2000 Lincoln LS Car Insurance Quotes – 10 Savings Tips

Searching for the most affordable car insurance online is challenging for consumers not familiar with comparison shopping online. With such a large number of online companies available, how can anyone possibly compare the different rates to find the lowest price?

It’s a great practice to get comparison quotes periodically because insurance rates fluctuate regularly. Even if you think you had the lowest rates for LS coverage a few years ago the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about car insurance because you’re about to learn the tricks you need to know to lower your annual insurance bill.

Buying more affordable protection is not that difficult. Just about everyone who is required by state law to have insurance will more than likely be able to find better rates. Nevertheless, drivers do need to know how insurance companies market on the web and take advantage of how the system works.

Don’t miss out on these ten money-saving discounts

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically at quote time, but a few must be manually applied before you will receive the discount.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for LS coverage with a few insurance coverage companies.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% off your total premium.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Own a Home – Being a homeowner can help you save on insurance coverage because of the fact that having a home shows financial diligence.
  • Defensive Driver – Completing a course in driver safety can save you 5% or more if you qualify.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates when buying insurance coverage for LS coverage.
  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiration. This can save 10% or more.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims prior to the accident.

Keep in mind that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will bring down the amount you have to pay.

For a list of companies offering insurance coverage discounts, follow this link.

Do I need special coverages?

When choosing adequate coverage, there really is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • Should I buy only the required minimum liability coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if I crash into my own garage door?
  • What is no-fault insurance?
  • Can I get a multi-policy discount?
  • How high should deductibles be on a 2000 Lincoln LS?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Specific coverages for a 2000 Lincoln LS

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision protection

This coverage pays for damage to your LS caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, colliding with a tree, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, theft, a broken windshield, damage from flooding and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages

This coverage provides protection from damage that occurs to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like court costs, emergency aid and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lincoln LS.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills such as nursing services, surgery, EMT expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Knowledge is power

Cheap 2000 Lincoln LS insurance can be purchased online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. In many instances, someone sacrificed liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

People switch companies for a variety of reasons including denial of a claim, delays in paying claims, extreme rates for teen drivers or even an unsatisfactory settlement offer. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.

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