Save on 2004 Lincoln LS Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Lincoln LS? Are you burned out from not being able to afford to keep your car insured? You are in the same boat as most other vehicle owners. Multiple insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite best price available.

If you have a policy now or are shopping for new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. Finding the best rates is not that difficult. Consumers only need an understanding of the best way to compare company rates online.

Do you qualify for discount car insurance?

Insuring your fleet can be pricey, but there are discounts available that many consumers don’t even know exist. Certain reductions will be credited when you purchase, but a few must be inquired about before you get the savings.

• Low Mileage – Keeping the miles down on your Lincoln could be rewarded with substantially lower rates.
• Anti-lock Brake Discount – Cars that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks for buying your policy over the internet.
• Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on one policy qualifies for this discount.
• Good Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates on LS coverage as compared to drivers with claims.
• Government Employee Discount – Simply working for the federal government may qualify for a discount when you quote auto insurance on LS coverage with certain companies.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it will make them better drivers and lower rates.
• Club Memberships – Having an affiliation with certain professional organizations could qualify you for a break when shopping for car insurance.

It’s important to note that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you could get a free car insurance policy, you’re out of luck.

Some of the larger companies that may offer policyholders most of the discounts above are:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

If you are trying to find the cheapest auto insurance quotes, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in your area. If you would like to choose from a list of car insurance companies with the best car insurance discounts, click here.

What insurance coverages do I need?

When buying adequate coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might point out whether you will benefit from professional help.

• If I drive on a suspended license am I covered?
• Why am I required to buy liability insurance?
• Can I get a multi-policy discount?
• Do all my vehicles need collision coverage?
• What companies insure drivers after a DUI or DWI?
• Should I buy more coverage than the required minimum liability coverage?
• What is the ISO rating for a 2004 Lincoln LS?
• Is extra glass coverage worth it?
• Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Save $480 a year? Really?

Drivers get pounded daily by advertisements for cheaper auto insurance from companies such as Allstate and Progressive. They all tend to make the same promise about saving some big amount after switching your coverage to them.

How does every company have lower policy pricing? You have to listen carefully.

Many companies quote their cheapest rates for the type of customer that will add to their bottom line. For example, a profitable insured might be described as between 30 and 50, has a low-risk occupation, and drives less than 7,500 miles a year. Anybody who fits that profile will get low prices and have a good chance to save if they switch.

Consumers who fall outside these standards will be quoted a more expensive rate which translates to the customer not buying. The trick companies use is to say “people who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can claim big savings. This really illustrates why drivers should compare price quotes frequently. Because you never know with any certainty which company will have the best rates at this point in time.

What car insurance coverages do you need?

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages available from car insurance companies.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hitting a bird, fire damage, hitting a deer and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Lincoln LS.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability

This coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident 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 total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, court costs, structural damage and emergency aid. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, surgery, hospital visits, rehabilitation expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

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

Collision coverage protects against claims such as rolling your car, backing into a parked car, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Keep this in mind

We’ve covered a lot of ways to reduce 2004 Lincoln LS insurance rates online. The key concept to understand is the more price quotes you have, the higher your chance of finding cheaper auto insurance. Consumers may even find the lowest priced car insurance comes from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Progressive or Geico.

When you buy auto insurance online, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, drivers have reduced collision coverage and learned later that it was a big error on their part. Your goal is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

The cheapest 2004 Lincoln LS insurance is available online in addition to many insurance agents, and you need to price shop both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and usually these small insurance companies only sell through independent insurance agencies.

Additional articles

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Your Car has been Stolen: Now What? (Allstate)
• Help Your Teen Be a Better Driver (State Farm)