How Much Does 1998 Lincoln Navigator Car Insurance Cost?

Trying to find better insurance coverage rates for your Lincoln Navigator? Getting budget insurance coverage on the web may at first seem to be impossible for people that are relatively new to online price comparisons. With literally dozens of companies competing online, how can people even start to compare the different rates to find the cheapest available price?

Lower-cost insurance quotes with discounts

Auto insurance companies don’t necessarily list the entire discount list in an easy-to-find place, so the list below contains some of the best known and the harder-to-find ways to save on insurance.

  • Waiver for an Accident – but companies like Liberty Mutual, Allstate and State Farm may permit one accident without raising rates if you are claim-free prior to the accident.
  • Policy Bundle Discount – When you combine your home and auto insurance with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • ABS Brakes – Cars that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on your next insurance statement.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Navigator coverage.
  • Discount for Swiching Early – A few insurance companies allow discounts for buying a new policy prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.
  • Theft Deterent – Cars and trucks with anti-theft systems are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
  • Distant Student Discount – Older children who live away from home at college and do not have a car may qualify for this discount.
  • Save with a New Car – Insuring a vehicle that is new can get you a discount due to better safety requirements for new vehicles.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates you could get a free insurance policy, companies don’t profit that way.

Companies that may offer most of the discounts above possibly include:

If you need the cheapest car insurance quotes, ask all the companies which credits you are entitled to. Some discounts may not be available in your state. To locate insurance companies that offer discounts, click here.

Affordable insurance

Comparing insurance rates can be a daunting task if you don’t understand the most efficient way to do it. You can waste hours discussing policy coverages with local insurance agents in your area, or you could use online quoting to maximize your effort.

All the larger companies participate in a marketplace where insurance shoppers send in one quote, and every company can give them a price. This eliminates the need for quote forms for every insurance company. To find out what other companies charge click here to start a free quote.

The only drawback to using this type of form is you can’t choose the providers you want pricing from. So if you prefer to pick from a list of companies to compare rates, we have a page of insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just make absolute certain that you use the same information for each quote you get. If you are comparing different coverage information then you won’t be able to get a fair rate comparison. Quoting even small variations in limits may result in large price differences. And when comparing insurance rates, know that comparing more rates from different companies helps increase your odds of locating the best rates.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can help discover whether you would benefit from an agent’s advice.

  • Am I covered if my car is in a flood?
  • Is my teen driver covered when they drive my company car?
  • When would I need additional glass coverage?
  • How much liability insurance is required?
  • Is motorclub coverage worth it?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I benefit by insuring my home with the same company?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 1998 Lincoln Navigator.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

Collision coverage covers damage to your Navigator caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, colliding with a tree, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for pain medications, rehabilitation expenses, ambulance fees and dental work. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, damage from getting keyed, falling objects and theft. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance will cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

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 policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, structural damage, repair costs for stationary objects, court costs and emergency aid. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Smart consumers save more

As you shop your coverage around, do not reduce needed coverages to save money. There are many occasions where drivers have reduced physical damage coverage only to discover later that the savings was not a smart move. Your goal is to get the best coverage possible at the best price, but don’t skip important coverages to save money.

Drivers who switch companies do it for many reasons like an unsatisfactory settlement offer, extreme rates for teen drivers, not issuing a premium refund or lack of trust in their agent. It doesn’t matter what your reason, finding a great new company is less work than it seems.

The cheapest 1998 Lincoln Navigator insurance is possible from both online companies and from local agencies, and you need to comparison shop both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and usually these regional insurance providers prefer to sell through local independent agents.

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