2018 Lincoln Navigator Insurance Quotes – 9 Tips for Best Rates

Want cheaper insurance rates for your Lincoln Navigator? Trying to find cheaper insurance for a Lincoln Navigator can be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to shop for insurance and you need to know the proper way to quote coverages for a new or used Lincoln and get the cheapest rates.

It’s important to do price comparisons yearly because prices go up and down regularly. Despite the fact that you may have had the lowest rates on Navigator coverage last year you may be paying too much now. There are a lot of ways to save on insurance out there, but in just a couple of minutes you can learn some tested techniques to buy insurance cheaper.

The quickest method to compare rate quotes is to know the trick auto insurance companies participate in a system to give rate comparisons. The only thing you need to do is take a few minutes to give details such as driver details, if you have an active license, your general credit rating, and level of coverage desired. That rating data is instantly submitted to multiple insurance providers and they return cost estimate instantly.

Auto insurance companies offer money-saving discounts

Some insurance providers do not advertise every available discount very clearly, so the list below details some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.

• Distant Student Discount – Kids who are attending college without a vehicle on campus can receive lower rates.
• Memberships – Participating in certain professional organizations is a simple method to lower premiums when getting a auto insurance quote.
• Onboard Data Collection – Policyholders that allow their company to study driving patterns through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as the data is positive.
• Buy New and Save – Buying insurance on a new vehicle can save you some money because new model year vehicles have to meet stringent safety requirements.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
• Driver Training Discounts – Passing a course in defensive driver could cut 5% off your bill and also improve your driving technique.
• Active Military Service – Being deployed in the military may qualify for rate reductions.
• Low Miles Discount – Driving less can qualify you for slightly better prices than normal.
• Paperless Signup – Some larger companies will discount your bill up to fifty bucks just for signing your application on the internet.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

A partial list of companies that have some of the above discounts include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

If you need affordable auto insurance quotes, ask all companies you are considering which credits you are entitled to. Savings may not apply to policyholders in your state.

Do I just need basic coverages?

When choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether you would benefit from an agent’s advice.

• Does my policy cover my teen driver if they drive my company car?
• What is an SR-22 filing?
• Why am I required to buy liability insurance?
• Am I covered when pulling a rental trailer?
• Is my dog or cat covered if injured in an accident?
• Can I still get insurance after a DUI?
• I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance 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 coverage options for a Lincoln Navigator

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like rehabilitation expenses, EMT expenses, doctor visits and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays for damage to your Navigator resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, backing into a parked car, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from getting keyed, hail damage and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Lincoln Navigator.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability insurance

This coverage will cover damage or injury you incur to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as medical expenses, emergency aid, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.