Save Money on Lincoln Continental Insurance in Memphis

It’s an obvious statement that auto insurance companies don’t want policyholders to shop around. People who shop around annually will presumably switch to a new company because they stand a good chance of finding good coverage at a lower price. A study discovered that drivers who regularly shopped around saved an average of $70 a month compared to other drivers who never compared prices.

If finding the cheapest rates on Lincoln Continental insurance in Memphis is the reason for your visit, then having a grasp of how to find and compare insurance rates can make it easier to find better rates.

Insurance for Lincoln ContinentalIf your goal is the lowest price, then the best way to get discount car insurance rates is to regularly compare prices from insurance carriers who provide car insurance in Memphis.

The most important part of shopping around is that you’ll want to compare identical coverages on each price quote and and to get prices from as many different companies as possible. Doing this ensures a fair price comparison and a complete price analysis.

The majority of larger companies allow you to get prices for coverage from their websites. Getting quotes for Lincoln Continental insurance in Memphis is easy for anyone as you simply type in your personal and coverage information as detailed in the form. Once you submit the form, their system orders information on your driving record and credit history and returns a price quote.

Using the web to get price quotes for Lincoln Continental insurance in Memphis makes it easy to compare insurance prices and it’s absolutely necessary to do this in order to get a lower rate.

If you want to find out what other companies charge, consider comparing rates from the companies shown below. If you currently have coverage, we recommend that you enter the coverage information as shown on your current policy. This makes sure you will get rate quotes using the exact same coverages.

The companies shown below offer free rate quotes in Tennessee. To locate cheap auto insurance in Memphis, it’s highly recommended you visit two to three different companies to get a more complete price comparison.

Score discounts to get cheaper Memphis insurance quotes

Some insurance providers do not advertise every policy discount in an easy-to-find place, so the list below contains both well-publicized and the harder-to-find discounts that you can inquire about if you buy Memphis car insurance online.Discount insurance

As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

To view providers who offer free Lincoln Continental insurance quotes in Tennessee, click here.

Choosing Continental insurance is an important decision

Even though it’s not necessarily cheap to insure a Lincoln in Memphis, maintaining insurance may be required and benefits you in several ways.

The benefits of buying insurance definitely exceed the price paid, particularly when you have a large claim. Today the average American driver is overpaying more than $865 each year so compare quotes from several companies at every policy renewal to ensure rates are inline.

Auto insurance company ratings

Selecting the top company can be challenging considering how many companies sell coverage in Memphis. The company information in the next section may help you pick which insurers to look at purchasing a policy from.

Top 10 Memphis Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Erie Insurance – A+
  6. Titan Insurance – A+
  7. Esurance – A+
  8. Progressive – A+
  9. Nationwide – A+
  10. The Hartford – A+

Top 10 Memphis Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

How do I know if I need professional advice?

When it comes to coverage, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that.Drive safe and save
For instance, these questions can help discover whether you might need an agent’s assistance.

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

What if I want to buy from local Memphis insurance agencies?

Certain consumers would prefer to visit with an insurance agent and there is nothing wrong with that. Good insurance agents are trained risk managers and give you someone to call. One of the best bonuses of price shopping on the web is that drivers can save money and get cheap insurance rates and still buy from a local agent.

Memphis insurance agentsTo find an agent, once you fill out this short form, the quote information is transmitted to local insurance agents in Memphis who will give you quotes for your coverage. You never need to search for any insurance agencies as quotes are delivered to you instantly. If you need to get a comparison quote from a specific insurance provider, you just need to find their quoting web page and fill out the quote form the provide.

Finding the right insurer requires more thought than just the bottom line cost. A good agent in Memphis will have answers to these questions.

Auto insurance 101

Having a good grasp of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Lincoln Continental.

Since many Tennessee drivers carry very low liability coverage limits (Tennessee limits are 25/50/15), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for things like X-ray expenses, doctor visits, surgery and rehabilitation expenses. They are used to cover expenses not covered by 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. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage – Collision insurance pays for damage to your Continental from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, sustaining damage from a pot hole, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible on your Continental to bring the cost down.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/15 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $15,000 for damage to vehicles and property.

Liability can pay for things like pain and suffering, court costs, funeral expenses, attorney fees and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford. Tennessee state minimum liability requirements are 25/50/15 but it’s recommended drivers buy better liability coverage.

The chart below shows why buying low liability limits may not provide you with enough coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, falling objects, damage from a tornado or hurricane, damage from flooding and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.