Sick and tired of paying out the nose to pay your car insurance bill each month? Your situation is no different than many other drivers.
Since consumers have many companies and agents to choose from, it can be challenging to find the lowest cost car insurance company.
Smart consumers take time to check car insurance prices once or twice a year because rates go up and down regularly. Just because you had the best rates on Continental coverage a couple years back there is a good chance you can find better rates now. So forget anything you know (or think you know) about car insurance because it’s time to teach you the fastest and easiest way to save on car insurance.
Choosing the best insurance company for you is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Although vehicle owners need to learn how insurance companies market on the web and take advantage of how the system works.
How to Lower Your Car Insurance Cost
There are several ways to get quotes from different insurance companies. The simplest method to find competitive Lincoln Continental insurance rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.
- The fastest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for separate quotation requests for each company. One simple form will get you rate comparisons from all major companies.
- A more time consuming way to compare rate quotes requires a visit to the website for every company you want to comare and request a quote. For example, let’s say you want to compare GEICO, Progressive and American Family. You would have to go to every website and enter your information, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
It’s up to you which method you use, but make sure you use the exact same coverages and limits on every quote. If you use different limits and deductibles on each one it’s not possible to make an equal comparison. Slightly different limits can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies helps you find the best offered rates.
Save money by taking advantage of these discounts
Car insurance companies don’t list every available discount very clearly, so we took the time to find some of the more common and the more hidden ways to save on car insurance.
- Sign Early and Save – Select companies give a discount for switching policies before your current expiration date. It can save you around 10%.
- Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- More Vehicles More Savings – Having multiple cars or trucks with the same company qualifies for this discount.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
- Low Mileage Discounts – Keeping the miles down on your Lincoln could qualify for lower rates on the low mileage vehicles.
Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. Just because you may think all the discounts add up to a free policy, car insurance companies aren’t that generous.
For a list of providers with discount car insurance rates, click this link.
