Three Steps to Paying Less for Lincoln Town Car Insurance
If buying car insurance was fun, we'd do it as a recreational sport. But we always seem to pay too much for coverage and most people would rather go to the dentist. Finding insurance for your Lincoln Town Car that you can actually afford is probably no different.
Step One: Insurance Quotes
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Not anymore!
You can compare insurance rates for a Lincoln Town Car simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To find affordable coverage for your Lincoln Town Car, the first step is to click the link below and complete the short form.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Town Car is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Techniques to Lower your Town Car Insurance Rates
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Town Car insurance rates.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Repairing accident damage generally costs more for the Town Car because the replacement parts cost more. You can expect your car insurance bill to reflect these higher costs for repair.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- If you're a young driver, you will pay more to insure a Town Car. There isn't anything you can do about your age, but rates will drop as you mature.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
Step Three: Bind Coverage and Cancel your Old Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Lincoln added prior to the expiration of this grace period. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
The Insurance Information Institute is the industry authority for consumer car insurance information.
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