1999 Lincoln Navigator Insurance Cost – 10 Ways to Save

Trying to find cheaper insurance coverage rates for your Lincoln Navigator? I can’t think of anyone who is fond of buying insurance coverage, especially when the cost is too high. There is such a variety of insurance companies to buy insurance from, and even though it’s nice to have a selection, so many choices can make it hard to compare company pricing.

Consumers should take time to do rate comparisons at least once a year since insurance prices are usually higher with each renewal. Just because you had the lowest rate for Navigator coverage six months ago you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to find out the only way to buy cheaper insurance coverage.

Pricing the best coverage is quite easy. If you are insured now or need a new policy, you can use this information to cut your premiums and possibly find even better coverage. Drivers just need to know the tricks to compare company rates on the web.

Compare free insurance price quotes

Effectively comparing insurance prices can be exhausting if you aren’t aware of the easiest way. You can spend your afternoon talking to insurance agencies in your area, or you can utilize online quoting to quickly compare rates.

Most car insurance companies belong to an insurance system where prospective buyers submit one quote, and every company then returns a price quote based on that information. This saves time by eliminating form submissions to each company.

To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to comparing rates this way is that you can’t choose the providers you want to price. So if you want to select specific providers to compare rates, we have assembled a list of low cost insurance companies in your area. Click here to view list.

Whichever method you choose, make sure you compare the same coverage information for each price quote. If each company quotes different deductibles it will be impossible to make a fair rate comparison.

Do drivers who switch really save $403 a year?

Drivers can’t escape the ads for the lowest price auto insurance by Geico, State Farm and Progressive. They all seem to advertise claims about saving some big amount if you just switch your policy.

How does each company say the same thing? It’s all in how they say it.

All the different companies quote their best rates for the right customer that earns them a profit. For example, a profitable customer may be between 30 and 50, owns a home, and drives a safe vehicle. Any driver that matches those criteria receive the lowest rate quotes as well as save a lot if they switch.

Potential insureds who are not a match for this stringent profile will have to pay a higher rate with the end result being the customer buying from someone else. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” can save as much as they claim. That’s why companies can make the claims of big savings.

Because each company has a different risk profile, you absolutely need to quote coverage with many companies. Because you cannot predict with any certainty which company will provide the lowest prices.

Double check you’re getting with these ten discounts

Insurance is not inexpensive, but there may be some discounts that can help lower your rates. Certain reductions will be credited at the time of quoting, but a few must be asked about before you will receive the discount.

  • Discount for Life Insurance – Companies who offer life insurance give lower premium rates if you buy some life insurance too.
  • Multi-car Discount – Purchasing coverage when you have several vehicles on a single policy qualifies for this discount.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower prices.
  • Home Ownership Discount – Owning a house can save a few bucks because maintaining a house is proof of financial responsibility.
  • Discount for Good Grades – A discount for being a good student may save as much as 25% on a car insurance quote. The discount lasts until age 25.
  • Club Memberships – Having an affiliation with a qualifying organization can get you a small discount when shopping for insurance.
  • New Car Discount – Buying insurance coverage on a new vehicle may earn a small discount since new model year vehicles are generally safer.
  • Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you could save 5% or more.
  • Paper-free Discount – A few larger online companies may give you up to $50 just for signing your application digitally online.
  • Student in College – Youth drivers who are enrolled in higher education away from home and don’t have a car may be able to be covered for less.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any amount of discount will help lower your policy premium.

To view insurance companies that have a full spectrum of discounts, click this link.

Your situation helps dictate your coverage

When choosing proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For example, these questions might help in determining if your situation may require specific advice.

  • Does my 1999 Lincoln Navigator need full coverage?
  • How do I insure my teen driver?
  • Does my insurance cover a custom paint job?
  • I have health insurance so do I need medical payments coverage?
  • Will my rates increase for filing one claim?
  • Is other people’s property covered if stolen from my vehicle?
  • What is the ISO rating for a 1999 Lincoln Navigator?
  • What is PIP insurance?
  • Should I buy additional glass protection?
  • Do I need rental car coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance policy specifics

Understanding the coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, hail damage, damage from getting keyed, damage from flooding and theft. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like hospital visits, prosthetic devices, doctor visits, dental work and nursing services. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage covers damage to your Navigator resulting 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 insurance covers claims like colliding with another moving vehicle, colliding with a tree, hitting a parking meter, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln Navigator.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Liability insurance – This can cover injuries or damage you cause to other people or property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, emergency aid, bail bonds and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Better coverage you can count on

As you prepare to switch companies, do not buy poor coverage just to save money. In many cases, someone sacrificed physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

We just covered many tips how you can lower your 1999 Lincoln Navigator insurance premium rates. The key thing to remember is the more providers you compare, the higher your chance of finding the cheapest car insurance. Drivers may discover the best premium rates are with a lesser-known regional company. Regional companies may have significantly lower prices on certain market segments than their larger competitors like Geico and State Farm.

Additional information