View 1993 Lincoln Town Car Insurance Quotes

Cutting costs on auto insurance is nearly impossible for people who are new to comparing rates online. Drivers have so many options available that it can quickly become more work than you anticipated to find the best price.

It’s a great practice to get comparison quotes occasionally since rates change regularly. Even if you got the best deal on Town Car insurance two years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because you’re about to learn the right way to properly buy coverages while reducing your premium.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. The purpose of this article is to instruct you on how car insurance quotes work and some money-saving tips. But vehicle owners benefit from understanding how companies market insurance on the web and use this information to your advantage.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but some must be asked for in order for you to get them.

  • Claim Free – Good drivers with no accidents can save substantially when compared to drivers who are more careless.
  • College Student – Any of your kids who are attending college and do not have a car may qualify for this discount.
  • Safety Course Discount – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% off your medical payments premium.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on Town Car insurance depending on your company.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. But any discount will reduce your premiums.

A partial list of companies that may have some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts may not apply everywhere.

How to Get Cheap Insurance

When shopping for insurance there are multiple ways to compare rate quotes from different insurance companies. The recommended way to find the lowest 1993 Lincoln Town Car rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

One of the best ways to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing separate quotes for each company you want a rate for. One form submission gets rate comparisons instantly. Just one form and you’re done.

A different way to get comparison quotes consists of going to each company’s website to complete their respective quote request forms. For examples sake, let’s assume you want rates from Farmers, Progressive and American Family. You would have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

The least recommended way of comparing rate quotes is to spend time driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you want the personal advice of a licensed agent. However, consumers can find lower rates online but still have the advice of a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just ensure you are comparing the exact same quote information for every quote you compare. If you use different liability limits it’s impossible to determine which rate is truly the best. Having just a slight variation in coverage limits could mean much higher rates. It’s important to know that more quotes provides better odds of finding the best rates.

These factors can influence Lincoln Town Car insurance rates

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get lower auto insurance prices.

Shown below are some of the factors used by your company to calculate your rates.

  • Pleasure use saves money – Driving more miles every year the higher your rates will be. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage get more affordable rates than vehicles that are driven to work every day. Improper usage on your Town Car may be wasting your money. Make sure your auto insurance coverage is showing the proper vehicle usage.
  • Optional equipment can affect rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
  • How your age affects price – Youthful drivers tend to get distracted easily in a vehicle so auto insurance rates are higher. Mature drivers are more responsible, file fewer claims and receive fewer citations.
  • Too many auto insurance claims drive up costs – If you file claims often, you can look forward to higher rates. Insurance companies generally give lower rates to drivers who do not file claims often. Insurance coverage is meant to be used in the event of larger claims.

How to know if you need help

When choosing coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • Is my Lincoln Town Car covered if I use it for business?
  • Do I have coverage when making deliveries for my home business?
  • Do I need replacement cost coverage?
  • Why do I only qualify for high-risk insurance?
  • Should I carry comprehensive and collision coverage?
  • How much liability coverage do I need in my state?
  • How much liability do I need to cover my assets?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount?
  • When would I need rental car insurance?

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 an agent in your area, simply complete this short form.

Is there truth in advertising?

Companies like Allstate, GEICO and Progressive continually stream ads on television and other media. All the ads make an identical promise that you can save after switching your policy. How does each company claim to save you money?

All companies have a certain “appetite” for the right customer that makes them money. For example, a driver they prefer could possibly be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. Any driver who meets those qualifications receives the best rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that much money. This is how companies can advertise the savings.

That is why it is so important to compare many company’s rates. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

Car insurance coverage basics

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Lincoln Town Car.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from getting keyed, hitting a deer, damage from flooding and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses like X-ray expenses, hospital visits, prosthetic devices, EMT expenses and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage covers damage to your Town Car from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter, hitting a mailbox and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability

This coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like bail bonds, medical expenses, attorney fees, loss of income and pain and suffering. How much coverage you buy is up to you, but you should buy higher limits if possible.

You can do this!

Throughout this article, we presented a lot of tips how to save on 1993 Lincoln Town Car insurance. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from an unexpected company.

Insureds switch companies for any number of reasons including unfair underwriting practices, high prices, questionable increases in premium and even delays in paying claims. It doesn’t matter what your reason, switching companies is less work than it seems.

Cheaper insurance can be sourced from both online companies and with local insurance agents, so you should compare both to have the best selection. A few companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Much more information about insurance is located at these links: