2001 Lincoln Navigator Insurance Rates – 9 Savings Tips

If shopping for insurance coverage quotes online is new to you, chances are good that you are bewildered thanks to the vast number of local and online companies offering insurance.

If you currently have a car insurance policy, you should be able to save some money using these tips. Shopping for the cheapest protection is quite easy. But drivers do need to know the way insurance companies market insurance on the web because it can help you find the best coverage.

The best way to compare car insurance company rates takes advantage of the fact all the major auto insurance companies have advanced systems to provide you with free rate quotes. The one thing you need to do is give the companies some data like your occupation, whether the vehicles are used for commuting, if a SR-22 is required, and the type of vehicles you drive. That rating information gets sent immediately to multiple companies and you should receive rate quotes quickly.

Auto insurance companies offer money-saving discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specially asked for prior to getting the savings. If you don’t get every credit available, you are throwing money away.

• Save with a New Car – Buying insurance on a new vehicle can get you a discount because newer models are generally safer.
• Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
• Paperwork-free – Many larger companies give back up to $50 for buying your policy over the internet.
• Passive Restraints – Factory air bags or motorized seat belts can receive discounts up to 30%.
• Discounts for Federal Employees – Employees or retirees of the government could cut as much as 10% off for Navigator insurance with select insurance companies.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.
• No Claims – Drivers who don’t have accidents can save substantially in comparison with insureds who have frequent claims or accidents.
• Multiple Vehicles – Buying a policy with multiple vehicles on a single policy qualifies for this discount.
• Safe Drivers – Drivers without accidents may save up to 50% more for Navigator insurance than drivers with accidents.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, it doesn’t quite work that way.

A few popular companies and some of the discounts are detailed below.

• Progressive offers premium reductions for good student, online signing, multi-policy, homeowner, online quote discount, and multi-vehicle.
• Farmers Insurance may offer discounts for switch companies, bundle discounts, early shopping, alternative fuel, electronic funds transfer, and pay in full.
• Farm Bureau has discounts for safe driver, multi-policy, 55 and retired, driver training, youthful driver, multi-vehicle, and renewal discount.
• State Farm may include discounts for accident-free, driver’s education, anti-theft, good driver, and safe vehicle.
• Geico has savings for seat belt use, air bags, multi-policy, military active duty, emergency military deployment, and anti-lock brakes.
• SAFECO discounts include anti-theft, teen safe driver, homeowner, safe driver, accident prevention training, multi-car, and anti-lock brakes.
• Liberty Mutual may have discounts that include safety features, multi-car, hybrid vehicle, exclusive group savings, and new graduate.

If you want low cost insurance coverage quotes, ask every insurance company what discounts are available to you. Some of the discounts discussed earlier might not be offered in every state. If you would like to see a list of insurance companies that provide some of the discounts listed above, click this link.

Do I just need basic coverages?

When it comes to choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

These are some specific questions could help you determine whether your personal situation could use an agent’s help.

• Are my friends covered when driving my 2001 Lincoln Navigator?
• Do I need to file an SR-22 for a DUI in my state?
• How high should my uninsured/underinsured coverage be in my state?
• Can I still get insurance after a DUI?
• Do I benefit by insuring my home with the same company?
• Am I covered when driving someone else’s vehicle?
• Can I get a multi-policy discount?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

Parts of your car insurance policy

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision protection

Collision insurance covers damage to your Navigator from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, a tree branch falling on your vehicle and fire damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for ambulance fees, surgery, rehabilitation expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims such as attorney fees, funeral expenses, repair costs for stationary objects, legal defense fees and structural damage. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Uninsured and underinsured coverage

This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Lincoln Navigator.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.