Save on 2016 Lincoln Navigator Insurance Rates

Looking for cheaper car insurance rates for your Lincoln Navigator? I really doubt anyone enjoys paying for car insurance, especially knowing it costs too dang much.

Lots of insurers contend for your insurance dollar, so it’s not easy to compare every provider to get the lowest rate

Cheapest insurance coverage quotes

There are a variety of methods to compare insurance coverage prices and some are less time-consuming than others. You can waste a lot of time talking about coverages with insurance companies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

All the larger companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and every company returns a rated price. This prevents consumers from doing quote forms for each company you want a rate for.

To find out what other companies charge click here (opens in new window).

The only drawback to comparing rates this way is that consumers can’t choose the providers to get quotes from. So if you prefer to pick individual companies to receive pricing from, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use the same deductibles and coverage limits for every quote you compare. If you enter different deductibles you will not be able to make a fair rate comparison. Even a minor difference in coverages may result in large price differences. And when quoting insurance coverage, remember that comparing a large number of companies provides better odds of finding the best offered rates.

Tailor your auto insurance coverage to you

When buying coverage, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help you determine whether or not you could use an agent’s help.

  • Will my insurance pay for OEM parts?
  • Do I need higher collision deductibles?
  • Is my camper covered by my car insurance policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I have coverage if my license is suspended?
  • Is a blown tire covered by insurance?
  • Are my friends covered when driving my 2016 Lincoln Navigator?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverages 101

Learning about specific coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average auto insurance policy.

Coverage for liability

This can cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like bail bonds, repair costs for stationary objects, medical expenses, attorney fees and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Lincoln Navigator.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for dental work, ambulance fees, funeral costs, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays for damage to your Navigator resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, hitting a mailbox, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.