Compare Lincoln Continental Insurance Rate Quotes in Minneapolis

Did a good deal turn into overpriced Lincoln Continental insurance in Minneapolis? Trust us, you are not the only one feeling buyer’s remorse.

It’s a known fact that auto insurance companies don’t want you shop around. People who shop around at least once a year will presumably buy a different policy because the odds are good of finding discount prices. A recent car insurance study discovered that consumers who compared rates regularly saved about $865 annually as compared to drivers who never compared rates.

If saving the most money on insurance is the reason you’re reading this, then learning about the best way to compare cheaper coverage can make shopping around easier. Consumers have multiple insurance companies to pick from, and even though it’s nice to have a choice, more options can take longer to compare rates for Lincoln Continental insurance in Minneapolis.

Smart consumers take time to get comparison quotes periodically due to the fact that insurance rates are usually higher with each renewal. Just because you had the best deal on Lincoln Continental insurance in Minneapolis six months ago other companies may now be cheaper. You’ll find a ton of advice on Continental insurance on the web, but in this article, you’re going to get the easiest ways to put money back in your pocket.

Getting quotes for the best policy in Minneapolis is not as hard as you may think. If you have coverage now or want to find a cheaper company, you will benefit by learning to reduce premiums without having to cut coverage. Drivers just have to know the most efficient way to compare prices online from multiple companies.

Companies offering cheap Lincoln Continental rates in Minneapolis, MN

The companies in the list below are our best choices to provide price comparisons in Minnesota. If multiple companies are listed, we suggest you click on several of them in order to find the most competitive rates.

Don’t overlook these Lincoln Continental insurance discounts

Car insurance is not inexpensive, but there could be available discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you quote, but less common discounts must be manually applied before they will apply.

• Driver’s Education for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
• Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break when shopping for car insurance.
• Safety Course Discount – Participating in a course teaching driver safety skills may get you a small discount if you qualify.
• Multi-Vehicle Discounts – Buying a policy with multiple vehicles on one policy could earn a price break for each car.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
• Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.

Don’t be shocked that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that all those discounts means the company will pay you, it’s just not the way it works.

Large car insurance companies and a selection of discounts are outlined below.

• State Farm offers premium reductions for multiple policy, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, multiple autos, defensive driving training, and student away at school.
• GEICO may have discounts that include membership and employees, multi-vehicle, five-year accident-free, air bags, multi-policy, driver training, and federal employee.
• Liberty Mutual discounts include teen driver discount, safety features, new vehicle discount, multi-car, newly retired, and good student.
• The Hartford may include discounts for air bag, bundle, anti-theft, vehicle fuel type, driver training, good student, and defensive driver.
• MetLife offers discounts for multi-policy, good driver, defensive driver, claim-free, and accident-free.
• Progressive has discounts for multi-vehicle, good student, online quote discount, continuous coverage, homeowner, and multi-policy.

When getting a coverage quote, ask every company the best way to save money. Discounts may not apply in Minneapolis.

Save Money with These Tips

The best way to find cheaper car insurance is to take a look at the different types of things that come into play when calculating the rates you pay for car insurance. If you know what controls the rates you pay, this allows you to make educated decisions that may result in cheaper rates. Many factors are used in the calculation when you get your auto insurance bill. Some are obvious such as traffic violations, but others are more transparent like where you live or how financially stable you are.

Is your vehicle built for speed? – The type of car you drive makes a big difference in determining your rates. The cheapest rates will normally be found when insuring low performance passenger vehicles, but your final cost has many other factors.

Do you know your coverage deductibles? – Physical damage insurance, also known as collision and other-than-collision, helps pay for damage to your vehicle. A few examples of covered claims could be collision with another vehicle, collision with an animal, and rolling your vehicle. The deductibles define how much you are willing to pay if the claim is covered. The more the insured is willing to pay, the lower your rates will be.

Buy a safe car and pay less – Vehicles with good safety scores can get you lower premiums. Safe vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If the Lincoln Continental is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

Eliminate incidental coverages – There are quite a few extra add-on coverages that may not really be needed if you don’t pay attention. Add-on coverages like coverage for rental cars, towing coverage, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good initially, but if they’re wasting money eliminate the coverages to reduce your premium.

Liability coverage – Your policy’s liability coverage will afford coverage if you are responsible for damages caused by your negligence. Your policy’s liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

Better credit means lower costs – Your credit score factor in determining premium rates. If your credit is lower than you’d like, you could be paying less to insure your Lincoln Continental if you clean up your credit. Drivers who have high credit scores tend to be better risks to insure as compared to drivers with bad credit.

An active claims history can cost you – Car insurance companies in Minnesota generally give better rates to people who only file infrequent claims. If you tend to file frequent claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is intended for claims that you cannot pay yourself.

Cautious drivers have lower prices – Good drivers get better prices as compared to careless drivers. Getting just one moving violation may cause rates to rise twenty percent or more. Drivers who have serious citations such as DUI, reckless driving or excessive speeding may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive.

Insurance agent or online?

A small number of people still prefer to get advice from a local agent and that is not a bad decision Good insurance agents can make sure you are properly covered and help in the event of a claim. One of the best bonuses of comparing insurance prices online is that you can obtain cheap car insurance quotes but still work with a licensed agent. Putting coverage with local insurance agents is still important in Minneapolis.

To make it easy to find an agent, after completing this short form, the quote information is sent to insurance agents in Minneapolis who can give free rate quotes for your coverage. There is no need to visit any agencies as quotes are delivered directly to you. If for some reason you want to compare prices for a specific company, you can always visit that company’s website to submit a rate quote request.

The difference between Minneapolis car insurance agents

If you’re trying to find a reliable insurance agent, there are two types of insurance agents and how they can service your needs differently. Car insurance policy providers can be categorized as either exclusive agents or independent agents. Both can provide car insurance policies, but we need to point out the difference in how they write coverage since it may influence buying decisions.

Independent Agencies or Brokers

Agents in the independent channel are normally appointed by many insurers and that allows them to write policies through many different car insurance companies and find you the best rates. If they find a lower price, they simply move your policy to a different company without you having to go to a different agency.

When comparing car insurance rates, we highly recommend that you get some free quotes from at least one independent agent to get the most accurate price comparison.

The following are independent insurance agencies in Minneapolis that may be able to provide pricing information.

View more Minneapolis agents

Exclusive Agents

Exclusive agents can only quote rates from one company like State Farm, Allstate, or Farmers Insurance. They generally cannot shop your coverage around so you might not find the best rates. Exclusive insurance agents are well trained on what they offer and that allows them to sell at a higher price point.

Shown below is a list of exclusive agencies in Minneapolis who can help you get rate quotes.

View more Minneapolis agents

Finding a good auto insurance agent shouldn’t rely on just a cheap price quote. The answers to these questions are important, too.

• If you are a high risk driver, do they have special markets for your coverage?
• Are you getting all the discounts the company offers?
• Do they specialize in personal lines auto insurance in Minneapolis?
• Do they get paid more for recommending certain coverages?
• Will the agent or a CSR service your policy?
• What are their preferred companies if they are an independent agency?

A little work can save a LOT of money

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

We just showed you a lot of ways to get a better price on Lincoln Continental insurance in Minneapolis. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may even discover the lowest premium rates come from the least-expected company. They may have significantly lower prices on certain market segments compared to the large companies like Allstate and Progressive.

How to save money on Lincoln Continental insurance in Minneapolis

If you want to save money, the best way to save on auto insurance rates is to regularly compare prices from providers who sell auto insurance in Minneapolis. Prices can be compared by following these guidelines.

First, it will benefit you to learn about individual coverages and the steps you can take to prevent expensive coverage. Many things that cause high rates such as careless driving and a negative credit history can be eliminated by being financially responsible and driving safely.

Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.

Third, compare the new rates to your existing coverage and see if you can save money. If you find a better price, make sure there is no coverage gap between policies.

A good tip to remember is to make sure you enter the same coverage limits and deductibles on every price quote and and to analyze as many different insurance providers as possible. Doing this ensures an accurate price comparison and a thorough selection of prices.

More information

• Uninsured Motorist Statistics (Insurance Information Institute)
• How Much is Minneapolis Car Insurance for 4×4 Vehicles? (FAQ)
• How Much is Minneapolis Car Insurance for a Nissan Sentra? (FAQ)
• Who Has Affordable Auto Insurance for Low Credit Scores in Minneapolis? (FAQ)
• Choosing a Car for Your Teen (State Farm)
• Should I Buy a New or Used Car? (Allstate)
• How to Avoid Common Accidents (State Farm)
• How do I File a Claim? (Insurance Information Institute)