2004 Lincoln LS Car Insurance Quotes – 10 Tips for Cheapest Rates

Finding low cost prices for auto insurance could be hard for drivers new to online insurance quotes. Because there are so many companies competing online, it can easily become a difficult mission to find the perfect company for you.

Affordable car insurance quotes with discounts

Car insurance is not inexpensive, but there may be some discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be asked for before they will apply.

  • Drivers Education – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Payment Method – If paying your policy premium upfront rather than paying in monthly installments you can avoid the installment charge.
  • No Accidents – Drivers who don’t have accidents pay less in comparison to accident-prone drivers.
  • E-sign – Some insurance companies give back up to $50 for buying your policy on the internet.
  • Mature Driver Discount – Drivers that qualify as senior citizens can get lower premium rates for LS coverage.
  • Multi-line Discount – Larger insurance companies have lower premium rates if you buy a life policy as well.
  • Professional Organizations – Belonging to a qualifying organization can get you a small discount on your policy.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks because maintaining a house is proof that your finances are in order.
  • Resident Student – Kids living away from home attending college without a vehicle on campus could qualify for this discount.
  • Discounts for Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off the medical payments premium.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

Auto insurance companies who may offer most of these discounts are:

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts you qualify for. Savings may not apply to policies in every state. If you would like to view companies that offer multiple discounts, click here.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your situation could use an agent’s help.

  • Does coverage extend to a rental car in a foreign country?
  • Are rental cars covered under my policy?
  • When do I need to add a new car to my policy?
  • Do I need added coverage for expensive stereo equipment?
  • When should I buy a commercial auto policy?
  • Do I need more liability coverage?
  • Exactly who is provided coverage by my policy?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage breakdown

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Lincoln LS.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a deer, hail damage, fire damage, damage from a tornado or hurricane and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This covers damage to your LS resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, hospital visits, dental work, nursing services and surgery. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like structural damage, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as large an amount as possible.

A little work can save a LOT of money

Lower-priced insurance coverage can be purchased both online in addition to many insurance agents, so you need to shop auto insurance with both to have the best selection. Some insurance companies may not offer online quoting and usually these smaller providers sell through independent agencies.

Insureds change insurance companies for a variety of reasons including an unsatisfactory settlement offer, poor customer service, lack of trust in their agent or denial of a claim. Whatever your reason, finding a new company can be easy and end up saving you some money.

When getting auto insurance quotes online, do not buy poor coverage just to save money. There are too many instances where drivers have reduced liability coverage limits and found out when filing a claim that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price, not the least amount of coverage.

More resources