be more responsible, tend to file fewer claims , and usually have better credit.
  • Single drivers take more risk – Walking down the aisle can actually save you money when buying car insurance. It demonstrates that you tend to be more mature and responsible and statistics prove drivers who are married are more cautious.
  • Do you save by driving less? – The more miles you rack up on your Lincoln annually the higher your rates will be. Most companies charge rates based upon how the vehicle is primarily used. Cars and trucks that have low annual miles receive lower rates than vehicles that have high annual mileage. Improper usage on your Continental may be costing you. Make sure your policy reflects the proper vehicle usage, because it can save money.
  • Women tend to be lower risk – Over the last 30 years, statistics show females are less aggressive when driving. That doesn’t necessarily mean that females are better at driving than males. Both sexes tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get higher numbers of serious violations like DUI and reckless driving.

Which is the best car insurance?

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Does insurance cover tools stolen from my truck?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my insurance cover my expensive audio equipment?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I break a side mirror?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my babysitter drive my car?

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

Advertising myths

Consumers can’t get away from ads for insurance coverage savings by Progressive, Geico, Allstate and State Farm. All the companies advertise the message that people will save after switching your coverage to them.

How can each company have lower policy pricing?

All companies can use profiling for the type of driver that makes them money. An example of this type of driver may be a married female, has had continuous coverage, and drives newer vehicles. Someone that meets those criteria will probably get the lowest car insurance rates and will cut their rates substantially.

People who fall outside the “perfect” profile may be forced to pay a more expensive rate and ends up with the customer buying from someone else. The wording the ads use say “customers that switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can truthfully make those statements. Because of this risk profiling, you should get insurance coverage quotes as often as possible. It’s just too difficult to predict which company will have the lowest rate quotes.

Coverages available on your policy

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Liability coverage

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like emergency aid, legal defense fees and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This coverage pays for damage to your Continental resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses such as ambulance fees, nursing services, rehabilitation expenses, doctor visits and EMT expenses. 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 and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage covers 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 things such as damage from a tornado or hurricane, hitting a deer and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Lincoln Continental.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Power to the consumer

People who switch companies do it for many reasons like denial of a claim, lack of trust in their agent, high rates after DUI convictions and even extreme rates for teen drivers. It doesn’t matter what your reason, switching companies is easier than you think.

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage only to find out that it was a big error on their part. The aim is to get the best coverage possible at the best cost and still be able to protect your assets.

Lower-priced insurance coverage is available online and from local agencies, so you need to quote insurance coverage with both to have the best selection. A few companies do not offer the ability to get quotes online and many times these small, regional companies sell through independent insurance agents.

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