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2005 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: Oct 2, 2017

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Average insurance rates for a 2005 Lincoln Town Car are $1,056 a year for full coverage. Comprehensive costs approximately $174 each year, collision insurance costs $256, and liability insurance costs $468. Buying a liability-only policy costs as little as $518 a year, and high-risk insurance costs around $2,280. Teen drivers receive the highest rates at up to $4,230 a year.

Annual premium for full coverage: $1,056

Rate estimates for 2005 Lincoln Town Car Insurance

Comprehensive $174
Collision $256
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 $518 for only liability insurance to a high rate of $2,280 for a driver that may need high-risk insurance.

Liability Only $518
Full Coverage $1,056
High Risk $2,280

View Chart as Image

2005 Lincoln Town Car insurance rates compared
Column chart showing 2005 Lincoln Town Car insurance prices range from $634 to $4,230 for full coverage

These differences show why all drivers should compare rates using their specific location 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 2005 Lincoln Town Car Insurance

Searching Companies

Buying affordable insurance coverage over the internet is impossible for consumers not familiar with comparison shopping online. Because there are so many companies in the marketplace, how can you effectively compare every one to find the lowest price available?

Buying car insurance is easy if you know what you’re doing. Essentially everyone who is shopping for insurance coverage should be able to lower their premiums. Although consumers can benefit from knowing how big insurance companies determine prices and apply this information to your search.

Don’t miss these nine discounts

Car insurance companies don’t always advertise every available discount very clearly, so we took the time to find some of the best known and the more hidden savings tricks you should be using.

  • E-sign – Some insurance companies may give you up to $50 for buying your policy digitally online.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Safety Course Discount – Completing a course in driver safety could save 5% or more if your company offers it.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Good Student – This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.

Drivers should understand that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of insurance companies who offer car insurance discounts, click here.

Compare Insurance Today

Performing a rate comparison can be challenging if you don’t utilize the most efficient way. You could waste a few hours talking to insurance companies in your area, or you can stay home and use online quotes for quick rates.

Many insurance companies take part in a program where prospective buyers submit one quote, and each company then gives them pricing determined by their information. This system prevents you from having to do quote forms for each company. To find out what other companies charge for 2005 Lincoln Town Car insurance click here (opens in new window).

The one disadvantage to using this type of form is you can’t choose the providers to get quotes from. So if you want to choose individual companies to receive pricing from, we put together a list of low cost insurance companies in your area. Click to view list.

However you get your quotes, make darn sure you compare the exact same quote information on every quote you get. If the quotes have different limits and deductibles on each one it’s not possible to decipher which rate is best. Slightly different insurance coverages may result in large price differences. Keep in mind that comparing a large number of companies helps you find lower pricing.

When might I need help?

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Is my Lincoln Town Car covered if I use it for business?
  • Am I covered if I crash into my own garage door?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my insurance cover a custom paint job?
  • How do I insure my teen driver?
  • Does insurance cover damages from a DUI accident?
  • Does my 2005 Lincoln Town Car qualify for pleasure use?
  • What can I do if my company denied a claim?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Car insurance coverage information

Knowing the specifics of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a deer, vandalism, damage from a tornado or hurricane, theft and hail damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Lincoln Town Car.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance

This will cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability 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 total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as legal defense fees, medical services, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for ambulance fees, surgery, funeral costs, rehabilitation expenses and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

The bottom line

You just learned a lot of information how to reduce 2005 Lincoln Town Car insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest priced insurance coverage comes from a smaller regional carrier.

When shopping online for insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an insured cut uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Insureds change insurance companies for a variety of reasons including lack of trust in their agent, unfair underwriting practices, delays in paying claims and even high prices. Regardless of your reason, finding a great new company can be pretty painless.

Additional detailed information can be found in these articles:

Rates by U.S. City

2005 Lincoln Town Car Insurance Rates by City
City Premium
New York City, NY $1,674
Los Angeles, CA $1,806
Philadelphia, PA $1,411
Jacksonville, FL $1,536
Phoenix, AZ $1,226
Chicago, IL $1,418
Houston, TX $1,656
Seattle, WA $1,031
Columbus, OH $883
Indianapolis, IN $899

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Lincoln Town Car Insurance Rates by Driver Age
Driver Age Premium
16 $4,230
20 $2,428
30 $1,080
40 $1,056
50 $970
60 $950

Full coverage, $500 deductibles

Rates by Deductible

2005 Lincoln Town Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,242
$250 $1,158
$500 $1,056
$1,000 $958

Full coverage, driver age 40

Rates by Liability Limit

Lincoln Town Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,056
50/100 $1,150
100/300 $1,267
250/500 $1,571
100 CSL $1,196
300 CSL $1,454
500 CSL $1,641

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Lincoln Town Car Insurance Rates for High Risk Drivers
Age Premium
16 $5,968
20 $3,870
30 $2,304
40 $2,280
50 $2,182
60 $2,160

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 $143

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $57
Homeowner $18
5-yr Accident Free $67
5-yr Claim Free $67
Paid in Full/EFT $40
Advance Quote $47
Online Quote $72
Total Discounts $422
Rate after discounts $634

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2005 Lincoln Town Car Insurance Rates by State
State Premium
Alabama $958
Alaska $812
Arizona $876
Arkansas $1,056
California $1,204
Colorado $1,010
Connecticut $1,088
Delaware $1,198
Florida $1,324
Georgia $974
Hawaii $760
Idaho $716
Illinois $788
Indiana $796
Iowa $712
Kansas $1,006
Kentucky $1,442
Louisiana $1,564
Maine $654
Maryland $872
Massachusetts $846
Michigan $1,836
Minnesota $884
Mississippi $1,266
Missouri $938
Montana $1,136
Nebraska $836
Nevada $1,268
New Hampshire $762
New Jersey $1,182
New Mexico $936
New York $1,116
North Carolina $610
North Dakota $866
Ohio $730
Oklahoma $1,084
Oregon $968
Pennsylvania $1,008
Rhode Island $1,412
South Carolina $958
South Dakota $894
Tennessee $926
Texas $1,274
Utah $782
Vermont $724
Virginia $634
Washington $818
West Virginia $968
Wisconsin $730
Wyoming $944

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