Compare 2003 Lincoln Aviator Insurance Quotes

Nobody I know likes paying for insurance, in particular when their premiums are through the roof. Because you have many choices of insurance companies, it’s difficult to find the lowest cost car insurance company.

It’s important to price shop coverage occasionally because rates are constantly changing. Just because you had the best deal on Aviator coverage a couple years back you will most likely find a better rate today. Don’t believe everything you read about insurance on the web, but we’re going to give you a lot of great tips on how to save money.

Save on 2003 Lincoln Aviator insurance

Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be asked about before you get the savings. If you’re not getting every credit available, you’re paying more than you need to.

  • Accident Forgiveness – A few companies allow you one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Aviator coverage than their less cautious counterparts.
  • Passive Restraints – Vehicles equipped with air bags can receive discounts of 20% or more.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will help reduce your overall premium however.

Car insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts may not be available in your area.

The most recommended method to compare policy rates takes advantage of the fact most larger insurance companies actually pay money for the chance to give rate comparisons. To begin a comparison, all you need to do is provide information like if the car is leased, how your vehicles are used, your credit rating estimate, and your occupation. Your information is then submitted to many different companies and they respond with quotes instantly to find the best rate.

To compare rates for a 2003 Lincoln Aviator now, click here and enter your zip code.

Tailor your coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • Is my teenager covered with friends in the car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have coverage if my license is suspended?
  • Are split liability limits better than a combined single limit?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my custom paint covered by insurance?
  • Can my teen drive my company car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance coverage considerations

Knowing the specifics of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Lincoln Aviator.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills like nursing services, doctor visits and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage can cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as pain and suffering, bail bonds and legal defense fees. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for claims like hitting a deer, theft, hail damage, a broken windshield and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision insurance covers damage to your Aviator resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, crashing into a building, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Buy online or local, you save

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. There have been many cases where an insured cut physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price while still protecting your assets.

We covered many tips how you can reduce 2003 Lincoln Aviator insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with the least-expected company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

For more information, link through to the resources below: