1998 Lincoln Navigator Insurance Rates – 9 Tips for Cheaper Quotes

Scraping up a payment for overpriced Lincoln Navigator insurance can draw down your family’s budget and possibly require postponing other expenditures.

Big-name insurance companies like Allstate and Progressive increase brand awareness with catchy ads and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

How to get low cost insurance coverage

When shopping for insurance coverage there are multiple ways to compare prices from local insurance coverage companies. One of the best ways to lower the rate you pay for 1998 Lincoln Navigator insurance is to jump online and get quotes. This can be accomplished in several different ways.

1. The best way to find low rates is an all-inclusive rate comparison click to view form in new window. This style of form eliminates the need for boring form submissions for each company. Completing one form gets coverage cost estimates direct from many companies.
2. A less efficient way to find more affordable insurance is to manually visit the website of each company and repeat the quote process again and again. For example, we’ll assume you want rates from Allstate, Geico and Progressive. To find out each rate you need to go to each individual site to enter your coverage information, which can take a lot of time.

   For a list of companies in your area, click here.

3. The hardest method to shop rates is driving to insurance agencies in your area. Comparing rate quotes online makes this unnecessary unless you have a complicated situation and need the advice and guidance that you can only get from talking to an agent. You can, however, price shop your coverage online but have your policy serviced through an agent.

Whichever method you choose, make darn sure you compare the same coverage limits and deductibles on every price quote you get. If you use differing limits it’s not possible to determine the lowest rate for your Lincoln Navigator. Slightly different insurance coverages could mean much higher rates. And when comparing insurance coverage rates, know that getting more free quotes gives you a better chance of getting more affordable rates. Some insurance companies are not set up to provide online price quotes, so you should also compare rates on coverage from those companies, too.

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Don’t overlook these nine car insurance discounts

Companies that sell car insurance don’t list every possible discount very clearly, so the list below contains both well-publicized as well as some of the hidden credits available to you.

• Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course if offered at their school.
• Anti-lock Brakes – Vehicles with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
• Save over 55 – Drivers that qualify as senior citizens may be able to get better car insurance rates for Navigator coverage.
• Federal Employees – Federal government employees can earn a discount up to 10% for Navigator coverage with some car insurance companies.
• Service Members Pay Less – Being deployed in the military could mean lower rates.
• Discounts for New Vehicles – Buying insurance on a new vehicle can save you some money since new vehicles are generally safer.
• Discount for Life Insurance – Larger car insurance companies have a break if you buy a life policy as well.
• Bundle and Save – If you can bundle your home and auto insurance with one insurance company you will save at least 10% off all policies.
• Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save 5% or more.

As is typical with insurance, most credits do not apply the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, you aren’t that lucky. But any discount will reduce the premium cost.

A few companies that may offer quotes with most of the discounts above may include but are not limited to:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

If you need lower rates, check with each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier might not be available to policyholders in your state.

When to get professional advice

When choosing the best insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that For example, these questions may help you determine whether or not you would benefit from professional advice.

• Will I be non-renewed for getting a DUI or other conviction?
• Does insurance cover damages from a DUI accident?
• What is no-fault insurance?
• Do I need PIP (personal injury protection) coverage in my state?
• Does insurance cover tools stolen from my truck?
• I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Big names are not always cheapest

Allstate, Geico and Progressive regularly use television and radio advertisements. All the ads try to convey promises about how much you will save if you get a free insurance quote and switch your policy. How do they all make the same claim? You have to listen carefully.

Many companies look for specific characteristics for the type of driver that is profitable for them. One example of a desirable risk might be between the ages of 30 and 50, has no prior claims, and the vehicle is rated for pleasure use. A customer getting a price quote who fits those characteristics receive the lowest rate quotes and as a result will probably cut their rates if they switch.

Consumers who don’t qualify for the ideal profile will be charged a higher premium which results in business not being written. If you pay attention, the ads say “customers that switch” not “everyone that quotes” can save as much as they claim. That’s the way insurance companies can make those statements. Because each company has a different risk profile, you absolutely need to compare as many free insurance quotes as you can. It’s just not possible to know which company will provide the lowest prices.

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Coverage specifics

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Collision coverage

Collision coverage covers damage to your Navigator caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses like ambulance fees, dental work, EMT expenses, X-ray expenses and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Lincoln Navigator.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

Liability coverage can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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

Liability coverage protects against claims such as legal defense fees, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Take this to the bank

A few companies do not offer online quoting and many times these small, regional companies sell through local independent agents. The cheapest 1998 Lincoln Navigator insurance is possible both online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis.

We just covered a lot of information how to reduce 1998 Lincoln Navigator insurance auto insurance rates online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding inexpensive insurance. You may even discover the best price on car insurance is with a small local company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Progressive or Geico.

More resources

• Understanding your Policy (NAIC.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)

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