1998 Lincoln Continental 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 12, 2022

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Trying to find better insurance coverage rates? Buyers have many options when searching for low-cost Lincoln Continental insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to find the lowest rates.

There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the best way to get price quotes for your Lincoln and obtain the lowest price.

It’s a good idea to shop coverage around on a regular basis because prices are usually higher with each renewal. If you had the best rates for Continental coverage a year ago other companies may now be cheaper. Ignore everything you know about insurance coverage because we’re going to demonstrate one of the quickest ways to lower your rates without sacrificing coverage.

Lincoln Continental rates are in the details

An important part of buying insurance is that you know the rating factors that go into determining auto insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to better auto insurance rates.

Listed below are a partial list of the pieces used by your company to calculate prices.

  • Don’t let your coverage lapse – Allowing your coverage to lapse will be a sure-fire way to bump up your auto insurance costs. Not only will you pay more, getting caught without coverage can result in a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Your location is important – Living in a rural area can be a good thing when it comes to auto insurance. Less people living in that area means fewer accidents. Urban drivers have to deal with much more traffic to deal with and much longer commute distances. More time on the road means higher likelihood of an accident.
  • Drive a safer car and pay less – Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Lincoln Continental scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages that you can get tricked into buying when buying auto insurance. Coverages like rental car reimbursement, accidental death and term life insurance may be wasting your money. These coverages may sound good initially, but if they’re wasting money get rid of them and save.
  • Your occupation can affect rates – Did you know your job can affect your rates? Jobs such as doctors, architects and stock brokers have the highest rates in part from job stress and long work days. On the other hand, occupations like actors, students and performers get better rates for Continental coverage.
  • Mature drivers pay less – Young drivers tend to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets.
  • Careful drivers pay lower rates – Your driving citation history impacts your car insurance rates tremendously. Just one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.

Insurance Comparisons

There are several ways you can shop for Lincoln Continental insurance but some are less labor-intensive and much quicker. You could waste time driving to insurance companies in your area, or you can utilize the internet for quick rates.

Most car insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company returns a rated price based on the submitted data. This prevents consumers from doing repetitive form submissions to every company. To compare 1998 Lincoln Continental rates using this form now click here to open in new window.

The one downside to using this type of form is you can’t choose which providers you will receive quotes from. So if you want to choose specific insurance companies to request quotes from, we have a listing of the cheapest insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverages and limits for each price quote. If you are comparing unequal deductibles or liability limits you can’t possibly make an equal comparison.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. Most are applied when you purchase, but a few need to be specially asked for before you get the savings. If you’re not getting every credit possible, you are throwing money away.

  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Continental coverage than their less cautious counterparts.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for Continental coverage with select insurance companies.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get better insurance rates for Continental coverage.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in school.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will cut the cost of coverage.

For a list of providers with the best insurance discounts, click here to view.

Don’t assume everyone needs the same coverage

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • Does coverage extend to a rental car in a foreign country?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I buy only the required minimum liability coverage?
  • Am I covered if I wreck a rental car?
  • What happens if I owe more than my 1998 Lincoln Continental is worth?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

What insurance coverages do you need?

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as emergency aid, structural damage, attorney fees, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, falling objects, hail damage, fire damage and damage from getting keyed. The most your insurance company will pay 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.

Collision protection

This pays for damage to your Continental from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses such as nursing services, rehabilitation expenses, X-ray expenses, ambulance fees and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Lincoln Continental.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Get your money’s worth

Consumers switch companies for a variety of reasons including high prices, denial of a claim, high rates after DUI convictions or extreme rates for teen drivers. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

Budget-conscious 1998 Lincoln Continental insurance can be sourced both online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance coverage companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

You just read quite a bit of information on how to lower your insurance rates. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with a lesser-known regional company.

Additional information

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