How Much Does 1993 Lincoln Town Car Car Insurance Cost?

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Looking for better car insurance rates for your Lincoln Town Car? Expensive car insurance can take a big chunk out of your bank account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill.

Because there are so many companies to choose from, it can be impossible to choose the most cost effective provider.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. But car owners need to have an understanding of the way insurance companies market insurance on the web and use this information to your advantage.

The most recommended method to compare insurance rates in your area is to know most insurance companies actually pay money for the chance to compare rate quotes. All you need to do is provide the companies a bit of rating information such as if a SR-22 is needed, if it has an alarm system, your general credit rating, and coverage limits. Your insurance information gets transmitted to multiple different insurance companies and you will get price comparisons instantly to find the best rate.

Do I just need basic coverages?

When buying coverage, there really is not a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight whether you might need professional guidance.

  • What vehicles should carry emergency assistance coverage?
  • When does my teenage driver need to be added to my policy?
  • Can I afford low physical damage deductibles?
  • How do I file an SR-22 for a DUI in my state?
  • Do I pay less for low miles?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need replacement cost coverage?
  • Where can I get insurance after a DUI in my state?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage specifics

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Collision insurance

This pays for damage to your Town Car resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hitting a bird, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a deer. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people. It does not 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 commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, emergency aid, legal defense fees and medical services. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Lincoln Town Car.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, X-ray expenses and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

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