2020 Lincoln Continental Car Insurance Quotes in 2024 – 8 Ways to Save

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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: May 25, 2024

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Looking for better car insurance rates for your Lincoln Continental? Pricey car insurance can drain your monthly budget and possibly require you to analyze your spending habits. Comparing price quotes is recommended to lower your monthly bill.

With consumers having so many different company options, it can be challenging to pick the best company.

You should take the time to do rate comparisons every six months since insurance rates fluctuate regularly. Despite the fact that you may have had the lowest premium rates for Continental coverage two years ago the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because you’re going to learn the best way to save money, get proper coverage and the best rates.

Get affordable rates by taking advantage of these eight discounts

Some insurers don’t always advertise every discount they offer very clearly, so the following is a list of some of the more common in addition to some of the lesser obvious credits that may apply to you.

  • Paper-free Discount – Some insurance companies provide a small discount for signing up digitally online.
  • Discounts for Multiple Vehicles – Insuring more than one vehicle on one policy can get a discount for every vehicle.
  • Auto/Life Discount – Select insurance companies reward you with lower prices if you buy some life insurance in addition to your auto policy.
  • Early Renewal Discounts – Some larger companies provide a discount for buying a new policy early. You can save around 10% with this discount.
  • Defensive Driver Discounts – Taking part in a defensive driving course can save you 5% or more and make you a better driver.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with slightly better rates than normal.
  • Safe Driver Discount – Insureds who avoid accidents could pay up to 40% less for Continental coverage than drivers with accident claims.
  • Club Memberships – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your policy.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, that’s just not realistic.

Auto insurance companies that have most of the discounts above are:

  • Auto-Owners Insurance
  • American Family
  • Esurance
  • Progressive
  • State Farm
  • AAA

Before purchasing a policy, check with all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies in your area. To find insurance companies with the best insurance discounts, enter your zip code here.

How much auto insurance do I need?

When buying adequate coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that These are some specific questions can aid in determining if you might need an agent’s assistance.

  • Is my nanny covered when driving my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my 2020 Lincoln Continental covered for smoke damage?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I insured when driving a different vehicle?
  • Does insurance cover damages from a DUI accident?
  • Should I buy full coverage?
  • If I drive on a suspended license am I covered?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage considerations

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Lincoln Continental.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, a broken windshield, damage from a tornado or hurricane, fire damage and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like doctor visits, nursing services and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverage – Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, attorney fees, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage – Collision coverage covers damage to your Continental resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

More effort can pay off

We just presented a lot of ways to save on 2020 Lincoln Continental insurance. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding low cost insurance. You may be surprised to find that the most savings is with some of the lesser-known companies. Smaller companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or GEICO.

There are still a few companies who don’t offer the ability to get a quote online and many times these regional carriers only sell coverage through independent agents. Cheaper 2020 Lincoln Continental insurance can be sourced on the web in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis.

When getting insurance quotes online, do not reduce needed coverages to save money. There have been many situations where an accident victim reduced liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at the best price, not the least amount of coverage.

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