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: Nov 26, 2017

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Searching for lower car insurance rates for your Lincoln Aviator? Are you kicking yourself for buying an expensive car insurance policy? Trust us when we tell you you’re not the only one.

Due to the increasing number of insurance providers from which to choose, it’s difficult to choose the most cost effective car insurance company.

Consumers should take time to do rate comparisons before your next renewal because prices fluctuate regularly. Even if you got the lowest rate on Aviator coverage two years ago a different company probably has better premium rates today. Forget all the misinformation about car insurance because you’re about to find out the things you must know in order to find the best coverage while lowering your premiums.

Finding the best rates is not that difficult. In a nutshell, every vehicle owner who shops for insurance coverage will most likely be able to save money. But vehicle owners can benefit by having an understanding of the way insurance companies sell insurance online and take advantage of how the system works.

Get lower rates with these five auto insurance discounts

Companies do not advertise the entire discount list very well, so the following is a list of some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance coverage online.

  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings as much as 30%.
  • Employee of Federal Government – Active or former government employment may reduce rates when you quote insurance coverage on Aviator coverage but check with your company.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if offered at their school.
  • Good Grades Discount – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and will save you 10% or more.

It’s important to understand that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Even though it appears all the discounts add up to a free policy, nobody gets a free ride.

To choose insurance companies that provide some of the discounts listed above, click here.

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

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Compare quotes for car insurance

When shopping for car insurance there are multiple ways of comparing rates from many available car insurance companies in your state. The simplest method to compare rates consists of obtaining rate quotes online. This is very easy and can be done by using one of the methods below.

  1. Experts agree that the best way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do separate quote forms for each company you want a rate for. In just a few minutes this one form gets prices estimates from many national carriers.
  2. Another way to shop for car insurance online is spending the time to visit each individual company website and complete a new quote form. For example, we’ll assume you want to compare Farmers, GEICO and Travelers. To get each rate you have to navigate to each company’s site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  3. The hardest method to get price estimates is to spend time driving to all the different insurance agencies. The ability to quote online makes this process obsolete unless you have a need for the trained guidance that only a licensed agent can provide. However, consumers can comparison shop your insurance online but purchase the actual policy in an agency.

The approach you take is up to you, just be sure you’re using exactly the same information with each company. If each company quotes different values for each quote you can’t possibly truly determine the lowest rate. Having just a slight variation in coverages may result in a large different in cost. And when comparing car insurance rates, know that comparing a wide range of rates helps improve the odds of finding more affordable insurance.

Car insurance can get complicated

When it comes to buying adequate coverage for your vehicles, there is no cookie cutter policy. Every situation is different so this has to be addressed. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • Do I have coverage when making deliveries for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need rental car coverage?
  • Is my nanny covered when driving my vehicle?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills such as X-ray expenses, EMT expenses, surgery and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from getting keyed, hail damage, hitting a deer and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability

This provides protection from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like funeral expenses, structural damage and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Lincoln Aviator.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

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

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In conclusion

In this article, we covered a lot of information how to lower your 2005 Lincoln Aviator insurance car insurance rates. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheap insurance coverage. Consumers may even find the biggest savings come from a small local company. Smaller companies may only write in your state and offer lower premium rates than their larger competitors like Progressive and GEICO.

More affordable auto insurance can be sourced both online and also from your neighborhood agents, so get free insurance coverage quotes from both of them to have the best selection. There are still a few companies who do not offer online rate quotes and most of the time these smaller providers only sell through local independent agents.

Helpful information