Buy Lincoln Blackwood Insurance for Less Than You’re Paying Now

Finding the cheapest insurance for a Lincoln Blackwood can be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to shop for car insurance and we’ll show you the proper way to price shop coverage on a Lincoln and get the lowest possible price.

Lots of discounts mean lots of savings

Car insurance companies don’t always list every available discount very clearly, so here is a list both the well known and the harder-to-find ways to save on car insurance. If you’re not getting every credit possible, you’re just leaving money on the table.

  • College Student – Any of your kids who are attending college and do not have a car can receive lower rates.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Blackwood coverage than drivers with accident claims.
  • Defensive Driver – Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you may save at least 10% off all policies.
  • No Claims – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Homeowners Pay Less – Owning a house can save you money because owning a home requires personal responsibility.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

To choose companies with the best car insurance discounts, click this link.

How to Lower Your Car Insurance Cost

Performing a rate comparison can be a daunting task if you aren’t aware of the fastest way to get free quotes. You can waste hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.

Most major companies enroll in a system where insurance shoppers submit one quote, and at least one company provides a quote based on the submitted data. This system prevents you from having to do quotation requests to each company.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to doing it this way is you are unable to specify which insurance companies to get quotes from. So if you want to select individual companies to receive pricing from, we have assembled a list of car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverages on every quote. If each company quotes different deductibles then you won’t be able to make a fair comparison for your Lincoln Blackwood.

Lincoln Blackwood insurance premiums are calculated by many factors

Smart consumers have a good feel for the factors that come into play when calculating your car insurance rates. Knowing what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

  • Your credit rating is important – A driver’s credit score is a big factor in determining your rates. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your Lincoln Blackwood by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection if ever you are found liable for damages from an accident. It will provide legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. Safer cars have better occupant injury protection and better occupant protection means lower claim amounts and lower rates for you. If your Lincoln Blackwood scored better than four stars on it is probably cheaper to insure.
  • Performance influences rates – The performance level of the car you own makes a significant difference in how high your rates are. The most favorable rates are for low performance passenger cars, but there are many factors that impact the final cost. Since the Lincoln Blackwood is considered a pickup truck, insuring your vehicle will cost similar in price as compared to the average rate.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Mature drivers pay less – Older insureds are more cautious drivers, file fewer claims and tend to be better behind the wheel. Teen drivers are statistically proven to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.
  • Males pay more for insurance – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men tend to get into accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving.

Buying car insurance from a local agent

Some people would rather visit with an insurance agent. Licensed agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is you can get better rates but still work with a licensed agent.

After filling out this simple form, the coverage information is instantly submitted to participating agents who will give you bids to get your business. You won’t need to leave your house due to the fact that quote results will go to your email. How cool is that?!

Picking an provider needs to be determined by more than just the price. Ask your prospective agent these questions:

  • What is the agency’s Better Business Bureau rating?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Does the agency support the community they serve?
  • Do the coverages you’re quoting properly cover your vehicle?
  • If your car is totalled, how to they determine the replacement cost?

Captive and independent insurance agencies

When researching a good insurance agency, there are a couple of types of insurance agents to choose from. Agents are classified as either independent (non-captive) or captive. Both do a good job, but it’s good to learn how they differ since it can impact the selection process.

Captive Agents

Captive agents are contracted to one company and examples are American Family, State Farm and Allstate. These agents are unable to shop your coverage around so keep that in mind. Captives receive extensive training in insurance sales which helps them compete with independent agents. Consumers frequently purchase coverage from captives mainly due to the prominence of the brand and solid financial strength.

Independent Agents

Independent agents are not locked into one company so they have the ability to put coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.

When searching for an agent, it’s a good idea to contact at a minimum one independent agency for the best price selection.Many can place coverage with smaller companies who may have lower rates.

To view a full list of insurance agents, click here.

Once you have positive feedback for all questions you ask and an acceptable price quote, you have narrowed it down to a car insurance agent that can properly service your car insurance policy.

Ads can be misleading

Consumers can’t ignore all the ads that promise big savings by GEICO, State Farm and Progressive. They all seem to say the same thing that you’ll save big if you change to their company.

How can each company claim to save you money?

insurance for Blackwood

Insurance companies are able to cherry pick for the right customer that is profitable for them. An example of a profitable customer could possibly be over the age of 40, a clean driving record, and has great credit. A customer getting a price quote who matches those parameters will get very good rates and most likely will save when switching.

Drivers who don’t qualify for these standards will be charged a higher premium and this can result in business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that kind of money. That’s the way companies can advertise the way they do. That is why it’s extremely important to get as many quotes as possible. It’s not possible to predict the company that will have the lowest rates.

In Summary

In this article, we presented a lot of ways to reduce Lincoln Blackwood insurance prices online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with a smaller regional carrier.

Cost effective Lincoln Blackwood insurance can be sourced online as well as from independent agents, and you need to price shop both so you have a total pricing picture. A few companies don’t offer online quoting and these small insurance companies work with independent agents.

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. There have been many cases where an accident victim reduced liability limits or collision coverage and learned later that it was a big error on their part. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.