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1991 Lincoln Town Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 1991 Lincoln Town Car are $966 a year for full coverage insurance. Comprehensive costs on average $150 each year, collision costs $216, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,078. Teenage drivers receive the highest rates at $3,908 a year or more.

Annual premium for full coverage: $966

Rate estimates for 1991 Lincoln Town Car Insurance

Comprehensive $150
Collision $216
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1991 Lincoln Town Car models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for a discount liability-only rate to a high rate of $2,078 for a high risk driver.

Liability Only $496
Full Coverage $966
High Risk $2,078

View Chart as Image

1991 Lincoln Town Car insurance rates compared
Column chart showing 1991 Lincoln Town Car insurance prices range from $588 to $3,908 for full coverage

These differences illustrate why all drivers should compare rates based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1991 Lincoln Town Car Insurance

Searching Companies

Paying for high-priced Lincoln Town Car insurance can take a big chunk out of your checking account and make it hard to pay other bills. Comparison shopping is a great way to slash your bill and have more diposable income.

Multiple insurers compete for your business, so it can be very hard to choose a provider and uncover the absolute best rates possible.

You should make it a habit to take a look at other company’s rates occasionally because insurance rates tend to go up over time. Even if you think you had the best price on Town Car insurance on your last policy a different company probably has better rates today. There is too much inaccurate information about insurance on the web, but I’m going to show you some solid techniques on how to put money back in your pocket.

Free Quotes for Auto Insurance

Most major insurance companies such as State Farm, GEICO and Progressive give pricing on their websites. Getting online quotes is pretty painless as you simply enter your required coverages as requested by the quote form. Once you submit the form, their rating system automatically orders your driving and credit reports and generates pricing information. Online price quotes makes it a lot easier to compare rates but having to visit different websites and fill out multiple forms gets old quite quickly. But it is imperative to have as many quotes as possible if you are searching for the best price on auto insurance.

The smarter way to locate the lowest prices is to use a quote form to get prices from many companies. The form is fast, eliminates repetitive work, and makes online quotes much more efficient. After sending the form, it gets priced and you can choose any of the returned quotes.

If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To quickly compare pricing, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you duplicate coverages and limits identical to your current policy. This ensures you are getting a price comparison for exact coverage.

You may need specialized coverage

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For example, these questions may help highlight if you would benefit from professional advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to my business vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Where can I get insurance after a DUI in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I afford to buy a different vehicle if my 1991 Lincoln Town Car is totaled?
  • What if I owe more than I can insure my car for?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

The coverage is in the details

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Collision coverage

This coverage will pay to fix damage to your Town Car resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, backing into a parked car, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses such as funeral costs, EMT expenses, X-ray expenses and doctor visits. They can be used in conjunction with a 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. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln Town Car.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, vandalism, hitting a bird and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like court costs, pain and suffering, bail bonds, emergency aid and attorney fees. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Rates by U.S. City

1991 Lincoln Town Car Insurance Rates by City
City Premium
New York City, NY $1,524
Los Angeles, CA $1,650
Philadelphia, PA $1,291
Jacksonville, FL $1,399
Phoenix, AZ $1,123
Chicago, IL $1,296
Houston, TX $1,513
Seattle, WA $942
Columbus, OH $806
Indianapolis, IN $820

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1991 Lincoln Town Car Insurance Rates by Driver Age
Driver Age Premium
16 $3,908
20 $2,218
30 $982
40 $966
50 $886
60 $868

Full coverage, $500 deductibles

Rates by Deductible

1991 Lincoln Town Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,122
$250 $1,050
$500 $966
$1,000 $882

Full coverage, driver age 40

Rates by Liability Limit

Lincoln Town Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $966
50/100 $1,054
100/300 $1,165
250/500 $1,452
100 CSL $1,099
300 CSL $1,342
500 CSL $1,519

Full coverage, driver age 40

Rates for High Risk Drivers

1991 Lincoln Town Car Insurance Rates for High Risk Drivers
Age Premium
16 $5,498
20 $3,532
30 $2,094
40 $2,078
50 $1,988
60 $1,968

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $129

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $59
5-yr Claim Free $60
Paid in Full/EFT $35
Advance Quote $42
Online Quote $65
Total Discounts $378
Rate after discounts $588

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1991 Lincoln Town Car Insurance Rates by State
State Premium
Alabama $872
Alaska $740
Arizona $802
Arkansas $966
California $1,100
Colorado $922
Connecticut $992
Delaware $1,092
Florida $1,206
Georgia $890
Hawaii $692
Idaho $652
Illinois $720
Indiana $726
Iowa $650
Kansas $918
Kentucky $1,318
Louisiana $1,428
Maine $594
Maryland $796
Massachusetts $774
Michigan $1,676
Minnesota $806
Mississippi $1,156
Missouri $854
Montana $1,038
Nebraska $762
Nevada $1,156
New Hampshire $694
New Jersey $1,078
New Mexico $854
New York $1,016
North Carolina $556
North Dakota $790
Ohio $666
Oklahoma $990
Oregon $884
Pennsylvania $922
Rhode Island $1,286
South Carolina $872
South Dakota $816
Tennessee $846
Texas $1,164
Utah $716
Vermont $660
Virginia $578
Washington $748
West Virginia $884
Wisconsin $668
Wyoming $860

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