2006 Lincoln LS Insurance Quotes

No one likes paying for car insurance, especially knowing the cost is too high. Online insurance companies like Allstate, Progressive and Geico continually hit you with ad campaigns and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

It’s important to shop coverage around once or twice a year because insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal for LS coverage two years ago a different company probably has better rates today. So ignore everything you know about car insurance because you’re going to learn the right way to properly buy coverages and cut your premium.

If you have a policy now or are looking for a new policy, you can learn to cut your premiums and still get good coverage. Buying car insurance is not that difficult. Drivers just need to learn how to shop their coverage around on the web.

Vehicle Insurance Comparison

Cutting your insurance rates is a fairly straight forward process. All that’s required is to spend a few minutes to get quotes online with multiple companies. This can be done in a couple of different ways.

  • The best way to get quotes is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do boring form submissions for each company you want a rate for. Just one form gets you price quotes from all major companies.
  • A slightly less efficient method to obtain and compare quotes online is spending the time to visit the website of each company to complete a price quote. For example, we’ll assume you want rates from Progressive, Geico and Allstate. You would have 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.

Whichever way you use, ensure you’re using apples-to-apples information for every company. If you have different values for each quote it will be next to impossible to determine the best price for your Lincoln LS.

Discounts are available to cut your rates

Insuring your fleet can be pricey, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically at the time of purchase, but lesser-known reductions have to be inquired about prior to getting the savings. If they aren’t giving you every credit available, you are throwing money away.

  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Accident Free – Claim-free drivers pay much less as compared to bad drivers.
  • Homeowners Discount – Owning a house may earn you a small savings because owning a home requires personal responsibility.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for LS coverage with a few insurance companies.

Consumers should know that many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

Insurance companies who might offer these money-saving discounts include:

Check with all companies you are considering which discounts they offer. Discounts might not be offered in every state.

Everyone needs different coverages

When buying the right insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.

  • What is medical payments coverage?
  • Is upholstery damage covered by car insurance?
  • How much liability do I need to cover my assets?
  • Am I covered when delivering products for my home-based business?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does insurance cover damages from a DUI accident?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

These factors can influence Lincoln LS insurance rates

Consumers need to have an understanding of the factors that go into determining your car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with better car insurance rates.

  • Extra add-on coverages are wasting money – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for roadside assistance, accidental death and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so eliminate them to save money.
  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Lincoln LS earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Your spouse saves you money – Having a wife or husband actually saves money when buying car insurance. Marriage is viewed as being more mature and it’s statistically proven that married couples file fewer claims.
  • Multi-policy discounts can save money – The majority of insurers provide better rates to customers who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to make sure you are getting the best deal. Consumers may find better rates by buying car insurance from a different company.
  • Your car insurance rates can be influenced by your job – Occupations such as doctors, architects and accountants tend to have higher rates than average because of high stress and lots of time spent at work. On the flip side, occupations like farmers, athletes and retirees receive lower rates for LS coverage.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, Allstate and Geico. They all seem to make the same claim that you’ll save big if you move to them.

How can each company make almost identical claims?

Different companies are able to cherry pick for the driver that earns them a profit. A good example of a preferred risk could possibly be over the age of 40, owns a home, and drives newer vehicles. A propective insured that hits that “sweet spot” will qualify for the lowest rates and therefore will save a lot of money.

Consumers who fall outside the “perfect” profile will have to pay higher prices and this can result in business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That is how companies can state the savings.

Because of the profiling, drivers should get quotes from several different companies. It’s impossible to know the company that will give you the biggest savings on Lincoln LS insurance.

Coverage specifics

Understanding the coverages of a car insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average car insurance policy.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills such as pain medications, X-ray expenses, dental work, rehabilitation expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This will pay to fix damage to your LS from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, rolling your car, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, damage from a tornado or hurricane, fire damage and rock chips in glass. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Lincoln LS.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability

Liability coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, 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. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like bail bonds, medical services, funeral expenses, pain and suffering and loss of income. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Shop. Compare. Save.

Lower-priced 2006 Lincoln LS insurance is attainable online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice collision coverage only to find out that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

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