Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 8, 2017

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Do you get confused by the wide range of auto insurance providers? You’re not alone. Drivers have so many choices that it can really be a difficult challenge to find the best premium rates.

If you have car insurance now, you will be able to save some money using these tips. The purpose of this post is to tell you how to get online quotes and some tips to save money. Nevertheless, consumers should learn the methods companies use to price insurance differently and take advantage of how the system works.

Lower your insurance rates

Consumers need to have an understanding of some of the things that aid in calculating your premiums. If you have some idea of what determines base rates, this enables informed choices that will entitle you to lower insurance coverage prices. Lots of factors are considered when you get your auto insurance bill. Some are obvious like an MVR report, although others are less apparent like your continuous coverage or your commute time.

  • Higher rates for stressful vocations – Occupations such as judges, social workers and miners tend to have higher premium rates attributed to intense work-related stress and lots of time spent away from family. On the other hand, occupations such as farmers, historians and the unemployed generally pay rates lower than average on Aviator insurance.
  • Don’t skimp on liability – The liability coverage on your policy is the protection if ever a jury decides you are liable for damages caused by your negligence. Your liability coverage provides legal defense coverage which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Urban areas may pay more – Residing in a rural area is a positive aspect when talking about insurance coverage. Lower population means fewer accidents in addition to fewer liability claims. City drivers have to deal with more auto accidents and longer commutes to work. More time on the road means higher likelihood of an accident.
  • Don’t abuse insurance coverage claims – If you tend to file frequent claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Companies award most affordable rates to policyholders who do not rely on their insurance for small claims. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Put fewer miles on your vehicle – Driving more miles in a year the more you will pay for insurance coverage. Most insurance companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use can be on a lower rate level than vehicles that have high annual mileage. Double check that your insurance coverage policy states the correct driver usage. Improper usage on your Aviator may be costing you higher rates.

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How to buy insurance online

There are multiple methods to shop for insurance, but some are less labor-intensive and much quicker. You can waste hours driving to insurance agencies in your area, or you can stay home and use the internet for quick rates.

The majority of car insurance companies belong to an insurance system where prospective buyers send in one quote, and each participating company then returns a price quote determined by their information. This eliminates the need for quote requests to every company.

To find out what other companies charge click here (opens in new window).

The only drawback to doing it this way is that you can’t choose the companies to get quotes from. So if you want to select from a list of companies to compare rates, we put together a list of companies who write insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just do your best to enter apples-to-apples coverage information for each comparison quote. If each company quotes unequal deductibles or liability limits you will not be able to determine which company has the best rates. Quoting even small variations in insurance coverages or limits could mean much higher rates. Just keep in mind that comparing a wide range of rates gives you a better chance of getting better pricing.

Save money by applying discounts

Insuring your fleet can be pricey, but you may be missing some discounts that can dramatically reduce your bill. A few discounts will be applied at the time of purchase, but a few must be requested specifically before you get the savings.

  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings up to 30%.
  • Driver’s Education for Students – Teen drivers should take driver’s ed class if offered at their school.
  • Low Mileage Discounts – Maintaining low annual mileage could earn better rates on cars that stay parked.
  • Club Memberships – Having an affiliation with a professional or civic organization could trigger savings when getting a auto insurance quote.
  • Discounts for Cautious Drivers – Safe drivers can pay as much as 50% less on Aviator insurance than drivers with accidents.
  • Payment Method – If you can afford to pay the entire bill instead of making monthly payments you can actually save on your bill.
  • Employee of Federal Government – Active or former government employment could provide a small rate reduction on Aviator insurance with select insurance companies.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way.

For a list of insurance companies that offer discounts, click here to view.

Your insurance coverage coverage should be tailored to you

When buying coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if you may require specific advice.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in my state?
  • If I drive on a suspended license am I covered?
  • Is my 2003 Lincoln Aviator covered for flood damage?
  • Is extra glass coverage worth it?
  • Am I covered when driving someone else’s vehicle?
  • What happens if I owe more than my 2003 Lincoln Aviator is worth?
  • Are rental cars covered under my policy?
  • What is medical payments coverage?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

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Insurance coverages and their meanings

Having a good grasp of insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, vandalism, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for things like X-ray expenses, prosthetic devices, funeral costs and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. 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 only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln Aviator.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability coverages

This coverage protects you from damage that occurs to other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as medical services, repair bills for other people’s vehicles, structural damage and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, hitting a mailbox, driving through your garage door, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

A fool and his money are soon parted

In this article, we covered many tips how you can reduce 2003 Lincoln Aviator insurance premium rates online. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers could even find that the biggest savings come from a small local company.

People leave their current company for a variety of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, not issuing a premium refund or even delays in paying claims. It doesn’t matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.

When you buy auto insurance online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped liability coverage limits and learned later that it was a big mistake. The goal is to buy enough coverage at the lowest possible cost.

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