Compare 2006 Lincoln Zephyr Insurance Rates

Locating low-cost insurance for a Lincoln Zephyr can turn out to be a painful process, but you can use a few tricks and make it easy. There is a better way to shop for insurance coverage so you’re going to learn the quickest way to compare rates for a new or used Lincoln and get the lowest price from local insurance agents and online providers.

It’s a good idea to compare prices before your policy renews because rates fluctuate regularly. Even if you got the best deal for Zephyr coverage a year ago you may be paying too much now. You’ll find quite a bit of inaccurate information about insurance coverage online, so we’re going to give you some great ways to put money back in your pocket.

Complexity of Lincoln Zephyr insurance rates

An important part of buying insurance is that you know the factors that go into determining the price you pay for insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to better insurance rates.

  • How’s your driving record? – Your driving record has a lot to do with how much you pay for insurance. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Even one moving violation may increase your cost by twenty percent. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Liability insurance protects assets – The liability section of your policy provides coverage if ever a court rules you are at fault for damages from an accident. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Lower rates with optional equipment – Driving a car with a theft deterrent system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Clean credit earns discounts – Credit score is a big factor in determining your rates. People with high credit ratings tend to be more responsible than drivers with lower ratings. If your credit rating is low, you could pay less to insure your 2006 Lincoln Zephyr by improving your credit score.
  • Drive less and save money – Driving more miles in a year’s time the higher your rates will be. Almost all companies apply a rate determined by how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Zephyr may be wasting your money. Double check that your insurance coverage is showing the proper vehicle usage.
  • High numbers of claims are not good – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies provide cheaper rates to people who are claim-free. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • What are your deductibles? – Physical damage coverage, also known as collision and other-than-collision, protects your Lincoln from damage. Examples of covered claims are a windshield shattered by a rock, damage from fire, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend in the event of a claim. The more you’re willing to pay, the lower your rates will be for Zephyr coverage.

The fastest way that we advise to compare car insurance company rates is to know the trick most of the bigger providers participate in online systems to give rate comparisons. To start a quote, the only thing you need to do is provide information such as how old drivers are, distance driven, what you do for a living, and if you are currently licensed. The rating information is sent automatically to insurance companies and you will get price comparisons almost instantly.

Can you really save that much by switching?

Consumers constantly see and hear ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the ads make the same claim that you’ll save big if you change your policy.

How does each company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the driver that makes them money. For example, a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who don’t measure up to the requirements will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save that much. That’s the way insurance companies can advertise the savings. This emphasizes why you need to get as many comparisons as possible. It is impossible to predict which insurance companies will give you the biggest savings on Lincoln Zephyr insurance.

Take advantage of discounts

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so we break down both the well known and the more hidden car insurance savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Multiple Vehicles – Having multiple vehicles on the same car insurance policy could earn a price break for each car.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of insurance companies offering car insurance discounts, click this link.

How to know if you need help

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether you may require specific advice.

  • Can I rent a car in Mexico?
  • What is an SR-22 filing?
  • Can I afford to buy a different vehicle if my 2006 Lincoln Zephyr is totaled?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my nanny covered when driving my vehicle?
  • How can I get high-risk coverage after a DUI?
  • What if I owe more than I can insure my car for?
  • Should I sign the liability waiver when renting a car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Specifics of your insurance policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses such as ambulance fees, hospital visits, prosthetic devices, dental work and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, theft and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

This will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, court costs, loss of income and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

The bottom line

We just presented a lot of techniques to compare 2006 Lincoln Zephyr insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

Drivers leave their current company for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, delays in responding to claim requests or poor customer service. It doesn’t matter why you want to switch finding a new company can be pretty painless.

As you shop your coverage around, do not buy less coverage just to save a little money. In many instances, someone sacrificed liability coverage limits and learned later that they should have had better coverage. Your aim should be to get the best coverage possible at the best price while still protecting your assets.

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