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1995 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 1995 Lincoln Town Car are $966 a year for full coverage insurance. Comprehensive costs approximately $150 each year, collision insurance costs $216, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $2,078. Teenage drivers receive the highest rates at up to $3,908 a year.

Annual premium for full coverage: $966

Rate estimates for 1995 Lincoln Town Car Insurance

Comprehensive $150
Collision $216
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1995 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 the average driver, prices range range from as low as $496 for just liability coverage to a high rate of $2,078 for a driver that may need high-risk insurance.

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

View Chart as Image

1995 Lincoln Town Car insurance rates compared
Column chart showing 1995 Lincoln Town Car insurance prices range from $588 to $3,908 for full coverage

These differences illustrate why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on 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 1995 Lincoln Town Car Insurance

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Expensive auto insurance can drain your bank account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill. Because there are so many options when it comes to auto insurance, it can be hard to locate the most affordable insurer.

Consumers need to do rate comparisons occasionally due to the fact that insurance rates fluctuate regularly. Just because you had the best deal on Town Car insurance a year ago a different company probably has better rates today. You can find a lot of misleading information regarding auto insurance online, so with this article, you’re going to get some great ways to find cheap auto insurance.

Finding affordable coverage is not that difficult. If you are insured now or are shopping for new coverage, you can use these tips to find the best rates while maximizing coverage. Consumers just need to learn the most effective way to shop for car insurance over the internet.

Quick Car Insurance Quotes

Getting a cheaper price on 1995 Lincoln Town Car insurance can be quick and easy. The only thing you need to do is take time to compare quotes from different insurance companies. This can be accomplished in several different ways.

One of the best ways to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate forms to each individual car insurance company. Filling out one form will get you rate comparisons from several companies.

A less efficient way to shop for car insurance online requires you to visit the website of each company to complete their respective quote request forms. For examples sake, let’s assume you want to compare Progressive, GEICO and American Family. You would have to spend time on each company’s site and enter your information, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

The most time-consuming way to get comparison rates is to spend time driving to local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the personal advice that only a license agent can provide. However, consumers can comparison shop your insurance online and still use a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverage information on every quote. If you have different limits and deductibles on each one it will be very difficult to make a fair comparison for your Lincoln Town Car.

Do you qualify for a discount?

Auto insurance companies do not list all their discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Driver Safety – Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
  • Paperwork-free – Certain companies will give a small break simply for signing over the internet.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Town Car insurance with a few car insurance companies.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.

It’s important to note that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

Insurance companies who might offer some of the above discounts include:

Double check with each insurance company which discounts you may be entitled to. Savings might not be offered in your state.

What coverages do I need?

When it comes to buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For example, these questions might point out whether or not you might need an agent’s assistance.

  • What is UM/UIM insurance?
  • Is business property covered if stolen from my car?
  • Are rock chip repairs covered?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When should I drop full coverage on my 1995 Lincoln Town Car?
  • What is an SR-22 filing?
  • What happens if I owe more than my 1995 Lincoln Town Car is worth?
  • What is the minimum liability in my state?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

These factors can influence what you pay for Lincoln Town Car insurance

Consumers need to have an understanding of some of the elements that help determine the price you pay for insurance coverage. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and lower injury rates means lower claim amounts and lower rates for you. If your Lincoln Town Car scored better than four stars on Safercar.gov it may be receiving lower rates.
  • High deductibles save money – Your deductibles represent how much money you are willing to pay in the event of a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The more expense you’re willing to pay, the bigger discount you will receive on Town Car insurance.
  • Rates may be higher depending on your occupation – Occupations such as real estate brokers, social workers and accountants tend to have higher rates than average attributed to high stress and long work hours. On the flip side, occupations like farmers, athletes and retirees receive lower rates on Town Car insurance.
  • Protect yourself with liability coverage – Liability insurance is the protection if a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • Never go without insurance – Letting your insurance expire will be a quick way to bump up your insurance coverage costs. Not only will you pay more, getting caught without coverage may earn you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Equipment add-ons that lower insurance coverage rates – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.

The coverage is in the details

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages offered by insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills such as rehabilitation expenses, nursing services, hospital visits, doctor visits and surgery. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other people or property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like medical services, loss of income, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with a tree, scraping a guard rail and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1995 Lincoln Town Car.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield, hail damage and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

One last thing

Affordable 1995 Lincoln Town Car insurance can be bought from both online companies as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, you should never reduce needed coverages to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your aim should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

For more information, feel free to visit the articles below:

Rates by U.S. City

1995 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

1995 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

1995 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

1995 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

1995 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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