Lower Your 2007 Lincoln Navigator Insurance Rates

Want the cheapest car insurance rates for your Lincoln Navigator? Have you had enough of scraping nickels together to buy car insurance? Your situation is no different than many other consumers. Companies like State Farm, Geico and Farmers Insurance constantly bombard you with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It is always a good idea to get comparison quotes as often as possible because prices are rarely the same from one policy term to another. Just because you found the best deal on Navigator coverage a year ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to learn how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Don’t overlook these auto insurance discounts

Not too many consumers would say auto insurance is affordable, but there could be significant discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of purchase, but some may not be applied and must be asked about prior to receiving the credit.

  • Discounts for New Vehicles – Insuring a new car can be considerably cheaper since newer vehicles have better safety ratings.
  • Defensive Driver Discounts – Completing a course that instructs on driving safety could save 5% or more if your company offers it.
  • Bundle and Save – If you combine your auto and homeowners policies with one insurance company you may save at least 10% off all policies.
  • Professional Organizations – Participating in a qualifying organization could earn you a nice discount on your next renewal.
  • Discount for Swiching Early – A few insurance companies offer discounts for signing up prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
  • Paper-free Discount – Many auto insurance companies provide a small discount for completing your application digitally online.

As a sidenote, most credits do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Despite the fact that it seems like you could get a free auto insurance policy, nobody gets a free ride.

If you would like to view insurers that have a full spectrum of discounts, click this link.

Reduce insurance rates with these tips

Lots of factors are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving history, but other criteria are less apparent like where you live or your financial responsibility.It’s important that you understand some of the factors that help calculate your policy premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that will entitle you to cheaper rates.

The factors shown below are some of the most common factors utilized by car insurance companies to help set premiums.

  • Alarm systems save money – Selecting a car model with a theft deterrent system can save you a little every year. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop vehicle theft.
  • Prices increase with policy add-ons – There are many extra bells and whistles that can add up when buying car insurance. Things like roadside assistance, better glass coverage, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Your address can push rates up or down – Living in small towns and rural areas can be a good thing if you are looking for the lowest rates. Drivers who live in large cities have more auto accidents and higher rates of accident claims. Lower population means reduced accidents and a lower car theft rate.
  • Why do you need liability coverage? – Liability coverage is the protection when you are responsible for physical damage or personal injury to other. Liability insurance provides legal defense coverage to defend your case. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Insurance premiums and driver gender – Statistics have proven females are less aggressive when driving. It does not mean men are worse drivers. Males and females are in at-fault accidents at a similar rate, but men get into accidents with more damage. Not only that, but men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 have the highest risk to insure so it costs more to insure them.

When to get professional advice

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • How much liability coverage do I need in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will filing a claim cost me more?
  • Do I need PIP coverage since I have good health insurance?
  • How do I buy GAP insurance?
  • Do I need roadside assistance coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads that promise big savings from companies such as Allstate, Geico and Progressive. They all advertise the message that drivers can save some big amount if you switch your policy.

It sounds good, but how can they all offer you a better deal? It’s all in the words they use.

All the different companies have a certain “appetite” for the type of driver that will be a good risk. One example of a desirable insured may need to be between the ages of 40 and 55, has no driving citations, and drives less than 5,000 miles a year. Anybody that fits those parameters receive the lowest rate quotes and will also save if they switch.

Consumers who don’t meet those standards will be quoted more expensive rates which usually ends up with the prospect going elsewhere. If you listen closely, the ads state “customers who switch” not “everyone that quotes” save money. That is how companies can make the claims of big savings. This really drives home the point why it is so important to get as many free insurance quotes as possible. Because you cannot predict which auto insurance company will have the lowest rate quotes.

Parts of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages available from auto insurance companies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, hospital visits, rehabilitation expenses and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, damage from a tornado or hurricane, vandalism and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This coverage pays for damage to your Navigator from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance – Liability coverage will cover damages or injuries you inflict on other people or property. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects, medical services and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Lincoln Navigator.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Keep this in mind

Some companies do not offer the ability to get quotes online and most of the time these small insurance companies only sell coverage through local independent agencies. Budget-friendly auto insurance can be purchased from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

We covered a lot of information how to save on 2007 Lincoln Navigator insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the best premium rates are with a small mutual company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

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