1998 Lincoln Continental Car Insurance Rates

Want cheaper insurance coverage rates for your Lincoln Continental? No one looks forward to paying for insurance coverage, especially knowing the price is too high.

Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates to get the best rates possible.

If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Finding the best rates is easy if you know what you’re doing. But consumers do need to know how the larger insurance companies sell online because it can help you find the best coverage.

Don’t overlook these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically when you purchase, but lesser-known reductions have to be requested specifically before you get the savings.

  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Continental coverage depending on your company.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Homeowners Pay Less – Owning a home may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiration. It can save you around 10%.
  • Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will bring down the cost of coverage.

A partial list of companies that may have these benefits are:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not be available in every state.

Is my situation unique?

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • At what point should I drop full coverage?
  • Are rental cars covered under my policy?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when delivering products for my home-based business?
  • How can I force my company to pay a claim?
  • Am I covered when driving someone else’s vehicle?
  • When can my company non-renew my policy?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Do car insurance companies bend the truth?

Geico, State Farm and Progressive regularly use ads on TV and radio. All the companies say the same thing that you can save if you move your coverage to them. How can each company make the same claim? This is how they do it.

Different companies have a certain “appetite” for the type of customer that is profitable for them. A good example of a driver they prefer could possibly be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don’t measure up to these standards will be quoted a more expensive rate and this can result in the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save that much. That is how companies can truthfully claim big savings.

This emphasizes why it’s extremely important to get as many comparisons as possible. It’s just too difficult to predict which insurance companies will provide you with the cheapest Lincoln Continental insurance rates.

Car insurance 101

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, hail damage, a broken windshield, rock chips in glass and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability

Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

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 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, medical expenses, bail bonds, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, sideswiping another vehicle, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like hospital visits, EMT expenses, chiropractic care, doctor visits and surgery. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

A little work can save a LOT of money

We’ve covered some good ideas how you can shop for 1998 Lincoln Continental insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a lesser-known regional company. They may cover specific market segments cheaper as compared to the big name companies such as Progressive and Geico.

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Much more information about auto insurance is available on the following sites: