2006 Lincoln Town Car Insurance Rates

Average insurance rates for a 2006 Lincoln Town Car are $1,096 a year for full coverage. Comprehensive costs around $180, collision insurance costs $284, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,372. Teen drivers receive the highest rates at up to $4,372 a year.

Annual premium for full coverage: $1,096

Rate estimates for 2006 Lincoln Town Car Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2006 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

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These differences show why everyone should compare rates for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Searching for the cheapest car insurance rates for your Lincoln Town Car? Comparison shopping for car insurance can seem to be challenging for consumers not familiar with buying insurance online. People have so many companies to choose from that it can easily become a ton of work to compare prices.

Consumers need to compare prices once or twice a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best rates on Town Car insurance a few years ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding car insurance on the internet, so we’re going to give you some guaranteed methods to stop overpaying for insurance.

How to Compare Auto Insurance Quotes

The are a couple different ways to compare rate quotes from different insurance companies. The recommended way to find the lowest 2006 Lincoln Town Car rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

1. Probably the best way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This method keeps you from doing separate forms to each individual auto insurance company. One form gets you coverage quotes from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.
2. A different way to analyze rates requires a trip to the website for each individual company to request a price quote. For instance, let’s assume you want comparison quotes from Nationwide, Progressive and Liberty Mutual. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but double check that you are using identical quote information with each company. If you use mixed coverages it will be next to impossible to determine the best price for your Lincoln Town Car. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparison shopping, quoting more will increase your chances of finding the best offered rates.

But I don’t know anything about car insurance

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions might point out if you might need professional guidance.

• Is my 2006 Lincoln Town Car covered for flood damage?
• What is high-risk coverage and where do I buy it?
• Should I drop comprehensive coverage on older vehicles?
• Can I rent a car in Mexico?
• Is my babysitter covered when using my vehicle?
• If my 2006 Lincoln Town Car is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance coverages

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, rock chips in glass, damage from getting keyed, falling objects and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Town Car.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Collision coverage

Collision coverage pays for damage to your Town Car resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like chiropractic care, X-ray expenses, hospital visits, funeral costs and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverages

This coverage provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not 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. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical services, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.