Compare Lincoln Continental Insurance Rate Quotes in Santa Ana

  1. Home
    2. >
  2. Santa Ana Auto Insurance
    3. >
  3. Lincoln Continental

The best way to save on Lincoln Continental insurance is to start comparing prices yearly from companies in Santa Ana.

  • Step 1: Read and learn about how auto insurance works and the modifications you can make to lower rates. Many policy risk factors that cause high rates like speeding tickets, careless driving and a negative credit score can be rectified by paying attention to minor details.
  • Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can provide price quotes for a wide range of companies. View companies
  • Step 3: Compare the new rate quotes to your existing rates to see if cheaper Continental coverage is available. If you find a lower rate quote and switch companies, ensure there is no coverage lapse between policies.
  • Step 4: Provide notification to your current company of your decision to cancel your current auto insurance policy and submit the application along with any required down payment to your new agent or company. Once the application is submitted, store the proof of insurance paperwork with your registration paperwork.

A good tip to remember is to use similar coverage information on each quote request and and to look at as many companies as possible. This ensures a fair rate comparison and and a good selection of different prices.

Insurance for Lincoln ContinentalUnthinkable but true, 70% of consumers have remained with the same auto insurance company for at least the last four years, and just under half have never compared rates from other carriers. The average driver in Santa Ana could cut their rates by 35% a year by just comparing rate quotes, but most undervalue the rate savings if they switched.

Pricing the best-priced protection in Santa Ana is easy to do. Practically anyone who needs lower cost insurance will find a lower-cost policy. But California consumers can benefit by having an understanding of the way insurance companies market on the web because it varies considerably.

Companies offering Lincoln Continental insurance in California

The companies in the list below are our best choices to provide free quotes in California. If multiple companies are listed, it's a good idea that you click on several of them to get the most affordable price.

Cheaper Santa Ana auto insurance rates with discounts

Insurance can be prohibitively expensive, but you might already qualify for some discounts to cut the cost considerably. Some of these discounts will be visible when you purchase, but a few must be specially asked for prior to getting the savings. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

  • Accident-Free Discounts - Claim-free drivers pay much less as opposed to policyholders that have many claims.
  • Own a Home - Being a homeowner can save a few bucks because maintaining a house shows financial diligence.
  • Safe Driver Discount - Accident-free drivers can pay as much as 50% less than less cautious drivers.
  • Clubs and Organizations - Being in a professional or civic organization is a good way to get lower rates on your next auto insurance statement.
  • Onboard Data Collection - Insureds who allow driving data collection to study driving manner by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they have good driving habits.
  • Policy Bundle Discount - When you combine your auto and homeowners insurance with the same company you could save 10% to 20% off each policy.
  • Online Discount - Certain larger companies will provide an incentive just for signing your application digitally online.
  • Federal Government Employee - Having worked for a branch of the government may qualify for a discount when you quote Santa Ana car insurance depending on your company.
  • Distant College Student Discount - Kids who live away from home to go to college and won't have access to an insured vehicle may be able to be covered for less.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.

As a disclaimer on discounts, some credits don't apply to the whole policy. Some only apply to individual premiums such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, it's just not the way it works. But all discounts will cut the premium cost.

For a list of auto insurance companies with discount auto insurance rates in California, click this link.

It's not one size fits all

When buying insurance from an agent or online, there isn't really a best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions can help discover whether or not you might need an agent's assistance.

  • Can I rate high risk drivers on liability-only vehicles?
  • Why do I need rental car insurance?
  • Is a blown tire covered by insurance?
  • Am I better off with higher deductibles on my Lincoln Continental?
  • Does coverage extend to a rental car in a foreign country?
  • Is extra glass coverage worth it?
  • When should I not buy collision coverage?
  • Who does medical payments coverage extend to?
  • How do I file an SR-22 for a DUI in California?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Comparing rates from local Santa Ana insurance agencies

Some people still like to sit down with an agent. A nice benefit of price shopping on the web is the fact that drivers can get cheap car insurance quotes and still choose a local agent. And supporting local agencies is important particularly in Santa Ana.

Find insurance agent in Santa AnaUpon completion of this quick form, your insurance coverage information is emailed to local insurance agents in Santa Ana that can give you free Santa Ana car insurance quotes for your insurance coverage. There is no need to do any legwork because quoted prices will be sent directly to you. You'll get the best rates without requiring a lot of work. If for some reason you want to get a comparison quote from one company in particular, you would need to go to their quote page and fill out their quote form.

What type of Santa Ana auto insurance agent is right for you?

If you are searching for a good insurance agency, you need to know there are two types of agencies and how they are slightly different. Agents can be classified as either exclusive agents or independent agents.

Independent Car Insurance Agents

Independent agents can sell policies from many different companies so as a result can place your coverage with a variety of different insurance companies enabling the ability to shop coverage around. If they find a cheaper price, they simply switch companies in-house and you can keep the same agent. When comparing rates, it's recommended you get some free quotes from a couple of independent agencies so that you can do a thorough price comparison. Most independent agents also contract with smaller regional carriers which could offer lower prices.

Listed below is a partial list of independent agencies in Santa Ana who can help you get comparison quotes.

More Santa Ana agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can usually just insure with one company such as Allstate and State Farm. These agents are not able to place coverage with different providers so keep that in mind. These agents are usually well trained on what they offer and that can be a competitive advantage. A lot of people use the same agent partially due to the brand legacy rather than having low rates.

The following are exclusive insurance agencies in Santa Ana willing to provide comparison quotes.

More Santa Ana agents

Choosing the best auto insurance agent should include more criteria than just the premium amount. A good agent in Santa Ana will have answers to these questions.

  • Can glass claims be handled at your home?
  • Can you contact them at any time?
  • Can you get a list of referrals?
  • How long has the business existed?
  • Is there a Errors and Omissions policy in force?

Compare. Compare. Compare.

Cheaper insurance in Santa Ana can be bought online and also from your neighborhood Santa Ana agents, and you should be comparing both so you have a total pricing picture. Some companies may not offer rate quotes online and most of the time these regional carriers only sell coverage through independent insurance agents.

When you buy Santa Ana car insurance online, don't be tempted to reduce needed coverages to save money. In too many instances, consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

To learn more, feel free to visit the following helpful articles: