2005 Lincoln Aviator Insurance Cost

Want cheaper auto insurance rates for your Lincoln Aviator? I can’t think of a single person who looks forward to buying auto insurance, in particular when their premiums are too high. Drivers have multiple car insurance companies to pick from, and though it is a good thing to have a selection, it makes it harder to find the lowest cost provider.

Automobile Insurance Quotes

Finding a lower price on 2005 Lincoln Aviator insurance is not rocket science. You just have to spend a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

The recommended way to get quotes is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing repetitive form submissions for each company. In just a few minutes this one form gets you price quotes from many national carriers.
A different way to obtain and compare quotes online consists of visiting each individual company website to complete a price quote. For examples sake, let’s say you want rates from State Farm, Esurance and Liberty Mutual. You would have to go to every website to input your insurance information, which is why most consumers use the first method.
To view a list of companies in your area, click here.
The least efficient way to compare rates is to spend time driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you have a need for the professional advice of a local agent. However, consumers can compare the best prices online but buy from a local insurance agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just compare apples-to-apples information on every quote. If you are comparing mixed coverages then you won’t be able to determine which rate is truly the best.

Don’t overlook these discounts

Companies that sell car insurance don’t always publicize all their discounts very clearly, so we researched both the well known as well as the least known discounts you could be receiving. If you’re not getting every credit available, you’re paying more than you need to.

Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in high school.
Auto/Home Discount – When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
Fewer Miles Equal More Savings – Driving fewer miles can earn better rates on cars that stay parked.
Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Aviator insurance than less cautious drivers.
Government Employees – Employees or retirees of the government may qualify you for a discount for Aviator insurance with a few insurance coverage companies.
Save over 55 – Older drivers may receive reduced rates for Aviator insurance.
Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.

It’s important to understand that most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurers with the best insurance coverage discounts, click here to view.

Is my situation unique?

When buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover whether your personal situation might need an agent’s assistance.

Why is insurance for a teen driver so high?
Do I need added coverage for expensive stereo equipment?
Am I covered if I crash into my own garage door?
What is medical payments coverage?
Should I buy additional glass protection?
What vehicles should carry emergency assistance coverage?
Does my personal policy cover me when driving out-of-state?
What are the financial responsibility laws in my state?
How do I buy GAP insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Coverages available on your insurance policy

Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as dental work, EMT expenses, prosthetic devices and chiropractic care. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, rock chips in glass and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability insurance will cover injuries or damage you cause to a person or their property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as medical services, attorney fees and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

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

Collision insurance covers claims like crashing into a ditch, sustaining damage from a pot hole, backing into a parked car, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2005 Lincoln Aviator.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.