1991 Lincoln Continental Insurance Rates – 6 Policy Discounts

Are you intimidated by the wide range of car insurance company choices? Many other consumers are too. There are so many options available that it can be a challenge to find the lowest price.

Consumers need to take a look at other company’s rates once or twice a year since insurance rates are usually higher with each renewal. Even if you think you had the best price on Continental insurance a couple years back there may be better deals available now. So just forget all the misinformation about car insurance because you’re going to get a crash course in the fastest way to remove unneeded coverages and save money.

Cut prices on Lincoln Continental insurance

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for before being credited.

  • Student in College – Children who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiration. The savings is around 10%.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks just for signing your application online.
  • Homeowners Pay Less – Owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Drive Less and Save – Fewer annual miles on your Lincoln could qualify for discounted rates on garaged vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will cut the amount you have to pay.

Insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask each company which discounts they offer. Savings may not be available in your state.

Tailor your coverage to you

When buying proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

  • Is my 1991 Lincoln Continental covered for smoke damage?
  • Are my friends covered when driving my car?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need roadside assistance coverage?
  • Are split liability limits better than a combined single limit?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving on a suspended license?
  • Do I need rental car coverage?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Do you really save 40% when you switch?

Insurance coverage companies such as State Farm, Allstate and Geico constantly bombard you with television and radio advertisements. They all seem to have a common claim about savings if you switch your coverage to them. How can each company make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of customer that earns them a profit. An example of a driver they prefer could be between 30 and 50, owns a home, and chooses high deductibles. A driver that hits that “sweet spot” will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t measure up to these standards must pay higher premiums and this can result in the customer not buying. The ad wording is “people who switch” not “people who quote” save that much money. This is how insurance companies can confidently advertise the savings.

This illustrates why it is so important to get quotes from several different companies. It’s not possible to predict which insurance coverage company will fit your personal profile best.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for liability – Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair costs for stationary objects, court costs, bail bonds, attorney fees and loss of income. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Comprehensive or Other Than Collision – This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle, hitting a bird, vandalism and hitting a deer. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1991 Lincoln Continental.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like hospital visits, prosthetic devices, doctor visits, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Feed the piggy bank

You just read quite a bit of information on how to get a better price on 1991 Lincoln Continental insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest rates come from the least-expected company.

Cost effective insurance is definitely available on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance coverage companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

People who switch companies do it for many reasons like being labeled a high risk driver, policy non-renewal, high rates after DUI convictions and even questionable increases in premium. Regardless of your reason for switching companies, finding a great new company is pretty easy and you might even save some money in the process.

Additional detailed information can be read in the articles below: