Are you kicking yourself for buying overpriced auto insurance? Trust us, there are many people just like you. Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with ad campaigns and it is difficult to ignore the propoganda and do the work needed to find the best deal.
If you are insured now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Drivers only need to know the most efficient way to buy auto insurance on the web.
The Lincoln Aviator Insurance Price Equation
Part of the auto insurance buying process is learning some of the things that help calculate your premiums. If you understand what controls the rates you pay, this enables informed choices that will entitle you to much lower annual insurance costs.
The following are most of the major factors used by your company to calculate your prices.
- Consolidate policies and save – Lots of insurers allow lower prices to policyholders who consolidate policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to compare rates to ensure the best deal.
- Do you have enough liability coverage? – Liability coverage is the protection if you are found liable for damages from an accident. Liability provides you with a defense in court starting from day one. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
- Bad credit hurts insurance rates – An insured’s credit history can be a huge factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower ratings. Therefore, if your credit rating is not that good, you could save money insuring your Lincoln Aviator by improving your credit score.
- Gender and auto insurance costs – Statistics show females are less aggressive when driving. It does not mean males are worse at driving than females. Both genders have accidents at a similar rate, but the men cause more damage. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Young males have the highest risk to insure and therefore have the most expensive auto insurance rates.
- Get a ticket, pay higher costs – Just one ticket may increase your cost twenty percent or more. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Drivers with careless violations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state in order to drive a vehicle legally.
- Better rates on vehicles with better crash test results – Safer cars are cheaper to insure. Safer cars help reduce the chance of injuries in an accident and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Lincoln Aviator scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
- Does your job raise your auto insurance rates? – Careers like judges, executives and accountants usually pay higher average rates attributed to high stress levels and lengthy work days. On the flip side, jobs such as farmers, engineers and retirees pay the least on Aviator insurance.
- Infrequent drivers can save – The higher the mileage driven each year the more you’ll pay to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that have low annual miles can get a lower rate compared to those used for work or business. Double check that your auto insurance coverage is showing the correct usage. Improper usage on your Aviator is just wasting money.
The best way to compare insurance rates from multiple companies is to know the trick all the major auto insurance companies participate in online systems to compare their rates. The one thing you need to do is provide the companies a bit of rating information such as whether your vehicle is owned or leased, your credit rating estimate, how you use your vehicles, and how much school you completed. The rating information gets sent immediately to many different companies and they return cost estimates instantly to find the best rate.
To start a rate quote now, click here and complete the quick form.
Verify you’re earning every discount
Companies don’t always advertise every policy discount very well, so the list below gives a summary of both the well known and the harder-to-find ways to save on auto insurance.
- Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course in school.
- Discounts for Safe Drivers – Drivers who avoid accidents can save up to 40% or more on their on Aviator insurance than their less cautious counterparts.
- Low Mileage Discounts – Maintaining low annual mileage can qualify you for lower rates due to less chance of an accident.
- Air Bags and Passive Restraints – Factory air bags or motorized seat belts can get savings of 25 to 30%.
- Discounts for Federal Employees – Federal government employees can earn a discount up to 10% on Aviator insurance with a few auto insurance companies.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, you’re out of luck. Any qualifying discounts will lower the cost of coverage.
A few of the larger companies and some of their more popular discounts are shown below.
- GEICO has discounts for multi-policy, military active duty, emergency military deployment, anti-lock brakes, defensive driver, driver training, and five-year accident-free.
- Travelers may offer discounts for student away at school, home ownership, payment discounts, hybrid/electric vehicle, early quote, multi-policy, and save driver.
- Farm Bureau offers premium reductions for renewal discount, driver training, good student, multi-vehicle, youthful driver, 55 and retired, and safe driver.
- Liberty Mutual has savings for multi-policy, good student, new move discount, hybrid vehicle, multi-car, new vehicle discount, and preferred payment discount.
- American Family discounts include air bags, defensive driver, early bird, accident-free, mySafetyValet, and Steer into Savings.
- Progressive offers discounts including continuous coverage, good student, online quote discount, multi-vehicle, multi-policy, homeowner, and online signing.
Before purchasing a policy, check with each company to give you their best rates. Some discounts may not apply to policies in your area. If you would like to see a list of providers with the best auto insurance discounts, follow this link.
Buying from insurance agents
Some people would rather talk to a local agent and that is recommended in a lot of cases Agents can answer important questions and help in the event of a claim. A good thing about comparing rates online is that drivers can save money and get lower car insurance rates and still have a local agent.
To help locate an agent, after submitting this quick form, the quote information is transmitted to local insurance agents that give free quotes for your coverage. It’s much easier because you don’t need to contact an agency as quotes are delivered straight to your inbox. If you want to quote rates for a specific company, you can always jump over to their website and fill out their quote form.
Picking the best insurer needs to be determined by more than just the quoted price. The answers to these questions are important, too.
- Are they full-time agents?
- Are there any discounts that you might be missing?
- Which insurance companies are they affiliated with?
- Is the agency covered by Errors and Omissions coverage?
- Are they paid to recommend certain coverages?
- Which members of your family are coverage by the policy?
- Are they properly licensed to sell insurance in your state?
- Do they specialize in personal lines auto insurance?
If you prefer to get a list of insurance professionals near you, find an auto insurance agent.
Your auto insurance coverage should be tailored to you
When it comes to choosing the best auto insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your situation could use an agent’s help.
- Do I pay less if my vehicle is kept in my garage?
- Can I still get insurance after a DUI?
- Should I drop comprehensive coverage on older vehicles?
- When do I need to add a new car to my policy?
- Are there companies who specialize in insuring high-risk drivers?
- What can I do if my company denied a claim?
- Should I buy only the required minimum liability coverage?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Affordable auto insurance is out there
While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced physical damage coverage only to regret that the small savings ended up costing them much more. Your goal is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.
Affordable Lincoln Aviator insurance is attainable both online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide online quoting and most of the time these small, regional companies sell through independent agencies.
