2005 Lincoln Town Car Insurance Rates

Trying to find lower insurance rates for your Lincoln Town Car? Did you make the mistake of buying an underperforming, overpriced insurance policy? Don’t feel bad because you’re not alone.

Many car insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the definite cheapest price

How to buy auto insurance

Most larger insurance companies give coverage prices directly from their websites. Getting quotes is pretty easy because it’s just a matter of typing in the coverage amounts you desire into the form. After you submit the form their system collects your driving record and credit report and gives you a price quote based on the information you submitted. This streamlines rate comparisons, but the time it takes to visit several different sites and fill out multiple forms gets old quite quickly. But it is imperative to compare as many rates as possible in order to find the best price possible.

A quicker way to lower your rates uses one simple form that obtains quotes from several companies at one time. It saves time, eliminates repetitive work, and makes online price comparison much simpler. Immediately after you send the form, it is quoted and you are able to buy your choice of the quote results.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process takes 15 minutes at the most and may save quite a bit of money.

If you want to compare pricing, click here to open in new window and complete the simple form. To compare your current rates, we recommend you type in deductibles and limits identical to your current policy. Doing this guarantees you will be getting an apples-to-apples comparison for similar coverage.

Find discounts on insurance

Insurance is easily one of your largest bills, but you might already qualify for some discounts to help offset the cost. Certain credits will be shown at the time of quoting, but some may not be applied and must be inquired about before you get the savings.

Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and will save you 10% or more.
Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may get savings of 20% or more.
Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Town Car insurance than drivers with accidents.
Accident Waiver – This one is not really a discount per se, but some companies like Allstate and Progressive will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
Seat Belt Discounts – Requiring all passengers to buckle up before driving could save 15% off the personal injury premium cost.
ABS Brakes – Vehicles with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
Smart Student Discounts – Excelling in school can get you a discount of up to 25%. The discount lasts up to age 25.
Driver Training Discounts – Taking part in a defensive driver course can save you 5% or more depending on where you live.

It’s important to note that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.

To see a list of insurance companies who offer cheap insurance quotes, follow this link.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

If my 2005 Lincoln Town Car is totaled, can I afford another vehicle?
Should I carry comprehensive and collision coverage?
What is the difference between comprehensive and collision coverage?
Should I bundle my homeowners policy with my auto?
Are there companies who specialize in insuring high-risk drivers?
I have a DUI can I still get coverage?
Will my insurance pay for OEM parts?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage options for a Lincoln Town Car

Knowing the specifics of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from car insurance companies.

Comprehensive or Other Than Collision

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

Comprehensive insurance covers claims such as damage from a tornado or hurricane, a broken windshield, damage from flooding, hitting a bird and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability insurance protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles, court costs and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Lincoln Town Car.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like funeral costs, prosthetic devices and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage