View 2006 Lincoln LS Insurance Quotes

Trying to find the cheapest insurance for a new or used Lincoln LS can be a painful process, but you can use a few tricks and make it easy. There is a better way to compare insurance coverage rates and you need to know the quickest way to price shop coverage for a new or used Lincoln and locate the lowest possible price from local insurance agents and online providers.

It’s a good idea to get comparison quotes every six months because rates are variable and change quite frequently. Despite the fact that you may have had the best price for LS insurance a few years ago there is a good chance you can find better rates now. Block out anything you think you know about insurance coverage because you’re about to find out the right way to find great coverage at a great price.

Finding the best rates is not that difficult. If you have a current auto insurance policy or need new coverage, you can use these techniques to get lower rates while maintaining coverages. Drivers just need to learn the proper methods to shop their coverage around over the internet.

How to Get Insurance

Getting a lower price on 2006 Lincoln LS insurance is actually quite simple. The only requirement is to invest a little time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

  • One of the best ways to find low rates is a comparison rater form (click to open form in new window). This type of form saves time by eliminating repetitive form entry to each individual insurance company. Just one form will return quotes from all major companies. This is perfect if you don’t have a lot of time.
  • A less efficient way to analyze rates is to manually visit each individual company website to request a price quote. For instance, we’ll assume you want to compare Allstate, Safeco and Travelers. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The least recommended way of comparing rate quotes is to drive around to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the personal advice only provided by licensed agents. It is possible to compare online quotes but still have the advice of a local agent. We’ll cover that shortly.

Which method you use is up to you, but ensure you are comparing exactly the same deductibles and coverage limits on every quote you get. If you use different deductibles it will be impossible to make an equal comparison.

Are you getting all your discounts?

Car insurance companies don’t list every discount very well, so here is a list some of the best known and the more hidden discounts you could be receiving. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Drivers Education – Have your child complete a driver education course if offered at their school.
  • Accident Waiver – Certain companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Use Seat Belts – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

To see a list of insurers offering auto insurance discounts, click here to view.

When might I need an agent?

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions can aid in determining if you might need an agent’s assistance.

  • When can I cancel my policy?
  • Am I missing any policy discounts?
  • Am I covered if hit by an uninsured driver?
  • Does car insurance cover theft of personal property?
  • Am I covered when using my vehicle for business?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I hit a deer?
  • Why am I required to buy liability insurance?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Lesser-known factors impacting Lincoln LS insurance rates

Consumers need to have an understanding of the different types of things that go into determining car insurance rates. Having a good understanding of what determines base rates enables informed choices that may reward you with lower car insurance prices.

  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage can get your license suspended and car insurance companies will penalize you for letting your coverage have a gap. And not only will your rates increase, but not being able to provide proof of insurance will get you a license revocation or jail time.
  • Lower miles equals lower premium – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on their usage. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your car insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money. Incorrect usage on your LS can result in significantly higher rates.
  • Do you have enough liability coverage? – Liability coverage provides coverage if you are found to be at fault for damages caused by your negligence. It will provide for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • Do you know you’re credit rating? – Your credit score is a big factor in determining what you pay for car insurance. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower ratings. If your credit history is low, you could be paying less to insure your 2006 Lincoln LS by improving your credit score.
  • Big city or small town – Choosing to live in small towns and rural areas can be a good thing when talking about car insurance. City drivers have to deal with much more traffic and longer commute times. Fewer drivers translates into fewer accidents.
  • Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. They both have accidents at about the same rate, but men tend to have more serious accidents. Men also receive more costly citations such as reckless driving.
  • How many coverages with the same company – Most insurance companies will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other company rates to verify if the discount is saving money.
  • Older drivers save more – Older drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Teen drivers are known to get distracted easily behind the wheel therefore car insurance rates are much higher.

Insurance coverage options for a 2006 Lincoln LS

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like ambulance fees, doctor visits, nursing services, X-ray expenses and surgery. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

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. It can pay for medical payments for you and your occupants and also any damage incurred to your Lincoln LS.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This will pay to fix damage to your LS resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, crashing into a ditch, colliding with another moving vehicle, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, hitting a bird, a tree branch falling on your vehicle and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

This coverage can cover damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things like legal defense fees, emergency aid, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Quote more, save more

Affordable 2006 Lincoln LS insurance is possible on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. 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.

Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, high prices, being labeled a high risk driver and even policy non-renewal. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

When you buy insurance online, never skimp on coverage in order to save money. Too many times, an accident victim reduced liability coverage limits only to regret they didn’t have enough coverage. Your aim should be to find the BEST coverage at an affordable rate.

Additional insurance coverage information is located below: