Lower Your 2018 Lincoln Continental Car Insurance Quotes in 2024

Being forced to pay for overpriced insurance premiums can sap your checking account and make it tough to pay other bills. Shopping your coverage around is a smart way to cut your insurance bill.

Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company and get the best coverage at the lowest price

The most recommended method to compare rates is to realize most of the larger companies actually pay money for the chance to give free rates quotes. The only thing you need to do is provide information including coverage limits, how old drivers are, if your license is active, and if the car is leased. The rating information gets transmitted to insurance companies and you get price estimates within a short period of time.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions could help you determine whether or not you might need professional guidance.

• Are my friends covered when driving my 2018 Lincoln Continental?
• Do I need PIP coverage since I have good health insurance?
• Should I rate my 2018 Lincoln Continental as pleasure use or commute?
• Should I buy more coverage than the required minimum liability coverage?
• Does my insurance cover my expensive audio equipment?
• Is my ex-spouse still covered by my policy?
• When would I need additional glass coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete your zip code.

What car insurance coverages do you need?

Having a good grasp of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from car insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as chiropractic care, dental work and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

This will cover damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims such as funeral expenses, emergency aid and structural damage. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision protection

Collision coverage will pay to fix damage to your Continental from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, scraping a guard rail, sideswiping another vehicle, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, a tree branch falling on your vehicle, hail damage and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.