2004 Lincoln Aviator Insurance Quotes

Want the cheapest car insurance rates for your Lincoln Aviator? Have you had enough of sacrificing other expenses to insure your Lincoln every month? You’re in the same situation as many other drivers. Companies like State Farm, Geico and Farmers Insurance promote their brand names with ads and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

It’s a good idea to price shop coverage before your next renewal due to the fact that insurance prices are adjusted regularly by insurance companies. If you had the lowest rate on Aviator insurance two years ago you will most likely find a better premium rate today. There are lots of tips to save on car insurance on the web, but I’m going to show you a bunch of ideas how to lower your car insurance premiums.

If you have a policy now or are shopping for new coverage, you can follow these tips to find better prices and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Drivers only need an understanding of how to get comparison rates online.

Get lower rates with these insurance discounts

Companies that sell car insurance don’t always advertise all available discounts very well, so the list below gives a summary of a few of the more common as well as the least known ways to save on insurance.

• Onboard Data Collection – Drivers who elect to allow their company to look at driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they show good driving skills.
• Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
• Seat Belts Save – Forcing all vehicle occupants to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Paperless Signup – Many larger companies will give a small break shop insurance on their website.
• Good Grades Discount – Being a good student can save 20 to 25%. The good student discount can last until age 25.
• Discount for New Cars – Insuring a vehicle that is new can save up to 30% since new vehicles have better safety ratings.
• Save with More Vehicles Insured – Insuring primary and secondary vehicles with the same company could earn a price break for each car.
• Air Bag Discount – Options like air bags or motorized seat belts can receive discounts up to 30%.
• Discounts for Cautious Drivers – Insureds who avoid accidents may receive a discount up to 45% on Aviator insurance than drivers with accidents.

We need to note that most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, nobody gets a free ride.

A list of companies and some of the premium reductions they offer are detailed below.

• Geico offers premium reductions for military active duty, membership and employees, seat belt use, multi-policy, defensive driver, and driver training.
• MetLife has discounts for claim-free, multi-policy, accident-free, good driver, and defensive driver.
• State Farm offers discounts including student away at school, Steer Clear safe driver discount, multiple policy, anti-theft, multiple autos, and Drive Safe & Save.
• Progressive may have discounts that include continuous coverage, multi-policy, multi-vehicle, online quote discount, good student, and homeowner.
• Mercury Insurance discounts include good driver, multi-car, ease of repair, anti-theft, good student, accident-free, and multi-policy.
• 21st Century has savings for automatic seat belts, 55 and older, student driver, homeowners, driver training, and early bird.
• Allstate includes discounts for resident student, defensive driver, eSmart discount, good student, and early signing.

If you need low cost insurance quotes, ask each insurance company which discounts can lower your rates. Some discounts listed above may not apply to policies in every state. To view insurance companies with discount insurance rates, click here.

Insurance can get complicated

When buying the best insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help highlight whether or not you may require specific advice.

• Is a blown tire covered by insurance?
• Do I have coverage when pulling a U-Haul trailer?
• Where can I get insurance after a DUI in my state?
• When should I remove comp and collision on my 2004 Lincoln Aviator?
• What discounts do I qualify for?
• How can I force my company to pay a claim?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Do drivers who switch really save $463 a year?

Consumers constantly see and hear ads that promise big savings for switching from companies such as Allstate and Progressive. All the companies try to convey promises of big savings after switching your insurance coverage coverage to their company.

How does every company offer drivers better rates? This is how they do it.

All the different companies have underwriting criteria for a prospective insured that will not have excessive claims. For instance, a desirable insured may need to be a female over age 40, carries full coverage, and chooses high deductibles. Any person that meets those criteria gets the lowest prices and is almost guaranteed to cut their rates substantially.

Insureds who don’t meet the “perfect” profile will be charged a higher premium and ends up with the customer not buying. If you pay close attention to the ads, they say “people that switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can truthfully make claims like that.

Because each company has a different risk profile, you need to do a rate comparison at every renewal. It’s not possible to predict which insurance companies will give you the biggest savings.

Insurance coverage considerations

Knowing the specifics of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, a tree branch falling on your vehicle and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Aviator.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like surgery, hospital visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage covers damage to your Aviator from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability insurance

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, structural damage and attorney fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Save your cold hard cash

As you quote insurance, never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

We covered some good ideas how to lower your 2004 Lincoln Aviator insurance prices. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the best prices are with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

Lower-priced auto insurance is attainable from both online companies in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide internet price quotes and most of the time these regional carriers work with local independent agencies.

For more information, link through to these articles:

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)