How Much Does 1996 Lincoln Town 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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Finding lower rates for car insurance is always a challenge for beginners to comparison shopping online. There are so many options that it can quickly become more work than you anticipated to locate the lowest price.

You should make it a habit to compare rates once or twice a year since insurance rates fluctuate regularly. If you had the best price on Town Car coverage a year ago you can probably find a better price now. Forget all the misinformation about car insurance because we’re going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.

The most recommended method to get policy rate comparisons is to realize most of the larger companies have advanced systems to compare rate quotes. To get started, all you need to do is give them rating details including coverage limits, your occupation, types of safety features, and daily mileage. Your details is submitted instantly to multiple different insurance companies and you will receive price estimates instantly.

Take discounts and save

Auto insurance companies don’t always advertise all available discounts very well, so we break down some of the best known as well as the least known savings tricks you should be using.

  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Life Insurance – Some companies give a break if you buy auto and life insurance together.
  • Organization Discounts – Participating in certain professional organizations could qualify you for a break when shopping for insurance on Town Car coverage.
  • Safety Course Discount – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Drive Less and Save – Fewer annual miles on your Lincoln can qualify you for lower rates on the low mileage vehicles.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Paperless Signup – A few companies give back up to $50 simply for signing online.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

To see a list of insurers with the best insurance discounts, click here to view.

Which policy gives me the best coverage?

When buying coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • When should I remove comp and collision on my 1996 Lincoln Town Car?
  • I don’t drive much so do I pay less?
  • What should my uninsured motorist coverage limits be in my state?
  • Is a blown tire covered by insurance?
  • Is my trailer covered?
  • Do I need motorclub coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form.

Car insurance coverage information

Knowing the specifics of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto liability – Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, a broken windshield, damage from a tornado or hurricane, vandalism and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – This will pay to fix damage to your Town Car resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, X-ray expenses, EMT expenses, doctor visits and pain medications. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

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