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: Dec 30, 2017

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Trying to find lower insurance coverage rates for your Lincoln Aviator? If you’re shopping for lower-priced insurance online, are you intimidated by the wide range of insurance coverage companies available to you? Lot’s of other drivers are too. There are so many companies to choose from that it can quickly become more work than you anticipated to find the best rates.

How to buy insurance online

Many insurance companies like 21st Century, Allstate and State Farm make it easy to get pricing on the web. Doing online quotes is possible for anyone as you simply enter your coverage preferences into the form. When complete, the company’s rating system collects your credit score and driving record and returns a price quote.

Quoting online makes it simple to compare prices but the work required to visit several different sites and type in the same information is a waste of time. But it’s very important to compare as many rates as possible if you want to get lower prices.

A quicker way to locate the lowest prices uses one simple form to get prices from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much simpler. As soon as the form is sent, it gets priced with multiple companies and you can pick any of the returned quotes.

If a lower price is quoted, you can click and sign and purchase the new policy. It can be completed in less than 10 minutes and you will know how your current rates stack up.

To save time and find out what other companies charge, simply click here to open in new window and enter your information. To compare your current rates, we recommend you type in the insurance coverages identical to your current policy. This makes sure you will receive comparison quotes using the same coverage and limits.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Be skeptical of auto insurance ads

Big name companies like 21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies tend to make the same promise that people will save just by switching to their company. How is it possible that every company can make the same claim? You have to listen carefully.

All companies have a certain “appetite” for the driver that will generate a profit. An example of a preferred risk may be between the ages of 30 and 50, has never had a policy lapse, and drives less than 5,000 miles a year. A customer who matches that profile is entitled to the best price and have a good chance to save some money.

People who do not fit these criteria may be required to pay higher premiums which translates to the driver buying from a lower-cost company. The ads state “drivers who switch” but not “all drivers who get quotes” save the amount stated. That’s why companies can truthfully claim big savings.

This really emphasizes why you absolutely need to quote coverage with many companies. It’s just not possible to know which insurance companies will have the best rates at this point in time.

Five tips to get cheaper insurance costs

Lots of factors are used when premium rates are determined. A few of the factors are predictable such as your driving history, but other factors are less apparent like your vehicle usage or your vehicle rating.An important part of buying insurance is that you know the different types of things that play a part in calculating insurance rates. When consumers understand what impacts premium levels, this allows you to make educated decisions that may result in much lower annual insurance costs.

  • Infrequent drivers can save – The higher the miles on your Lincoln in a year’s time the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates determined by how the vehicle is used. Vehicles that sit idle most of the time qualify for better rates than those that get driven frequently. Improper usage on your Aviator can result in significantly higher rates. Verify your policy correctly shows the correct usage.
  • Insurance rates in urban areas – Choosing to live in areas with lower population can be a good thing when shopping for auto insurance. People in densly populated areas regularly have more road rage incidents and more severe claims. Fewer drivers and short commutes translates into fewer accident claims and lower theft and vandalism rates.
  • Deter vehicle theft – Choosing to buy a car with an alarm system can save you some money. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
  • Your career may increase insurance rates – Do you work in a high-stress field? Careers such as fire fightersair traffic controllers and emergency personnel tend to have the highest average rates in part from high stress levels and extremely grueling work hours. Other jobs such as farmers, athletes and retirees get better rates on Aviator coverage.
  • Get better rates if married – Having a significant other may earn you lower rates when buying insurance. It may mean you are less irresponsible and statistics prove drivers who are married file infrequent claims.

More affordable rates with these discounts

Some providers don’t always advertise the entire discount list in a way that’s easy to find, so the following is a list of both well-publicized and also the more inconspicuous car insurance savings.

  • Defensive Driver Discounts – Taking a defensive driving course could possibly earn you a 5% discount and make you a better driver.
  • Life Insurance – If the company offers life insurance, you could get a small discount if you purchase life insurance from them.
  • Save with More Vehicles Insured – Buying a policy with more than one vehicle with one company can reduce the rates for all insured vehicles.
  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break when shopping for car insurance.
  • Telematics Discount – Policyholders that allow their car insurance company to spy on driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as the data is positive.
  • Government Employees – Active or former government employment can earn a discount up to 10% on Aviator coverage depending on your car insurance provider.

Please keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way.

Some of the insurance companies that may include most of the discounts above include:

If you need the cheapest car insurance quotes, ask each insurance company which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your area. To see a list of companies that have a full spectrum of discounts, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance can be complex

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

For instance, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Does my policy cover my teen driver if they drive my company car?
  • When should I not file a claim?
  • Is other people’s property covered if stolen from my vehicle?
  • Is business equipment covered while in my vehicle?
  • Do I need motorclub coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Car insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

This covers damage to your Aviator resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, colliding with a tree, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, fire damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2004 Lincoln Aviator.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability

This coverage will cover injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, emergency aid, repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for funeral costs, hospital visits, prosthetic devices and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Saving money makes a lot of cents

More affordable insurance can be bought both online in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and usually these smaller companies only sell through independent agents.

We just showed you many tips how you can save on 2004 Lincoln Aviator insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the biggest savings come from a smaller regional carrier.

People change insurance companies for many reasons like an unsatisfactory settlement offer, policy non-renewal, delays in responding to claim requests and not issuing a premium refund. No matter why you want to switch, switching insurance companies is not as difficult as it may seem.

More tips and info about insurance can be found by following these links: