2005 Lincoln Aviator Insurance Rates – 10 Savings Tips

Want cheaper auto insurance rates for your Lincoln Aviator? There isn’t anyone who looks forward to paying premiums for auto insurance, in particular when they could find better rates elsewhere. Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates to discover the definitive lowest rate

If you are insured now or need a new policy, you can use these tips to find better prices while maintaining coverages. Buying car insurance is not rocket science. Drivers just need to learn how to get comparison rates online.

Save with these ten discounts

Car insurance is not inexpensive, but you can get discounts that can drop the cost substantially. Most are applied at the time of quoting, but some discounts are required to be manually applied prior to receiving the credit.

  • Good Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates on Aviator insurance than drivers with accidents.
  • Waiver for an Accident – Not really a discount, but some companies like Liberty Mutual and Geico will forgive one accident before hitting you with a surcharge so long as you are claim-free for a set time period.
  • Payment Method – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
  • Distant College Student Discount – College-age children who are enrolled in higher education away from home and do not take a car to college could get you a discount.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Membership in Organizations – Joining certain professional organizations is a simple method to lower premiums on car insurance.
  • Switch and Save Discount – A few companies offer discounts for switching to them before your current expiration date. Ten percent is about the average savings.
  • Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on Aviator insurance with certain companies.
  • Seat Belt Discounts – Requiring all passengers to use their safety belts can save a little on the premium charged for medical payments and/or PIP.
  • Homeowners Savings – Just owning your own home may trigger a policy discount on car insurance since home ownership demonstrates responsibility.

Keep in mind that some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts should help reduce your overall bill.

To view insurance companies that have a full spectrum of discounts, follow this link.

How to shop auto insurance online

All major auto insurance companies provide pricing direct online. Getting prices online is pretty painless as you just type in your coverage preferences into a form. Once entered, their system pulls credit information and your driving record and provides a quote determined by many factors. Online price quotes simplifies rate comparisons, but the work required to visit a lot of sites and type in the same data can be a bit repetitive. But it’s necessary to compare as many rates as possible if you are searching for the lowest possible prices on auto insurance.

Compare rates the easy way

A better way to find better auto insurance pricing uses one simple form that obtains quotes from several companies at one time. This type of form saves time, reduces the work, and makes comparison shopping much more enjoyable and efficient. Once the form is submitted, it is rated and you can choose any or none of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. The whole process only takes a few minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you enter deductibles and limits identical to your current policy. This guarantees you will be getting comparison quotes for the exact same coverage.

Special considerations

When it comes to choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight if your situation will benefit from professional help.

  • Are split liability limits better than a combined single limit?
  • How many claims can I have before being cancelled?
  • Do I need rental car coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I get a multi-policy discount?
  • Should I have a commercial auto policy?
  • What is covered by UM/UIM coverage?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Parts of your car insurance policy

Having a good grasp of car insurance helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Collision protection

Collision insurance pays for damage to your Aviator resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, sideswiping another vehicle, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Lincoln Aviator.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills like dental work, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This provides protection from damage or injury you incur to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like repair costs for stationary objects, emergency aid, court costs and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, a broken windshield and fire damage. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Make a quick buck

Cheaper auto insurance is possible online as well as from independent agents, and you should compare rates from both to have the best selection. Some companies may not offer the ability to get a quote online and these smaller providers prefer to sell through independent insurance agents.

We just showed you a lot of ways to compare 2005 Lincoln Aviator insurance rates online. It’s most important to understand that the more companies you get car insurance rates for, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the lowest priced auto insurance comes from some of the smallest insurance companies. Some small companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate, Geico and Progressive.

As you quote insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where someone sacrificed collision coverage only to regret at claim time that it was a big error on their part. Your goal should be to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

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