2017 Lincoln Continental Insurance Rates – 7 Policy Discounts

Shoppers have many options when shopping for the lowest priced Lincoln Continental insurance. You can either spend your time driving around getting price quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to buy insurance coverage and we’ll show you the absolute fastest way to quote coverages for a new or used Lincoln and obtain the lowest possible price either online or from local insurance agents.

It’s a great practice to compare rates at least once a year because rates tend to go up over time. Despite the fact that you may have had the best price for Continental coverage last year the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance coverage on the web, but by reading this article, you’re going to learn some great ways to stop overpaying for insurance.

Cheap Insurance Comparisons

There are a variety of methods to compare 2017 Lincoln Continental insurance prices and some are less labor-intensive and much quicker. You could spend the better part of a day driving to insurance companies in your area, or you could use the web for quick rates.

Most of the larger companies participate in a marketplace where prospective buyers complete one form, and each participating company returns a rated price based on that data. This prevents consumers from doing quote requests to every company.

To get comparison pricing now click here (opens in new window).

The one downside to doing it this way is you cannot specify which insurance companies you will receive quotes from. So if you want to choose from a list of companies for rate comparison, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, double check that you are using identical coverage information on every quote you get. If you are comparing unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate.

More discounts equal less premium

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. Some trigger automatically when you complete an application, but some may not be applied and must be specifically requested prior to getting the savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing online.
  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Discount for Swiching Early – Select companies give a discount for signing up before your current expiration date. The savings is around 10%.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Continental coverage than drivers with accident claims.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for Continental coverage with select insurance companies.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will cut the cost of coverage.

For a list of providers with the best auto insurance discounts, follow this link.

It’s not one size fits all

When choosing the best car insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique.

For example, these questions may help you determine whether you would benefit from professional advice.

  • Is my custom paint covered by insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Should I put collision coverage on all my vehicles?
  • Does coverage extend to my business vehicle?
  • What discounts do I qualify for?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is upholstery damage covered by car insurance?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Beware of misleading auto insurance ads

Drivers constantly see and hear ads for cheaper car insurance from the likes of Allstate, Geico and Progressive. They all seem to make an identical promise of big savings if you move your coverage to them.

How can each company say the same thing?

Insurance companies have a certain “appetite” for the right customer that earns them a profit. A good example of a preferred risk could be between 30 and 50, has no tickets, and drives less than 10,000 miles a year. Any driver who meets those qualifications receives the best rates and as a result will probably save when they switch companies.

Consumers who don’t measure up to these standards will be charged higher rates which leads to the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that much. That is how insurance companies can confidently advertise the savings.

That is why drivers must get as many quotes as possible. It’s just too difficult to predict which insurance companies will have the lowest Lincoln Continental insurance rates.

Auto insurance coverage breakdown

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

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

Collision insurance covers things like hitting a mailbox, sustaining damage from a pot hole, backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, vandalism, damage from flooding, fire damage and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like chiropractic care, rehabilitation expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – This coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, pain and suffering and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Lincoln Continental.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Cheaper insurance is a realistic goal

People who switch companies do it for any number of reasons including high prices, policy non-renewal, extreme rates for teen drivers or even being labeled a high risk driver. It doesn’t matter why you want to switch switching car insurance companies can be pretty painless.

Cost effective 2017 Lincoln Continental insurance is available on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an insured cut uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at a price you can afford.

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