Are Your Lincoln Continental Auto Insurance Rates Way Too Expensive?

Consumers have many options when looking for the lowest priced Lincoln Continental insurance. They can either waste time driving around getting price quotes or utilize the internet to find the lowest rates. There are both good and bad ways to shop for auto insurance so you’re going to learn the absolute fastest way to get price quotes for your Lincoln and obtain the best price possible either online or from local insurance agents.

It’s a great practice to compare premium rates on a regular basis because insurance rates are adjusted regularly by insurance companies. Even if you got the lowest premium rates on Continental insurance on your last policy you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to demonstrate the only way to find the best coverage while lowering your premiums.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. But consumers do need to know how the larger insurance companies determine prices.

Save with these money-saving discounts

Auto insurance is not an enjoyable expense, but you can get discounts that can help lower your rates. A few discounts will be applied when you get a quote, but a few need to be requested specifically before you will receive the discount.

• Lower Rates for Military – Being on active duty in the military can result in better premium rates.
• No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on when compared to drivers who are more careless.
• Anti-theft System – Cars with anti-theft systems are less likely to be stolen and that can save you a little bit as well.
• ABS Braking Discount – Cars that have steering control and anti-lock brakes are safer to drive so companies give up to a 10% discount.
• Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Continental insurance.
• Sign Online – A handful of companies will give you a small discount online.
• Waiver for an Accident – This isn’t a discount exactly, but some insurance companies will turn a blind eye to one accident before raising your premiums if you have no claims for a particular time prior to the accident.
• Onboard Data Collection – Drivers that enable driving data collection to spy on their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they show good driving skills.

Don’t be shocked that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount will help reduce the amount you have to pay.

If you would like to see a list of providers with discount auto insurance rates, follow this link.

When to get professional advice

When choosing coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether you will benefit from professional help.

• Does liability extend to a camper or trailer?
• Do I need rental car coverage?
• What is the difference between comprehensive and collision coverage?
• Do I really need UM/UIM coverage?
• Does my insurance cover a custom paint job?
• Do I need motorclub coverage?
• Does my Lincoln Continental qualify for pleasure use?
• Will I be non-renewed for getting a DUI or other conviction?
• Can I still get insurance after a DUI?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance agents near you

Many drivers would prefer to buy from a local agent and doing that can be a smart decision One of the benefits of getting online price quotes is the fact that drivers can get the lowest rates but still work with a licensed agent.

For easy comparison, once you complete this short form, the quote information is instantly submitted to agents in your area who will give competitive quotes to get your business. There is no need to find an agent due to the fact that quote results will go to you directly. You can find lower rates and work with a local agent. If you want to get a comparison quote from a specific insurance company, don’t hesitate to search and find their rate quote page to submit a rate quote request.

Choosing an company should depend on more than just a cheap price. Below are some questions you should ask.

• Do they have 24-hour customer assistance?
• Are there any discounts for paying up front?
• Which insurance company do they prefer to write with?
• Are claims handled at the agent’s location?
• How long has their agency been in business?
• How does the company pay claims for a total loss?
• Will a damage claim use OEM or aftermarket replacement parts?
• Do they get extra compensation for selling add-on coverages?

If you would like to find local agents, there are a couple of different agency structures and how they work. Auto insurance agents can be classified as either independent or captive.

Captive Agencies

Captive insurance agents can only quote rates from one company such as Allstate, State Farm and Farmers Insurance. They usually cannot shop your coverage around so always compare other rates. They are very knowledgeable on what they offer and that enables them to sell even at higher rates. Consumers frequently use the same agent mainly due to the brand instead of buying on price only.

Independent Agents

Agents of this type can sell policies from many different companies so they have the ability to put coverage with many different companies and find the cheapest rate. If premiums increase, an independent agent can move your coverage and you don’t have to do anything.

When shopping rates, we recommend you compare prices from at least one independent agent to get the most accurate price comparison. Most independent agents also contract with less well-known companies which may have better rates.

To find insurance agents near you, click for a list of insurance agencies near you.

Don’t give up on cheaper rates

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, someone dropped full coverage and discovered at claim time they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Consumers leave their current company for a variety of reasons including high prices, questionable increases in premium, being labeled a high risk driver or even an unsatisfactory settlement offer. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Cheaper auto insurance can be bought online and with local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers may not have rates over the internet and many times these smaller providers only sell through independent insurance agents.