Lower Your 2005 Lincoln LS Insurance Quotes

Finding better insurance prices for a new or used Lincoln LS can normally be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to shop for insurance coverage and we’ll show you the absolute fastest way to get price quotes on a Lincoln and locate the lowest price either online or from local insurance agents.

If you have a policy now or are looking for a new policy, you can learn to cut your premiums and still get good coverage. Locating affordable insurance coverage is easy if you know what you’re doing. Vehicle owners just need to know the tricks to buy insurance coverage online.

How to get free insurance coverage quotes online

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way to do it. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

All the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and each participating company provides a quote. This prevents consumers from doing quote requests to every company.

To use this form to compare rates click here (opens in new window).

One minor caviat to using this type of form is you are unable to specify the companies to get quotes from. If you wish to select from a list of companies to compare, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make darn sure you compare the exact same coverage limits and deductibles for every company. If you use different liability limits you will not be able to get a fair rate comparison.

Take policy discounts and save

Companies offering auto insurance don’t always advertise their entire list of discounts in an easy-to-find place, so the list below contains a few of the more well known and the harder-to-find savings tricks you should be using when you buy auto insurance online.

• Own a Home and Save – Just owning your own home may trigger a policy discount on car insurance since home ownership shows financial diligence.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you lower rates if you buy some life insurance in addition to your auto policy.
• Professional Memberships – Belonging to qualifying employment or professional organizations can get you a small discount on your next renewal.
• Active Service Discounts – Being deployed with a military unit could trigger a small discount.
• Government Employees – Active or former government employment can earn a discount up to 10% on LS insurance with certain companies.
• Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
• One Accident Forgiven – This isn’t a discount exactly, but companies like Geico, Progressive, and Allstate may permit one accident before raising your premiums if you have no claims for a specific time period.
• Senior Citizen Discount – Older drivers may qualify for reduced rates on LS insurance.
• Bundled Policy Discount – If you combine your home and auto policies with the same insurance company you could get a discount of at least 10% off all policies.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But all discounts will help reduce your overall premium however.

Companies that may include these money-saving discounts include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

When getting a coverage quote, ask each company how many discounts you can get. Discounts may not apply to policies in your area. To locate providers who offer car insurance discounts, click this link.

Which policy gives me the best coverage?

When buying the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if you might need an agent’s assistance.

• Do I need more liability coverage?
• How much liability insurance is required?
• What is UM/UIM insurance?
• Is motorclub coverage worth it?
• Am I covered when pulling a rental trailer?
• I have health insurance so do I need medical payments coverage?
• How much liability do I need to cover my assets?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance policy coverages for a Lincoln LS

Learning about specific coverages of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like emergency aid, court costs, funeral expenses, bail bonds and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, a tree branch falling on your vehicle, hitting a bird and theft. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as prosthetic devices, surgery, X-ray expenses, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision insurance

This coverage pays for damage to your LS from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Be a smart shopper

Insureds switch companies for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, delays in paying claims and not issuing a premium refund. Regardless of your reason for switching companies, finding a new company is less work than it seems.

When buying insurance coverage, do not reduce needed coverages to save money. There are too many instances where someone dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest price and still be able to protect your assets.

We’ve covered quite a bit of information on how to shop for 2005 Lincoln LS insurance online. The key concept to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. You may even discover the most savings is with a small mutual company.

More tips and info about insurance can be read in the articles below:

• Teen Driving Statistics (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Safety Belts FAQ (iihs.org)