Compare 2003 Lincoln Aviator Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Trying to find the cheapest car insurance rates for your Lincoln Aviator? Saving money on car insurance is always hard for consumers new to comparison shopping online. You have so many companies to choose from that it can quickly become a big hassle to locate the lowest price.

Consumers should take time to check car insurance prices on a regular basis since insurance rates trend upward over time. Even if you got the lowest price for Aviator insurance two years ago you may be paying too much now. Forget all the misinformation about car insurance because we’re going to demonstrate the only way to get good coverage at a lower rate.

Free Quotes for Insurance

To find the best insurance prices, there are several ways of comparing price quotes from different insurance companies. The recommended way to find the lowest 2003 Lincoln Aviator rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

  1. The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing repetitive form submissions for each company. A single form gets rate comparisons from multiple companies. This is by far the quickest method.
  2. A slightly less efficient method to get quotes online is to take the time to go to each company website to complete a price quote. For sake of this example, let’s assume you want comparison quotes from Auto-Owners, Safeco and Progressive. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least recommended way to compare rates is driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you require the personal advice only provided by licensed agents. However, consumers can find lower rates online but still have the advice of a local agent and we’ll touch on that later.

However you get your quotes, ensure you are comparing exactly the same coverages with every price quote. If you compare higher or lower deductibles it’s not possible to truly determine the lowest rate. Having just a slight variation in coverages can make a big difference in price. And when price shopping your coverage, having more price comparisons will enable you to find a better price.

Lower rates by qualifying for discounts

Companies do not advertise every discount very clearly, so we researched both well-publicized as well as the least known savings tricks you should be using.

  • E-sign – Some insurance companies give back up to $50 just for signing your application over the internet.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Cars that have air bags can qualify for discounts of 20% or more.
  • Distant Student – Youth drivers who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.

Keep in mind that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

Car insurance companies that may have these money-saving discounts include:

Check with every prospective company which discounts they offer. Discounts may not be available in your state.

Why your Lincoln Aviator insurance rates may be high

Smart consumers have a good feel for the rating factors that go into determining insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Little extras can really add up – There are many additional coverages that can waste your money if you aren’t careful. Insurance for rental car reimbursement, accident forgiveness and motor club memberships are some examples. They may seem good at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • Multi-policy discounts can save money – Most insurance companies will give a discount to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to compare other company rates to verify if the discount is saving money.
  • Never let your coverage lapse – Not having insurance is illegal and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, failure to provide proof of insurance may earn you a revoked license or a big fine.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Do you work long hours in a high stress job? – Occupations such as real estate brokers, business owners and stock brokers tend to pay the highest rates in part from job stress and long work days. On the other hand, professions such as actors, students and retirees have the lowest average rates for Aviator insurance.
  • More people means more accidents – Residing in less populated areas can save you money when buying insurance. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers tend to have traffic congestion and longer commute times. Longer commute distances translates into higher accident risk.
  • Lower rates come with age – Older drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Young drivers have a tendency to get distracted easily behind the wheel therefore insurance rates are much higher.
  • Better crash test results mean better rates – Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Lincoln is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Car insurance is unique, just like you

When buying the best car insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my 2003 Lincoln Aviator covered for flood damage?
  • Why is insurance for a teen driver so high?
  • Will I lose any money if I cancel my policy before it expires?
  • Will my rates increase for filing one claim?
  • Is my babysitter covered when using my vehicle?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Car insurance coverage basics

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Lincoln Aviator.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, fire damage and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Collision insurance

Collision coverage pays for damage to your Aviator caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, colliding with a tree, driving through your garage door and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for rehabilitation expenses, dental work, funeral costs and doctor visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

In any little way, save everyday

Discount 2003 Lincoln Aviator insurance is attainable online as well as from independent agents, and you should be comparing both to get a complete price analysis. A few companies don’t offer online quoting and these regional insurance providers work with independent agents.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at a price you can afford.

People leave their current company for a number of reasons such as not issuing a premium refund, denial of a claim, being labeled a high risk driver or even questionable increases in premium. It doesn’t matter what your reason, finding the right car insurance provider can be pretty painless.

To read more, feel free to browse the following helpful articles:

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