Cheapest 1997 Lincoln Continental Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Want cheaper auto insurance rates for your Lincoln Continental? I can’t think of anyone who likes paying for auto insurance, in particular when their premiums are through the roof.

Online insurance companies like GEICO, Farmers Insurance and State Farm promote their brand names with advertising and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

You should take the time to price shop coverage before your policy renews since insurance rates are adjusted regularly by insurance companies. Just because you found the lowest price on Continental insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the things you must know in order to lower your rates without sacrificing coverage.

How to Compare Auto Insurance Costs

All the larger auto insurance companies like Progressive, GEICO, Allstate and State Farm quote insurance quotes on their websites. Getting online quotes doesn’t take much effort as you simply type in your coverage preferences as requested by the quote form. Behind the scenes, the system will order credit information and your driving record and returns a price quote. Being able to quote online makes comparing rates easy, but the process of having to visit different websites and type in the same information can be a bit tiresome and repetitive. But it’s very important to get many rate quotes in order to get lower prices.

The easiest way to find lower prices utilizes a single form that obtains quotes from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. Immediately after you send the form, it is quoted and you are able to buy any one of the quotes returned. If you find a better price you simply finish the application and buy the policy. The entire process only takes a few minutes and can result in significant savings.

In order to find out what other companies charge, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended you type in deductibles and limits identical to your current policy. This makes sure you will have rate quotes for similar insurance coverage.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions can aid in determining if you would benefit from professional advice.

  • Do I need replacement cost coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What can I do if my company won’t pay a claim?
  • Can I afford low physical damage deductibles?
  • Is my babysitter covered when using my vehicle?
  • Which is better, split liability limits or combined limits?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my insurance cover a custom paint job?
  • How much liability coverage do I need in my state?
  • Why do I need rental car insurance?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.

Medical expense insurance – Coverage for medical payments and/or PIP pay for bills for things like EMT expenses, ambulance fees, prosthetic devices, hospital visits and dental work. 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 all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Lincoln Continental.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, falling objects, a broken windshield and damage from a tornado or hurricane. The highest amount a car 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 consider removing comprehensive coverage.

Collision coverages – Collision coverage will pay to fix damage to your Continental resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Liability auto insurance – This protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as repair bills for other people’s vehicles, funeral expenses, bail bonds and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Frequently Asked Questions

How can I find the cheapest auto insurance rates for my 1997 Lincoln Continental in 2023?

To find the cheapest auto insurance rates for your 1997 Lincoln Continental in 2023, you can start by using online tools that allow you to compare quotes from different insurance companies. By entering your zip code, you can view a list of companies that offer cheap auto insurance rates in your area. It’s important to provide accurate information about your vehicle and your driving history to get the most accurate quotes. Additionally, consider adjusting your coverage options and deductibles to find a balance between affordability and adequate coverage.

How often should I shop around for auto insurance rates?

It’s a good idea to shop around for auto insurance rates before your policy renews and at least once a year. Insurance rates are regularly adjusted by companies, and what was the best deal in the past may not be the most affordable option anymore. By comparing rates from different insurers, you can ensure that you are getting the best possible price for your coverage. Changes in your driving record, credit score, or other factors may also affect your rates, so it’s important to stay informed and explore your options.

Are online insurance companies like GEICO, Farmers Insurance, and State Farm reliable?

Yes, online insurance companies like GEICO, Farmers Insurance, and State Farm are reliable and reputable insurance providers. These companies have established themselves in the insurance industry and often offer competitive rates. However, it’s important to note that reliability and customer satisfaction can vary from person to person. It’s always a good idea to research and read reviews about any insurance company you are considering, as well as comparing quotes and coverage options from multiple providers to make an informed decision.

Can I save money on auto insurance without sacrificing coverage?

Yes, it is possible to save money on auto insurance without sacrificing coverage. Here are a few tips to help you lower your rates:

  • Compare quotes from multiple insurance companies to find the best price.
  • Increase your deductibles, but make sure you can afford them in case of an accident.
  • Ask about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for completing defensive driving courses.
  • Consider removing or reducing coverage for older vehicles that may not be worth the cost of comprehensive or collision coverage.
  • Maintain a good driving record and avoid accidents and traffic violations.

Remember, it’s essential to strike a balance between affordability and adequate coverage for your specific needs.

What factors can affect my auto insurance rates?

Several factors can influence your auto insurance rates. Here are some common factors that insurance companies consider when determining your premiums:

  • Your driving record: A history of accidents, tickets, or traffic violations can lead to higher rates.
  • Your vehicle: The make, model, year, and safety features of your car can affect your rates.
  • Your location: Insurance rates can vary based on where you live, including factors like population density, crime rates, and accident statistics.
  • Your age and gender: Younger and inexperienced drivers may have higher rates, while older and more experienced drivers may be eligible for discounts.
  • Your credit history: In many states, insurance companies use credit scores as a factor in determining rates.
  • Your coverage and deductibles: The amount of coverage you choose and the deductibles you select can impact your premiums.

It’s important to remember that different insurance companies weigh these factors differently, so rates can vary.

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