2015 Lincoln Navigator Insurance Quotes

Trying to find lower car insurance rates for your Lincoln Navigator? Searching for low-cost insurance for a new or used Lincoln Navigator can normally be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to buy car insurance so we’re going to tell you the proper way to compare rates for your Lincoln and locate the lowest price from both online companies and local agents.

It’s a good habit to get comparison quotes before your next renewal because insurance prices are constantly changing. Just because you had the best deal for Navigator insurance last year you can probably find a better rate quote now. Ignore everything you know about car insurance because you’re about to learn the tricks you need to know to reduce your cost while improving coverage.

Cheap auto insurance rate quotes online

Finding low cost auto insurance rates is actually easier than you may think. The only requirement is to take a couple of minutes to compare free insurance quotes to find out which insurance company has inexpensive insurance quotes. Insurance prices can be quoted using a couple different methods.

  1. The most efficient way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do a different quote for each price estimate. One form gets coverage cost estimates from many national carriers. This is perfect if you don’t have a lot of time.
  2. A harder way to analyze rates consists of visiting the website for each individual company and go through the quote process again. For sake of this example, we’ll pretend you want rates from USAA, Farmers and Travelers. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Which method you use is up to you, but do your best to use apples-to-apples quote information on every quote. If each company quotes differing limits it’s impossible to decipher which rate is best.

Informed decisions result in lower insurance prices

Many factors are part of the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but others are not as apparent like your vehicle usage and annual miles driven.It’s important that you understand the factors that come into play when calculating your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that will entitle you to lower premium levels.

  • High comp and collision deductibles save money – The deductibles you choose define the amount you are willing to pay in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some coverage claims could be rearending another vehicle, damage caused by hail, and having a roll-over accident. The more of the claim you choose to pay out-of-pocket, the lower your rates will be for Navigator insurance.
  • Remove unneeded add-on coverages – Insurance companies have many extra bells and whistles that may not really be needed on your Navigator policy. Coverages for personal injury protection, death and dismemberment, and additional equipment coverage are some examples. They may sound like good ideas at first, but your needs may have changed so eliminate them to save money.
  • Prices also based on gender – Statistics have proven that women are safer drivers than men. It does not mean men are WORSE drivers than women. Both sexes tend to get into at-fault accidents in similar numbers, but men have accidents that have higher claims. Men also statistically receive more costly citations like driving under the influence (DUI). Male drivers age 16 to 19 generally have the highest accident percentage and therefore have the most expensive car insurance rates.
  • Deter theft and save – Choosing to buy a car with an alarm system can save you a little every year. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.
  • Single drivers take more risk – Being married actually saves money when buying car insurance. Having a spouse may mean you are more mature and responsible and statistics prove married drivers get in fewer accidents.

Save money with discounts

Some companies don’t always publicize all disounts in a way that’s easy to find, so the following list contains both the well known as well as some of the hidden credits that you can use to lower your rates.

  • Passive Restraints – Cars that have air bags or motorized seat belts may get savings as much as 30%.
  • Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Senior Citizens – Older drivers can possibly qualify for a small decrease in premiums for Navigator insurance.
  • Safety Course Discount – Participating in a safe driver course could possibly earn you a 5% discount depending on where you live.
  • Waiver for an Accident – Not a discount per se, but some insurance companies permit an accident before your rates go up if you have no claims for a particular time prior to the accident.
  • Multi-Vehicle Discounts – Insuring primary and secondary vehicles on one policy may reduce the rate for each vehicle.
  • Discounts for Good Drivers – Insureds without accidents can pay as much as 50% less for Navigator insurance than less cautious drivers.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive so companies give up to a 10% discount.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. So even though you would think you can get free auto insurance, company stockholders wouldn’t be very happy.

To see insurance companies that offer multiple discounts, follow this link.

What is the best car insurance coverage?

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if you could use an agent’s help.

  • Is my camper covered by my car insurance policy?
  • What is the rate difference between pleasure use and commuting?
  • Are my tools covered if they get stolen from my vehicle?
  • Is a fancy paint job covered?
  • How much liability insurance is required?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy coverages for a Lincoln Navigator

Learning about specific coverages of insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments – Med pay and PIP coverage reimburse you for immediate expenses for things like doctor visits, nursing services and chiropractic care. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability auto insurance – This coverage can cover damage that occurs to people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like loss of income, legal defense fees, bail bonds and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, rock chips in glass, damage from getting keyed and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage 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. For this reason, having high UM/UIM coverages is very important.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, crashing into a ditch, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

You can do this!

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut full coverage only to regret that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

People leave their current company for any number of reasons including high prices, lack of trust in their agent, extreme rates for teen drivers and even policy non-renewal. Whatever your reason, switching companies is easier than you think.

In this article, we presented a lot of tips how to lower your 2015 Lincoln Navigator insurance car insurance rates. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from an unexpected company.

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