How Much Does 2006 Lincoln Navigator Insurance Cost?

Trying to find cheaper auto insurance rates? Buyers have a choice when searching for low-cost Lincoln Navigator insurance. You can either waste hours struggling with agents trying to get quotes or use the internet to make rate comparisons.

There are more efficient ways to compare auto insurance rates so we’re going to tell you the best way to quote coverages for a new or used Lincoln and find the cheapest rates from both online companies and local agents.

It is always a good idea to compare rates as often as possible since insurance prices are variable and change quite frequently. Just because you had the best deal on Navigator insurance a couple years back other companies may now be cheaper. There is lot of inaccurate information about auto insurance online but in a few minutes you can learn some proven techniques to lower your auto insurance premiums.

This article will teach you how to effectively get price quotes and some tricks to saving. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Drivers just need to understand the most efficient way to compare prices online.

How to get free insurance coverage quotes online

Most major insurance companies like State Farm and Allstate allow you to get price estimates direct online. This process is pretty painless as you simply type in the coverages you want as requested by the quote form. After the form is submitted, the company’s rating system will order your driving record and credit report and gives you a price quote based on many factors.

Quoting online helps simplify price comparisons, but the process of having to visit many different websites and type in your information is repetitive and time-consuming. But it’s very important to perform this step if you want to find the lowest insurance coverage rates.

The preferred way to locate the lowest prices uses just one form to return rates from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online quotes much easier to do. As soon as the form is sent, it is quoted and you can choose your choice of the quotes returned.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process just takes a couple of minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here and begin entering your coverage information. If you currently have coverage, we recommend you replicate the limits and deductibles as shown on your current policy. This guarantees you will have a fair comparison based on identical coverages.

Verify you’re receiving every discount

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that many consumers don’t even know exist. Some discounts apply automatically when you get a quote, but a few must be specially asked for prior to getting the savings.

  • Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Active Service Discounts – Being on active deployment in the military could qualify you for better rates.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up before driving could cut 10% or more off the medical payments premium.
  • Defensive Driver Discount – Completing a class that teaches defensive driving techniques is a good idea and can lower rates and easily pay for the cost of the class.
  • Online Discount – A handful of insurance companies will give a small break simply for signing on the internet.
  • Accident Forgiveness Coverage – Not a discount per se, but some companies like State Farm and Geico permit an accident without raising rates with the catch being you have to be claim-free prior to the accident.
  • Passenger Safety Discount – Cars that have air bags or motorized seat belts can receive discounts as much as 30%.
  • Student Discounts – This discount may save you up to 25%. Most companies allow this discount until age 25.
  • Senior Citizen Discount – Drivers over the age of 55 may be able to get reduced rates on Navigator insurance.

Discounts save money, but please remember that most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

A list of companies and a partial list of their discounts are detailed below.

  • Geico includes discounts for military active duty, air bags, membership and employees, seat belt use, and anti-lock brakes.
  • MetLife may have discounts that include good driver, defensive driver, multi-policy, claim-free, accident-free, good student
  • State Farm offers discounts for passive restraint, multiple autos, multiple policy, Steer Clear safe driver discount, and accident-free.
  • Progressive discounts include multi-policy, online quote discount, continuous coverage, multi-vehicle, homeowner, online signing, and good student.
  • Mercury Insurance may include discounts for annual mileage, location of vehicle, type of vehicle, good student, and ease of repair.
  • 21st Century offers discounts including air bags, teen driver, good student, homeowners, defensive driver, automatic seat belts, and student driver.
  • Allstate policyholders can earn discounts including 55 and retired, eSmart discount, defensive driver, farm vehicle, and safe driver.

Before buying, ask each insurance company how you can save money. Discounts may not apply to policies in your area. If you would like to view insurance coverage companies with discount rates, click here to view.

When should I discuss my situation with an agent?

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

  • How much liability insurance is required?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How do I file an SR-22 for a DUI in my state?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my babysitter covered when using my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I buy full coverage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Smart consumers save money

Lots of things are taken into consideration when quoting car insurance. Most are fairly basic such as your driving record, but others are not as apparent such as your marital status or your financial responsibility.An important part of buying insurance is that you know some of the things that are used to determine your auto insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower premium levels.

The list below includes a partial list of the pieces auto insurance companies consider when setting your rates.

  • Too many claims drive up premiums – Car insurance companies provide discounts to insureds who are claim-free. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Your credit rating is important – A driver’s credit score can be a huge factor in determining what you pay for auto insurance. Insureds with excellent credit scores tend to be more responsible and file fewer claims than drivers who have lower ratings. If your credit score leaves room for improvement, you could pay less to insure your 2006 Lincoln Navigator by repairing your credit.
  • Where you call home factors in – Choosing to live in a rural area can save you money if you are looking for the lowest rates. Lower population means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas have more auto accidents and longer commutes to work. Spending more time driving can result in more accidents.
  • How many coverages with the same company – Most major insurance companies give lower prices to customers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it’s always a smart idea to compare other insurance prices to ensure the best deal.
  • Being married reduces risk – Having a wife or husband actually saves money on your auto insurance bill. Having a spouse is viewed as being more stable financially and it’s statistically proven that married drivers tend to have fewer serious accidents.

Specific coverages for a 2006 Lincoln Navigator

Knowing the specifics of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, damage from a tornado or hurricane and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Navigator.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

This coverage will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, court costs and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses like chiropractic care, rehabilitation expenses, nursing services, hospital visits and ambulance fees. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Save your cold hard cash

A few companies may not provide rates over the internet regional carriers prefer to sell through independent agents. Cheaper insurance coverage can be bought on the web in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis.

Consumers leave their current company for many reasons like lack of trust in their agent, unfair underwriting practices, high rates after DUI convictions or even not issuing a premium refund. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.

We just covered a lot of ways to compare 2006 Lincoln Navigator insurance prices online. The key thing to remember is the more you quote car insurance, the higher the chance of saving money. Drivers may discover the lowest priced insurance coverage comes from some of the smallest insurance companies.

Additional insurance coverage information is available at the links below