2004 Lincoln LS Insurance Quotes

Finding low-cost insurance for a new or used Lincoln LS can normally be an all-consuming task, but you can use our car insurance buying tips to save time. There is a better way to compare car insurance rates and we’ll show you the absolute fastest way to compare rates for your Lincoln and locate the cheapest rates from local insurance agents and online providers.

It’s important to take a look at other company’s rates once or twice a year due to the fact that insurance rates change regularly. Even if you think you had the best price for LS coverage a few years ago other companies may now be cheaper. So forget anything you know (or think you know) about car insurance because you’re about to learn the best methods to reduce your cost while increasing coverage.

Automobile Insurance Quotes

Finding lower insurance coverage rates is actually quite simple. The only requirement is to spend a few minutes to get quotes online with multiple companies. This can be done in a couple of different ways.

  1. Probably the best way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for multiple quote forms for each company. One simple form will return price quotes instantly. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to get comparison quotes is to manually visit the website for every company you want to comare to complete a price quote. For instance, let’s assume you want comparison quotes from State Farm, Progressive and GMAC. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is more popular.

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

  3. The hardest way of getting rate comparisons is to waste gas driving to local insurance agencies. The internet has reduced the need for local agents unless you require the professional advice only provided by licensed agents. Drivers can compare online quotes and get advice from an agent in your area and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just compare exactly the same coverage limits and deductibles on every quote. If each company quotes mixed coverages it’s impossible to determine which rate is truly the best.

Verify you’re getting all your discounts

Companies don’t necessarily list every available discount in an easy-to-find place, so here is a list both the well known and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • One Accident Forgiven – A handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company qualifies for this discount.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for LS coverage.
  • Good Student – Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.

Keep in mind that most of the big mark downs will not be given the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurance companies who offer car insurance discounts, follow this link.

Lincoln LS insurance rates have many determining factors

Smart consumers have a good feel for the different types of things that play a part in calculating your insurance coverage rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with better insurance coverage rates.

  • Extra add-on coverages are wasting money – There are a ton of additional coverages you can purchase when buying insurance coverage. Insurance for roadside assistance, better glass coverage and additional equipment coverage are examples of these. They may seem good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Always keep insurance in force – Having an insurance coverage lapse is a guaranteed way to trigger a rate increase. And not only will your rates increase, getting caught without coverage can result in a steep fine or even jail time.You may then be required to file a SR-22 with your state department of motor vehicles.
  • Higher safety ratings means cheaper insurance – Safer cars can get you lower premiums. The safest vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Lincoln LS earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for insurance coverage? Careers like doctors, architects and stock brokers have the highest rates due to stressful work requirements and lengthy work days. On the other hand, professions such as pilots, students and performers get better rates for LS coverage.
  • Do you know you’re credit rating? – Having a bad credit score is a large factor in determining what you pay for insurance coverage. If your credit score is lower than you’d like, you could pay less to insure your 2004 Lincoln LS by spending a little time repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Your location affects your rates – Choosing to live in a rural area can save you money when it comes to insurance coverage. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Lower population means reduced accidents and also fewer theft and vandalism claims.
  • Increase deductibles and save – Physical damage deductibles represent how much money you are required to spend out-of-pocket before your insurance coverage pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, vandalism, or theft. The more you’re willing to pay, the less your company will charge you for insurance for LS coverage.

When should I talk to an agent?

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might point out whether your personal situation might need an agent’s assistance.

  • How do I file an SR-22 for a DUI in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I getting all the discounts available?
  • When would I need rental car insurance?
  • What exactly is covered by my policy?
  • Does coverage extend to a rental car in a foreign country?
  • Does liability extend to a camper or trailer?
  • How high should deductibles be on a 2004 Lincoln LS?
  • When should I not file a claim?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.

Educate yourself about car insurance coverages

Knowing the specifics of car insurance aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage protection

Collision coverage covers damage to your LS from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for things like hospital visits, pain medications, chiropractic care and funeral costs. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability

Liability coverage will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like structural damage, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Lincoln LS.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, a tree branch falling on your vehicle, theft, a broken windshield and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Feed the piggy bank

Cheap 2004 Lincoln LS insurance is possible on the web as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

People who switch companies do it for a variety of reasons including delays in paying claims, policy cancellation, delays in responding to claim requests or high prices. Regardless of your reason, choosing a new insurance company is not as hard as you think.

You just learned many tips how you can compare insurance prices online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with a smaller regional carrier.

More detailed insurance information is available by following these links: