2008 Lincoln Navigator L Insurance Rates – 9 Ideas for Best Quotes

Finding cheap Driverscar insurance may be challenging for drivers who have little experience buying insurance online. When there are so many companies in the marketplace, it can easily become a difficult mission to lower your rates.

How much is auto insurance?

When shopping for auto insurance there are multiple ways of comparing rates from all the different companies. The best way to find competitive 2008 Lincoln Navigator L insurance rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  • If you’re in a hurry, the quickest way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do multiple quote forms for every company. In just a few minutes this one form gets you price quotes from multiple companies. It’s the fastest way to compare.
  • A harder way to shop for auto insurance online is spending the time to visit each company’s website and fill out a new quote form. For instance, we’ll assume you want to compare rates from Geico, Safeco and Liberty Mutual. In order to compare rates, you need to spend time going to each site individually and repeatedly type in your coverage information, and that explains why we recommend the first method.

    For a handy list of car insurance company links in your area, click here.

Whichever way you use, make sure you are using exactly the same quote information on every quote. If you compare differing limits it will be nearly impossible to make an equal comparison. Even a minor difference in coverage limits may cause a big price difference. It’s important to know that getting more free quotes gives you a better chance of getting lower pricing.

Do you qualify for discount insurance?

Companies that sell car insurance do not list all their discounts very clearly, so we break down a few of the more common and also the lesser-known credits that may apply to you.

  • Membership in Organizations – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next renewal.
  • Multi-car Discount – Purchasing coverage when you have more than one vehicle on a single policy can reduce rates for all insured vehicles.
  • Good Driver Discount – Drivers who don’t get into accidents could pay up to 40% less on Navigator L insurance compared to rates paid by drivers with frequent claims.
  • Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
  • Distant Student Discount – Children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could qualify for this discount.
  • Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may get savings up to 30%.
  • Telematics Discount – Drivers that enable data collection to look at where and when they drive through the use of a telematics system such as State Farm’s In-Drive might see lower rates if they have good driving habits.
  • Auto/Life Discount – Select companies reward you with better rates if you take out life insurance.
  • Military Deployment Discount – Being deployed in the military can result in better prices.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

A partial list of companies that have many of the previously listed discounts include:

Before you buy a policy, ask all companies you are considering the best way to save money. Some discounts may not be available in your area. To choose providers with the best insurance discounts, follow this link.

What insurance coverages do I need?

When it comes to buying the best insurance coverage coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • Why do I need rental car insurance?
  • Which companies will insure high-risk drivers?
  • Is business equipment covered while in my vehicle?
  • What can I do if my company denied a claim?
  • What is no-fault insurance?
  • When should I drop full coverage on my 2008 Lincoln Navigator L?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when delivering products for my home-based business?
  • Is motorclub coverage worth it?
  • How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverages for a Lincoln Navigator L

Having a good grasp of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability insurance

Liability insurance protects you from damage that occurs to other people or property. 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 values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as medical expenses, loss of income, structural damage and bail bonds. How much coverage you buy is your choice, but you should buy as much as you can afford.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Lincoln Navigator L.

Since many 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.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for chiropractic care, EMT expenses, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays for damage to your Navigator L resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, crashing into a ditch, backing into a parked car, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.