Quick Guide to Buying Coverage Online for a Lincoln Zephyr

Consumers have lots of choices when looking for low-cost Lincoln Zephyr insurance. You can either spend your time contacting agents to compare prices or save time using the internet to make rate comparisons.

There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the quickest way to quote coverages for a new or used Lincoln and locate the lowest possible price.

It’s a good idea to do price comparisons periodically due to the fact that insurance prices fluctuate regularly. Even if you think you had the best quotes for Zephyr coverage a year ago you can probably find a better rate now. You can find a lot of misleading information regarding auto insurance online but by reading this article, you’re going to learn some great ways to lower your auto insurance rates.

Which auto insurance is cheapest?

There are multiple methods to compare auto insurance quotes, but one way is more efficient than others. You can spend countless hours talking to insurance agencies in your area, or you can stay home and use online quoting for quick rates.

Most car insurance companies participate in a marketplace where prospective buyers complete one form, and every company then gives them pricing based on that information. This prevents consumers from doing quote requests to every company.

To find out how much you can save on auto insurance click here (opens in new window).

The one downside to getting quotes like this is that you can’t choose the providers you want to price. So if you prefer to pick from a list of companies to receive pricing from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare equivalent coverage information for each comparison quote. If you enter different liability limits it will be impossible to make an equal comparison.

Cheaper rates with these auto insurance discounts

Auto insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that could help you make your next renewal payment. Certain reductions will be credited at the time of purchase, but a few must be requested specifically before they will apply.

• Federal Government Employee – Active or former government employment may qualify for a discount when you for Zephyr coverage with select insurance companies.
• E-sign – A few larger online companies provide a small discount for buying a policy and signing up on the internet.
• Use Seat Belts – Drivers who require all vehicle occupants to use a seat belt can save 10% or more off the medical payments premium.
• Anti-theft System – Cars and trucks that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• Policy Bundle Discount – When you combine your auto and home insurance with one insurance company you could get a discount of up to 20% off your total premium.
• Discount for New Cars – Putting coverage on a new car can get you a discount since newer models are generally safer.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
• Memberships – Participating in qualifying clubs or civic groups could trigger savings when shopping for auto insurance.
• Student in College – Kids living away from home attending college and do not have access to a covered vehicle could qualify for this discount.
• Responsible Driver Discount – Insureds without accidents may save up to 50% more for Zephyr coverage compared to accident prone drivers.

It’s important to note that most discounts do not apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, it just doesn’t work that way.

Popular auto insurance companies and a partial list of their discounts are:

• Travelers has savings for student away at school, home ownership, payment discounts, new car, and hybrid/electric vehicle.
• 21st Century may include discounts for good student, early bird, anti-lock brakes, theft prevention, and 55 and older.
• State Farm includes discounts for defensive driving training, good student, passive restraint, driver’s education, safe vehicle, Steer Clear safe driver discount, and anti-theft.
• GEICO offers premium reductions for driver training, federal employee, daytime running lights, seat belt use, defensive driver, and air bags.
• SAFECO may have discounts that include bundle discounts, safe driver, homeowner, multi-car, anti-lock brakes, accident prevention training, and drive less.
• AAA offers discounts for education and occupation, AAA membership discount, multi-car, multi-policy, good student, and good driver.

Double check with every company which credits you are entitled to. Discounts might not apply in your area. To choose insurance companies with discount auto insurance rates, click here.

Independent or captive insurance agents

Certain consumers just prefer to get professional advice from a licensed agent. Good insurance agents can help you choose the best coverages and will help you if you have claims. The best thing about comparing insurance prices online is that drivers can save money and get cheap auto insurance quotes and still buy from a local agent. And providing support for neighborhood agents is important particularly in small towns and cities.

Once you complete this short form, the quote information gets sent to agents in your area who want to provide quotes and help you find cheaper coverage. It makes it easy because there is no need to drive around as quotes are delivered to you. If you need to get a comparison quote from a specific auto insurance provider, don’t hesitate to navigate to their website and complete a quote there.

To make it easy to find an insurance professional in your neighborhood, see this full listing of auto insurance agencies.

Picking the best insurer shouldn’t rely on just the quoted price. Ask your prospective agent these questions:

• Did they already check your driving record and credit reports?
• Is the agent CPCU or CIC certified?
• Which members of your family are coverage by the policy?
• Do the companies they represent have a solid financial rating?
• How often do they review policy coverages?
• Is there a Errors and Omissions policy in force?

If you feel you receive positive responses and a good coverage price, you’ve probably found an insurance company that will properly insure your vehicles.

One last thing about your coverage

Budget-conscious Lincoln Zephyr insurance is definitely available from both online companies and from local agencies, and you need to price shop both to have the best selection. There are still a few companies who do not offer online quoting and many times these small insurance companies work with independent agents.

When shopping online for auto insurance, do not skimp on critical coverages to save a buck or two. In too many instances, an insured dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your strategy should be to get the best coverage possible at a price you can afford and still be able to protect your assets.

We covered some good ideas how to reduce Lincoln Zephyr insurance premium rates online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies.