2017 Lincoln Continental Car Insurance Cost – 6 Ideas for Best Prices

Trying to find better insurance rates? Buyers have options when searching for the best price on Lincoln Continental insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to compare rates. There is a better way to buy insurance so we’re going to tell you the proper way to get price quotes on a Lincoln and get the cheapest rates from local insurance agents and online providers.

If you are insured now or need new coverage, you can follow these tips to reduce the price you pay while maintaining coverages. The purpose of this article is to tell you how to get online quotes and some money-saving tips. Drivers only need to know the tricks to compare company rates on the web.

Compare insurance rates

Getting a low cost price on 2017 Lincoln Continental insurance isn’t really that difficult. You just need to spend a few minutes comparing price quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This form eliminates the need for separate quote forms for every company. In just a few minutes this one form gets prices estimates from several companies. Recommended for those who want to invest the least amount of time.

A more time consuming way to find lower rates requires a visit to each company website and go through the quote process again. For examples sake, let’s say you want to view quotes from Allstate, Geico and GMAC. In order to get each rate, you would have to spend time going to each site individually to enter your coverage information, which can take a lot of time.

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

The final way to find cheaper rates is to waste gas driving to all the different insurance agencies. Quoting online has reduced the need for local agents unless you’re the type of person who wants the professional advice that can only be provided by a licensed insurance agent. Although you can comparison shop online but buy from a local insurance agent.

Compare rates however you want, just do your best to use exactly the same coverage limits and deductibles on every quote you get. If you use higher or lower deductibles then you won’t be able to make an equal comparison.

Smaller companies may have the best rates

Consumers can’t avoid all the ads for the lowest price insurance by Progressive, Geico, Allstate and State Farm. All the companies advertise claims about savings just by moving your policy.

How is it plausible that every one can make almost identical claims? This is the trick they use.

All the different companies look for specific characteristics for the type of customer that will most likely be profitable. For instance, a driver they prefer might be a married male, insures multiple vehicles, and drives a safe vehicle. Anybody that matches those criteria will get low prices and therefore will save some money.

Potential insureds who do not meet those standards will get more expensive rates and business not being written. The ad wording is “drivers that switch” not “everyone that quotes” can save as much as they claim. That’s why insurance companies can confidently make claims that they all have the best rates. Because of the profiling, drivers must get insurance coverage quotes as often as possible. It is impossible to guess which company will have the best prices at this point in time.

More affordable rates with these six discounts

Insurance is not inexpensive, but you can get discounts that many consumers don’t even know exist. A few discounts will automatically apply at quote time, but some must be manually applied before being credited.

  • Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Responsible Driver Discount – Insureds who avoid accidents could pay up to 40% less on Continental insurance as compared to drivers with claims.
  • Low Mileage Discounts – Low mileage vehicles could earn lower premium rates on the low mileage vehicles.
  • Telematics Devices – Drivers that enable their insurance company to scrutinize their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as the data is positive.
  • Sign Early and Save – A few larger companies give discounts for switching companies before your current policy expires. The savings is around 10%.
  • Own a Home – Owning a house can get you a discount because it is proof that your finances are in order.

Don’t be shocked that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, insurance companies wouldn’t stay in business.

To find insurance companies who offer free insurance quotes, click here.

Insurance coverage can be complex

When it comes to choosing coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions may help you determine whether or not you will benefit from professional help.

  • Why do I only qualify for high-risk insurance?
  • Is my teenager covered with friends in the car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is a blown tire covered by insurance?
  • Does my 2017 Lincoln Continental qualify for pleasure use?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverages for a Lincoln Continental

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical expense coverage

Med pay and PIP coverage kick in for expenses like rehabilitation expenses, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, fire damage, hail damage and theft. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Lincoln Continental.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision insurance

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

Collision coverage protects against things such as colliding with another moving vehicle, hitting a parking meter, crashing into a building, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverage

This will cover damage or injury you incur to people or other property that is your fault. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, legal defense fees, repair bills for other people’s vehicles, attorney fees and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Final considerations

Drivers who switch companies do it for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, unfair underwriting practices or even policy non-renewal. Regardless of your reason for switching companies, switching companies is less work than it seems.

We covered some good ideas how to get a better price on 2017 Lincoln Continental insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting the cheapest insurance coverage. Drivers may discover the biggest savings come from a smaller regional carrier.

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

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