Ultimate Guide for Buying Auto Insurance for a Lincoln Aviator

No sane person loves paying for auto insurance, especially when they know they could find lower prices if they just compared rates. Numerous insurance companies battle to insure your vehicles, so it can be very hard to choose a provider to find the lowest rate possible.

If you have a policy now or need new coverage, you can learn to cut your premiums and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers only need an understanding of the most efficient way to compare price quotes over the internet.

There are several ways to compare auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon talking about coverages with insurance companies in your area, or you can utilize online quotes to maximize your effort.

All the larger companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company can give them a price based on that information. This system prevents you from having to do quotation requests to each company. To compare pricing click here (opens in new window).

The single downside to getting quotes like this is buyers cannot specifically choose the insurers to receive prices from. So if you want to select specific insurance companies to compare rates, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just double check that you are using the exact same coverage limits and deductibles on every quote. If each company quotes differing limits you will not be able to determine which rate is truly the best.

Take advantage of these discounts

Properly insuring your vehicles can get expensive, but you may find discounts that you may not know about. Many of these discounts will be applied automatically at the time of quoting, but a few need to be asked for before they will apply.

• Drivers Ed for Students – Have your child enroll and complete driver’s education in school or through a local driver safety program.
• Discount for New Cars – Putting coverage on a new car can be considerably cheaper because newer models are generally safer.
• Fewer Miles Equal More Savings – Low mileage vehicles may allow you to get substantially lower premium rates.
• Good Grades Discount – Excelling in school can save 20 to 25%. You can use this discount normally until age 25.
• Use Seat Belts – Forcing all vehicle occupants to buckle up may be able to save a few bucks off PIP or medical payments premium.
• Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
• Membership in Organizations – Participating in qualifying employment or professional organizations may earn a discount when shopping for auto insurance.

One thing to note about discounts is that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

A few of the larger companies and the discounts they provide include:

• Farmers Insurance offers premium reductions for bundle discounts, teen driver, distant student, pay in full, and homeowner.
• Esurance policyholders can earn discounts including renters, safety device, good driver, anti-theft, paid-in-full, and Pac-12 alumni.
• State Farm may include discounts for defensive driving training, anti-theft, accident-free, Drive Safe & Save, Steer Clear safe driver discount, and multiple autos.
• GEICO may offer discounts for defensive driver, membership and employees, multi-vehicle, anti-lock brakes, and good student.
• Allstate may have discounts that include auto/life discount, anti-lock brakes, good student, early signing, defensive driver, teenSMART discount, and safe driver.

If you need lower rates, check with every company what discounts are available to you. Savings may not apply to policyholders in your area. If you would like to see a list of auto insurance companies with discount auto insurance rates, click here to view.

Your situation helps dictate your coverage

When it comes to buying the best auto insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

• Can I afford low physical damage deductibles?
• Is my teen driver covered when they drive my company car?
• Is my dog or cat covered if injured in an accident?
• What if I total my Lincoln Aviator and owe more than it’s worth?
• I have good health insurance, so how much medical payments coverage do I need?
• Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.