Car Insurance Quotes for a Lincoln Town Car

The average annual auto insurance premium for a Lincoln Town Car auto policy is $1,770 for full and $946 for minimum coverage.

To drive legally in your state, you must purchase auto insurance. There are different types of policies, including liability-only (state minimum) and full coverage.

Freeway Insurance has all the tools you need to explore your policy options based on your budget and coverage requirements. We’ll be more than glad to provide a free, no-obligation consultation.

If you are looking for a new policy, two options to consider are liability-only and full coverage.

Both provide an excellent mix of benefits covering everything from vehicle-to-vehicle accidents to collisions with falling objects. Be sure to check your state minimum liability, so you are fully aware of how much coverage your state requires.

Full Coverage

As a best practice, drivers should seek full coverage policies, typically including liability, collision, and comprehensive. With this policy, providers agreed to pay for damages and injuries due to collision and non-collision-related incidents like theft, hail, and natural disasters.

Note: Add-ons to policies like rental reimbursement and uninsured/underinsured motorist (mandatory in some states) are not generally included in full coverage. In many states, most of these selections are optional but nice to have.

For better protection, go with full over liability-only.

State Minimum Liability

Any driver who seeks the minimum amount of auto coverage required to drive legally in their state is likely looking at a liability-only policy.

This policy only provides third-party benefits, paying for damages and injuries sustained by others and their property in an accident you cause. Liability minimums for bodily injury and property damage depend on the state. Many states have ultra-low limits (e.g., California’s $5,000 in property damage), barely enough to cover the cost of a fender bender.

If you can afford it, opt for higher limits and a policy with liability, collision, and comprehensive. In exchange for paying several hundred dollars more per year, you’ll benefit from increased protection and greater peace of mind while driving.

To determine the cost of your premiums, underwriters look at everything from your driving record to your deductible amount.

Driving Record

Drivers with a clean driving record free of claims, at-fault accidents, traffic tickets, and other mishaps on the road are likely to see lower premiums. In the insurer’s eyes, there is a lower likelihood/severity of accidents and improved eligibility for discounts and rewards.

Selected Coverage

A full policy (liability, collision, and comprehensive) costs more than a liability-only policy, which may not provide enough protection if you are involved in an accident. Opting for lower deductibles also means you will pay less out of pocket with any claim before your provider chips in and covers the rest.

Naturally, higher-limit policies cost more. A 100/300/100 policy costs more than your typical 25/50/25 policy, as more risk is passed on to the provider.

Discounts

One of the best ways to keep premiums down is by inquiring about and enrolling in discount programs. Everything from safe driving to usage space discounts (via telematics) may be available for the taking, just as long as you are eligible.

Any driver convicted of a first, second, or subsequent DUI offense can see everything from increased premiums to mandatory alcohol counseling, creating a financial and administrative hassle for all.

First, any DUI offense will automatically increase your premiums. You will also be classified as a high-risk driver. With that, there’s no guarantee that your existing provider will continue your policy. You might be forced to seek providers specializing in high-risk drivers, easily doubling or tripling your premiums.

Regrettably, a DUI will remain on your record for several years. Generally, this time frame goes up to seven years, a time window that varies by state. Even if a DUI conviction occurred 10 years ago, providers may still factor them into their underwriting calculations for future quotes.

You will also be required to file for an SR-22. Also known as a “Certificate of Financial Responsibility,” this form lets your state’s Department of Motor Vehicles know you have an active policy. This add-on will remain on file for several years, allowing the state to monitor your status.

All in all, avoid drinking and driving at all costs. Your future premiums depend on it.

One of the best ways for policyholders to save on premiums is through discounts.

Two of the most popular discounts are good driver and multi-policy discounts.

Also called “bundling,” multi-policy discounts reward policyholders for combining multiple policies under one umbrella (e.g., auto, life, and renter’s). Thanks to reduced administrative costs, savings are passed on to you.

In turn, good driver discounts are given to drivers who keep clean driving records for at least three to five consecutive years. It’s an extra thank you for being less risky to insure and practicing safe driving habits.

Other discounts available to Lincoln Town Car drivers include but are not limited to:

This is a vehicle in the full-size luxury sedan segment, discontinued after the 2011 model year.

Marketed as a 4-door sedan and known for its use as a limousine, this vehicle introduced luxury features such as six-way power seats, keyless entry, and a CD player. It was named Motor Trend’s Car of the Year in 1990 and was one of the best-selling luxury sedans ever.

Trim levels included Executive, Signature and Cartier, translated to basic luxury, more luxury and the most luxurious of all.

The Lincoln Town Car’s main competitors are the Cadillac DTS, Chrysler 300, Lexus LS, and Ford Crown Victoria.