Compare Lincoln Continental Insurance Rate Quotes in Raleigh

A recent car insurance study revealed that about 70% of customers have been with the same company for at least the last four years, and nearly 40% of drivers have never compared rates to find cheaper insurance. Most drivers in Raleigh can save about $94 each year just by comparing rates, but they don’t want to take the time to find cheaper insurance by shopping around.

It takes a few minutes, but the best way to find low-cost Lincoln Continental insurance in Raleigh is to compare prices at least once a year from companies in North Carolina.

First, try to comprehend how car insurance works and the measures you can control to prevent expensive coverage. Many rating factors that cause high rates such as multiple speeding tickets and a bad credit score can be rectified by improving your driving habits or financial responsibility. Keep reading for the details to get cheaper coverage and find additional discounts you may qualify for.

Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Allstate, while independent agents can quote rates for a wide range of companies.

Third, compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate and decide to switch, make sure there is no lapse in coverage.

A key point to remember is to compare similar deductibles and liability limits on every quote and and to compare as many car insurance companies as possible. Doing this helps ensure a level playing field and the best price quote selection.

If you already have coverage, you will most likely be able to reduce premiums using the following tips. Locating the best rates in Raleigh is easy if you know what you’re doing. But North Carolina vehicle owners do need to learn the methods companies use to determine prices and use it to find better rates.

Most of the larger companies allow consumers to get coverage price quotes on the web. Getting quotes for Lincoln Continental insurance in Raleigh doesn’t take much effort as you just enter the coverage amounts you desire into the form. After the form is submitted, the quote system will order your driving record and credit report and generates pricing information. Getting online rate quotes for Lincoln Continental insurance in Raleigh helps simplify price comparisons, and it’s absolutely necessary to have as many quotes as possible if you want to get the cheapest price.

If you want to fill out one form to compare multiple rates now, compare rates from the companies below. To compare your current rates, we recommend you copy deductibles and limits exactly as they are listed on your policy. This ensures you’re receiving a price comparison for similar insurance coverage.

The following companies offer quotes in North Carolina. If you wish to find cheap car insurance in Raleigh, we recommend you compare several of them to get a more complete price comparison.

Why you need Lincoln Continental insurance in North Carolina

Despite the high insurance cost for a Lincoln Continental in Raleigh, paying for auto insurance serves a purpose in several ways.

First, almost all states have mandatory insurance requirements which means you are required to carry a specific level of liability protection in order to be legal. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Continental, it’s most likely the lender will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank may insure your Lincoln at a much higher rate and require you to reimburse them the higher price.

Third, insurance safeguards both your vehicle and your personal assets. It will also reimburse you for medical expenses for not only you but also any passengers injured in an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of your driving. If you have damage to your Lincoln as the result of the weather or an accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your Continental more than offset the price you pay, particularly if you ever have a claim. Despite what companies tell you, the average driver is currently overpaying as much as $850 per year so compare rates once a year at a minimum to be sure current rates are still competitive.

Get cheaper Lincoln Continental insurance in Raleigh with discounts

Car insurance companies do not list the complete list of policy discounts very well, so here is a list a few of the more well known and also the more inconspicuous ways to save on auto insurance.

• Multiple Policy Discount – If you have multiple policies with the same insurance company they may give you a discount of up to 20% and get you cheap Continental insurance.
• Multi-line Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy some life insurance too.
• Driver Training Discounts – Successfully completing a safe driver class is a good idea and can lower rates depending on where you live.
• Drive Safe and Save – Safe drivers could pay up to 40% less than drivers with accidents.
• Military Discounts – Being deployed in the military may qualify for rate reductions.
• Early Switch Discount – Some companies provide a discount for signing up prior to your current Continental insurance policy expiring. This discount can save up to 10%.

You should keep in mind that most discounts do not apply to the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. But any discount will help lower the amount you have to pay.

A few of the larger companies and their possible discounts include:

• State Farm may offer discounts for passive restraint, student away at school, multiple autos, driver’s education, good student, Steer Clear safe driver discount, and defensive driving training.
• Liberty Mutual may include discounts for teen driver discount, multi-policy, exclusive group savings, multi-car, and newly retired.
• American Family offers premium reductions for air bags, bundled insurance, mySafetyValet, good driver, and defensive driver.
• Progressive offers discounts including online signing, multi-vehicle, continuous coverage, online quote discount, and good student.
• Farmers Insurance discounts include teen driver, switch companies, business and professional, electronic funds transfer, bundle discounts, and homeowner.
• Auto-Owners Insurance has savings for safe driver, air bags, anti-theft, paid in full, and company car.
• SAFECO has discounts for multi-car, homeowner, teen safety rewards, safe driver, anti-lock brakes, accident prevention training, and bundle discounts.

When comparing rates, check with every company how many discounts you can get. Depending on the company, some discounts might not be available to policyholders in Raleigh. For a list of companies who offer free Lincoln Continental insurance quotes in Raleigh, click here.

Auto insurance agents near you

A lot of people still prefer to talk to an insurance agent and that is a smart decision One of the best bonuses of getting free rate quotes online is the fact that you can find lower prices but also keep your business local.

After filling out this simple form, the coverage information is transmitted to agents in your area who will give competitive quotes for your car insurance coverage. You won’t even need to find an agent because prices are sent to you instantly. You can most likely find cheaper rates without the usual hassles of price shopping. If for some reason you want to compare prices from one company in particular, feel free to search and find their rate quote page and complete a quote there.

Choosing an insurer should include more criteria than just a low price. These are some valid questions you should ask.

• Do they assist clients in filing claims?
• What insurance companies do they recommend if they are an independent agent?
• How long have they been in business?
• Are they able to influence company decisions when a claim is filed?
• How many companies do they write for?
• Are they properly licensed to sell insurance in North Carolina?
• Do you work with a CSR or direct with the agent?

Insurance agent types

If you are searching for a reliable insurance agency, it can be helpful to understand the different types of agencies from which to choose. Car insurance policy providers can either be exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Agents of this type can usually just insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot place coverage with different providers so always compare other rates. These agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

Listed below are Raleigh exclusive insurance agencies that are able to give price quote information.

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Independent Car Insurance Agencies

Independent insurance agents can quote rates with many companies so they can insure your vehicles with lots of companies and potentially find a lower price. If premiums increase, an independent agent can move your coverage and the insured can keep the same agent. When searching for an agent, you will definitely want to contact at a minimum one independent agency for the best price selection.

Below are Raleigh independent agents willing to provide comparison quotes.

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When to get professional advice

When it comes to choosing adequate coverage for your vehicles, there really isn’t a one-size-fits-all type of policy. Everyone’s needs are different.

For example, these questions can help discover whether your personal situation may require specific advice.

• Does my liability insurance cover pulling a trailer or camper?
• Should I have combined single limit or split liability limits?
• Why do I need rental car insurance?
• How much liability coverage do I need in North Carolina?
• Does coverage extend to my business vehicle?
• What are good deductibles for a Lincoln Continental?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Car insurance policy specifics

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

This pays for damage to your Continental resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible on your Continental to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Lincoln Continental.

Due to the fact that many North Carolina drivers have only the minimum liability required by law (which is 30/60/25), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability insurance

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 30/60/25 that means you have a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like repair costs for stationary objects, loss of income, legal defense fees, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible. North Carolina requires minimum liability limits of 30/60/25 but drivers should carry more liability than the minimum.

The next chart shows why minimum state limits may not be enough coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for funeral costs, doctor visits and chiropractic care. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, falling objects, damage from getting keyed, hitting a deer and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Cheap auto insurance is out there

We just covered a lot of information how to lower your Lincoln Continental insurance rates in Raleigh. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost Raleigh auto insurance quotes. You may even be surprised to find that the lowest rates come from some of the lesser-known companies.

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

There are still a few companies who may not provide the ability to get a quote online and many times these smaller companies prefer to sell through independent insurance agencies. Lower-priced Lincoln Continental insurance in Raleigh can be purchased both online and with local Raleigh insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

More information is located at the links below

• Determining Auto Insurance Rates (GEICO)
• Who Has the Cheapest Raleigh Auto Insurance Rates for Low Income Drivers? (FAQ)
• What Auto Insurance is Cheapest for Good Drivers in Raleigh? (FAQ)
• Rental Car Insurance Tips (Insurance Information Institute)
• How Much Auto Coverage do I Need? (Insurance Information Institute)
• Auto Crash Statistics (Insurance Information Institute)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)