1993 Lincoln Continental Insurance Rates

Expensive auto insurance can drain your bank account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. With consumers having so many different company options, it’s difficult to locate the cheapest insurer.

Do you qualify for a discount?

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so here is a list both the well known as well as the least known ways to save on auto insurance. If you aren’t receiving every discount possible, you are throwing money away.

  • Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • No Charge for an Accident – A few companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Drive Less and Save – Keeping the miles down on your Lincoln could qualify for lower rates on the low mileage vehicles.
  • Bundle and Save – If you have multiple policies with one insurance company you will save at least 10% off all policies.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of insurers offering auto insurance discounts, click this link.

Some factors that can determine what Lincoln Continental insurance costs

Consumers need to have an understanding of the different types of things that play a part in calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that could result in better auto insurance rates.

Shown below are a partial list of the pieces auto insurance companies consider when setting premiums.

  • Your stress level may be raising your rates – Careers like real estate brokers, social workers and stock brokers are shown to have the highest rates due to stressful work requirements and lengthy work days. On the other hand, occupations like pilots, students and retirees pay the least on Continental coverage.
  • Better crash test results mean better rates – Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Lincoln Continental is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • More claims means more premium – Auto insurance companies generally give discounts to drivers who are claim-free. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Don’t skimp on liability – The liability section of your policy is the coverage that protects you when a jury decides you are liable for damages from an accident. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Where you live can impact rates – Residing in less populated areas can save you money when talking about auto insurance. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. City drivers have traffic congestion and much longer commute distances. More time commuting translates into higher accident risk.

What coverages do I need?

When choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you might need professional guidance.

  • What is medical payments coverage?
  • When should I remove comp and collision on my 1993 Lincoln Continental?
  • What is PIP insurance?
  • Should I sign the liability waiver when renting a car?
  • Does my personal policy cover me when driving out-of-state?
  • What can I do if my company denied a claim?
  • If my pet gets injured in an accident are they covered?
  • I have a DUI can I still get coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Collision coverage protection

This coverage will pay to fix damage to your Continental resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability insurance

Liability coverage will cover damage or injury you incur to a person or their property 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 policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like court costs, loss of income, legal defense fees and repair bills for other people’s vehicles. 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.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists 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 1993 Lincoln Continental.

Since many 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 is a good idea.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills such as prosthetic devices, doctor visits and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Money doesn’t grow on trees

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where drivers have reduced uninsured motorist or liability limits only to regret that they should have had better coverage. Your goal should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Discount 1993 Lincoln Continental insurance can be found from both online companies and with local insurance agents, so you should compare both to have the best selection. Some insurance providers do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

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