2000 Lincoln Continental Insurance Rates – 6 Tips for Best Quotes

Trying to find lower insurance coverage rates for your Lincoln Continental? Are you a victim of high-priced insurance coverage? Trust us when we tell you there are many people just like you.

Big-name insurance companies like State Farm, Progressive and Geico increase brand awareness with fancy advertisements and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

Discounts mean cheaper Lincoln Continental insurance rates

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but some may not be applied and must be requested specifically prior to receiving the credit.

  • Life Insurance Discount – Larger companies have better rates if you take out life insurance from them.
  • No Accidents – Drivers who don’t have accidents can earn big discounts compared to drivers who are more careless.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Student in College – Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Senior Discount – Older drivers may receive better auto insurance rates for Continental insurance.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because you may think all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will cut your overall premium however.

For a list of insurance companies offering auto insurance discounts, click here.

Tailor your coverage to you

When buying the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation might need professional guidance.

  • Do I need motorclub coverage?
  • Should I put collision coverage on all my vehicles?
  • How can I get my company to pay me more for my totalled car?
  • Are split liability limits better than a combined single limit?
  • Am I covered when delivering products for my home-based business?
  • What is the rate difference between pleasure use and commuting?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, damage from flooding and damage from getting keyed. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

This covers damage to your Continental resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as legal defense fees, repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects and court costs. How much coverage you buy is your choice, but buy as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as X-ray expenses, prosthetic devices, surgery, pain medications and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2000 Lincoln Continental.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

A fool and his money are soon parted

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced liability coverage limits and found out when filing a claim that it was a big error on their part. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

In this article, we covered many ideas to compare 2000 Lincoln Continental insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with the smaller companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Allstate and Progressive.

More detailed insurance information is located at these sites: