2004 Lincoln Aviator Insurance Quotes

Locating better insurance prices for a new or used Lincoln Aviator can normally be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to find auto insurance online so you’re going to learn the quickest way to get price quotes for a Lincoln and locate the lowest price from both online companies and local agents.

Why your Lincoln Aviator insurance rates may be high

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Lower miles equals lower premium – The more miles you rack up on your Lincoln every year the higher your rate. Almost all companies rate vehicles based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your auto insurance policy is rated on how each vehicle is driven. If your policy improperly rates your Aviator can cost quite a bit.
  • Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • More people means more accidents – Living in a rural area has it’s advantages when talking about auto insurance. Fewer drivers means reduced accidents and a lower car theft rate. Urban drivers have congested traffic and longer commutes to work. More time commuting means higher likelihood of an accident.
  • Bundling policies can get discounts – The majority of companies provide better rates to insureds who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to verify if the discount is saving money. Consumers may find a better deal by insuring with multiple companies.
  • High credit ratings translate to low rates – Having a bad credit score is a important factor in determining your rates. If your credit is lower than you’d like, you could save money insuring your 2004 Lincoln Aviator by improving your rating. People with high credit scores tend to be more responsible than drivers with poor credit.

Automobile Insurance Quotes

Effectively comparing car insurance prices can be exhausting if you don’t know the fastest way to get free quotes. You can spend countless hours driving to insurance agencies in your area, or you could use online quoting to maximize your effort.

Most major companies take part in a program where insurance shoppers enter their coverage request one time, and every company then gives them pricing based on the submitted data. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

The one disadvantage to pricing coverage this way is you can’t choose the companies you want to price. If you wish to select from a list of companies to compare rates, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare apples-to-apples coverage information with each company. If you enter different deductibles it will be very difficult to determine the lowest rate for your Lincoln Aviator.

Drivers who switch save $393 a year? Really?

Consumers can’t ignore all the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all say the same thing of big savings if you change to their company.

How do they all make the same claim?

Insurance companies have a certain “appetite” for the driver that earns them a profit. For example, a driver they prefer could be over the age of 40, has no prior claims, and chooses high deductibles. A customer that hits that “sweet spot” is entitled to the best price and therefore will save when they switch companies.

Consumers who don’t qualify for this ideal profile will have to pay a higher premium and this can result in business not being written. The ad wording is “customers that switch” not “people who quote” save that much money. That is how companies can make the claims of big savings.

Because of the profiling, you absolutely need to quote coverage with many companies. It’s just too difficult to predict which car insurance company will give you the biggest savings on Lincoln Aviator insurance.

Cut your insurance rates with discounts

Car insurance is not cheap, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be inquired about prior to getting the savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Distant Student – Youth drivers who are attending college and don’t have a car can receive lower rates.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy on their website.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Aviator coverage depending on your company.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Aviator coverage than drivers with accidents.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Life Insurance – Some companies give better rates if you take out life insurance from them.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, insurance companies aren’t that generous. But all discounts will bring down the amount you have to pay.

Insurance companies who might offer these discounts may include but are not limited to:

Before buying, ask each company which discounts you may be entitled to. Discounts may not apply in your state.

You are unique and your car insurance should be too

When choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions might help in determining if your insurance needs could use an agent’s help.

  • I have health insurance so do I need medical payments coverage?
  • Should I have combined single limit or split liability limits?
  • Is a blown tire covered by insurance?
  • Is a fancy paint job covered?
  • How much liability coverage do I need in my state?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered if I wreck a rental car?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from flooding, hail damage and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like funeral expenses, emergency aid and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

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

Collision coverage protects against things such as driving through your garage door, crashing into a ditch, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Lincoln Aviator.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for funeral costs, ambulance fees and hospital visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Final thoughts

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone dropped comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, not issuing a premium refund or even delays in paying claims. It doesn’t matter what your reason, finding a new insurance coverage company can be easy and end up saving you some money.

We covered some good ideas how to get a better price on 2004 Lincoln Aviator insurance. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even find the biggest savings come from the least-expected company.

More tips and info about insurance coverage can be found at these sites: