Lower Your 1996 Lincoln Town Car Car Insurance Rates

Searching for lower car insurance rates? Consumers have lots of choices when looking for the lowest priced Lincoln Town Car insurance. You can either spend your time struggling with agents to get rate comparisons or save time using the internet to compare rates. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the best way to compare rates on a Lincoln and locate the lowest possible price.

If you have insurance now or are just looking to switch companies, you can learn to find better prices while maintaining coverages. This article will introduce you to how to get online quotes. Drivers just need to learn the proper methods to compare company rates online.

How to Compare Auto Insurance Costs

Cutting your auto insurance rates doesn’t have to be difficult. Drivers just need to take a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The best way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for multiple quote forms for each company. Just one form will return quotes instantly. Recommended for those who want to invest the least amount of time.
  2. A more difficult way to get comparison quotes is to take the time to go to each company website to request a price quote. For example, let’s assume you want to compare USAA, 21st Century and Farmers. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

However you get your quotes, ensure you’re using apples-to-apples coverage information on every quote you get. If you are comparing different values for each quote it will be next to impossible to determine which rate is truly the best.

Save big with these discounts

Companies offering auto insurance do not list every discount very well, so we break down some of the best known as well as the least known ways to save on auto insurance. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Lincoln could qualify for better rates on cars that stay parked.
  • No Charge for an Accident – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Town Car coverage than drivers with accidents.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Town Car coverage.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.

It’s important to note that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So when it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Companies that may offer these money-saving discounts include:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not be available in your area.

Lincoln Town Car rate determination is complex

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in big savings.

Shown below are a few of the “ingredients” that factor into premiums.

  • Pay less if you’re married – Having a wife or husband can get you a discount when buying car insurance. It translates into being more mature than a single person it has been statistically shown that married couples file fewer claims.
  • What are your deductibles? – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Lincoln from damage. A few examples of covered claims could be running into the backend of another car, collision with an animal, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more expense you have to pay, the less your car insurance will be for Town Car coverage.
  • Your job and insurance rates – Jobs such as real estate brokers, executives and stock brokers tend to have the highest rates attributed to high stress levels and long work days. On the other hand, jobs such as actors, students and retirees receive lower rates for Town Car coverage.
  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. They both tend to get into accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get more serious tickets like DUI and reckless driving.
  • Traffic citations inflate rates – A bad driving record has a huge affect on how much you pay. Even one moving violation may increase your cost by twenty percent. Drivers with clean records get better rates than bad drivers. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the protection if you are found liable for causing damage or personal injury in an accident. It will provide for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • Never let your coverage lapse – Allowing your coverage to lapse is a sure-fire way to increase your car insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Your location affects your rates – Residing in less populated areas is a positive aspect when it comes to car insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. City drivers have to deal with more traffic problems and a longer drive to work. More time on the road means more change of being in an accident.

But I don’t know anything about car insurance

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • How much underlying liability do I need for an umbrella policy?
  • Can I afford to buy a different vehicle if my 1996 Lincoln Town Car is totaled?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • I have a DUI can I still get coverage?
  • What is UM/UIM insurance?
  • Are my friends covered when driving my car?
  • Do I need higher collision deductibles?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

How can State Farm, Allstate and GEICO save drivers who switch?

Drivers can’t ignore all the ads for cheaper car insurance from the likes of State Farm, Allstate and GEICO. All the companies make the same claim about savings if you change your coverage to them.

How do they all say the same thing?

Insurance companies can use profiling for the type of driver that makes them money. A good example of a profitable customer might be profiled as between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Potential insureds who do not match the requirements must pay higher prices and ends up with the customer not buying. The ads state “customers who switch” not “people who quote” save that kind of money. That’s why insurance companies can confidently make those claims. This illustrates why you absolutely need to compare as many rates as you can. You cannot predict the company that will have the lowest Lincoln Town Car insurance rates.

Car insurance 101

Knowing the specifics of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage

Collision coverage pays for damage to your Town Car resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, sustaining damage from a pot hole, crashing into a building, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for hospital visits, EMT expenses, funeral costs, X-ray expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and 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 can be used in place of medical payments coverage

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from flooding and a broken windshield. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like loss of income, emergency aid, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lincoln Town Car.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

A little work can save a LOT of money

People switch companies for a number of reasons such as being labeled a high risk driver, policy non-renewal, delays in responding to claim requests and even lack of trust in their agent. No matter why you want to switch, choosing a new company is not as difficult as it may seem.

Low-cost 1996 Lincoln Town Car insurance is definitely available on the web in addition to many insurance agents, so you should compare both to have the best rate selection. Some companies do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

We just showed you a lot of tips how to compare insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the lowest premiums are with some of the lesser-known companies.

Additional insurance coverage information can be found at these links: