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2000 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 2000 Lincoln Town Car are $966 a year with full coverage. Comprehensive insurance costs an estimated $150 each year, collision insurance costs $216, and liability insurance costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs $2,078 or more. Teen drivers receive the highest rates at up to $3,908 a year.

Annual premium for full coverage: $966

Rate estimates for 2000 Lincoln Town Car Insurance

Comprehensive $150
Collision $216
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2000 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 a driver in their 40's, prices range range from as low as $496 for a discount liability-only rate to a high rate of $2,078 for a driver who has had serious violations or accidents.

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

View Chart as Image

2000 Lincoln Town Car insurance rates compared
Column chart showing 2000 Lincoln Town Car insurance prices range from $588 to $3,908 for full coverage

These differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than relying on price averages.

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 2000 Lincoln Town Car Insurance

Searching Companies

Buyers have options when searching for the lowest priced Lincoln Town Car insurance. They can either spend hours contacting agents to compare prices or leverage the internet to find the lowest rates.

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

Consumers should take time to price shop coverage quite often due to the fact that insurance rates are usually higher with each renewal. If you had the best deal for Town Car insurance a couple years back you will most likely find a better rate today. Starting right now, ignore everything you know about insurance coverage because you’re going to learn the easiest way to find better rates and still maintain coverage.

If you have a current car insurance policy or are looking for a new policy, you can follow these tips to find better prices and possibly find even better coverage. The purpose of this article is to familiarize you with the most effective way to quote insurance and some tips to save money. Consumers only need an understanding of the proper way to shop for car insurance on the web.

How to Buy Insurance Coverage Online

There are a variety of methods you can shop for 2000 Lincoln Town Car insurance coverage but one way is more efficient than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to achieve your goal.

Most of the best insurance companies belong to a marketplace where prospective buyers complete one form, and every company returns a rated price based on that data. This eliminates the need for quotation requests for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

One minor caviat to using this type of form is that consumers can’t choose which providers you want pricing from. So if you want to choose individual companies to compare prices, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using identical information for each comparison quote. If each company quotes higher or lower deductibles it will be impossible to determine which rate is truly the best.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but there are discounts available to help offset the cost. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be asked about before you get the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Own a Home – Owning a house may earn you a small savings because owning a home is proof that your finances are in order.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will bring down the cost of coverage.

Car insurance companies that may offer these benefits include:

It’s a good idea to ask each company how you can save money. Some discounts may not apply in your area.

Parts of the Lincoln Town Car rate equation

It’s important that you understand the different types of things that come into play when calculating your insurance coverage rates. Knowing what determines base rates helps enable you to make changes that can help you get lower insurance coverage prices.

The list below includes a partial list of the pieces that factor into your rates.

  • Men fork out a little more – Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes cause accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as DWI and reckless driving. Young males are most likely to cause an accident and therefore are the most expensive to insure.
  • Where you live is a factor – Living in small towns and rural areas has it’s advantages when it comes to insurance coverage. Lower population means reduced accidents as well as less vandalism and auto theft. Urban drivers have to deal with congested traffic and a longer drive to work. More time on the road means more change of being in an accident.
  • An active claims history can cost you – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies provide cheaper rates to people who file claims infrequently. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Protect your assets with liability insurance – Liability coverage is the coverage that protects you if ever a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Pay less if you’re married – Being married can get you a discount on insurance coverage. Marriage usually means you are more responsible and statistics show drivers who are married are more cautious.
  • Bundling policies can get discounts – Many insurance coverage companies provide better rates to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s still a good idea to compare other company rates to make sure you are getting the best deal.
  • Mature drivers pay less – Teenage drivers have a tendency to be less responsible when behind the wheel so they pay higher insurance coverage rates. Older insureds tend to be more responsible, tend to file fewer claims and are safer drivers.
  • Poor credit can mean higher rates – Your credit score is a huge factor in calculating your insurance coverage rates. People with excellent credit tend to be more responsible than drivers with lower ratings. If your credit is low, you could be paying less to insure your 2000 Lincoln Town Car by improving your credit score.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different.

For example, these questions can aid in determining if your situation would benefit from professional advice.

  • Does medical payments coverage apply to all occupants?
  • What happens if I owe more than my 2000 Lincoln Town Car is worth?
  • Do I have coverage when making deliveries for my home business?
  • When does my teenage driver need to be added to my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Specific coverages for a Lincoln Town Car

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, theft and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

This coverage covers damage to your Town Car caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, colliding with another moving vehicle, hitting a parking meter, backing into a parked car and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability car insurance

This coverage protects you from injuries or damage you cause to other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, emergency aid, loss of income and medical services. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses like hospital visits, doctor visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

More comparisons equals lower rates

In this article, we presented many tips how you can get a better price on 2000 Lincoln Town Car insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance coverage comes from the smaller companies.

People switch companies for a number of reasons such as being labeled a high risk driver, lack of trust in their agent, high rates after DUI convictions or extreme rates for teen drivers. It doesn’t matter why you want to switch switching companies can be pretty painless.

Cheaper insurance is available online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

Helpful articles

Rates by U.S. City

2000 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

2000 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

2000 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

2000 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

2000 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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