Compare 2001 Lincoln Navigator Insurance Cost

Want the cheapest car insurance rates for your Lincoln Navigator? Trying to find low cost Driverscar insurance can be challenging for drivers who are beginners to online price comparisons. With such a large number of companies in the marketplace, it can easily become a real difficult job to compare prices.

It’s important to take a look at other company’s rates as often as possible because insurance rates fluctuate regularly. If you had the best deal for Navigator coverage on your last policy you can probably find a better price now. There are lots of tips to save on car insurance on the internet, but I’m going to show you some good information on how to slash your car insurance rates.

Discounts for affordable car insurance rates

Companies offering auto insurance don’t always publicize the complete list of policy discounts very well, so we took the time to find some of the more common and the more hidden ways to save on car insurance.

• Telematics Discount – Policyholders that allow driving data submission to analyze when and where they use their vehicle by using a telematics device in their vehicle such as State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
• Good Grades Discount – A discount for being a good student may save you up to 25%. You can use this discount normally until age 25.
• Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Navigator coverage than drivers with accidents.
• Safety Course Discount – Participating in a class that teaches driver safety techniques can save you 5% or more and easily recoup the cost of the course.
• Use Seat Belts – Forcing all vehicle occupants to buckle up before driving can save up to 15% off the medical payments premium.
• Club Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for car insurance.
• Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes are much safer to drive so companies give up to a 10% discount.
• Bundle and Save – If you combine your home and auto policies with one company you could get a discount of at least 10% off all policies.
• Low Mileage Discounts – Maintaining low annual mileage could qualify for lower premium rates on the low mileage vehicles.
• Waiver for an Accident – Not really a discount, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage as long as you don’t have any claims before the accident.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.

A list of companies and some of the discounts can be read below.

• Progressive has discounts for good student, online quote discount, multi-vehicle, online signing, homeowner, multi-policy, and continuous coverage.
• SAFECO may offer discounts for safe driver, accident prevention training, homeowner, teen safe driver, and multi-car.
• American Family offers discounts including early bird, multi-vehicle, bundled insurance, accident-free, air bags, and good driver.
• MetLife policyholders can earn discounts including good driver, defensive driver, good student, accident-free, claim-free, multi-policy
• Geico discounts include multi-policy, driver training, five-year accident-free, military active duty, and daytime running lights.
• The Hartford offers premium reductions for anti-theft, air bag, defensive driver, vehicle fuel type, bundle, and good student.

When getting a coverage quote, ask each company which credits you are entitled to. A few discounts may not apply in every state. To locate insurers that offer the discounts shown above, click this link.

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Insurance cost influencing factors

Multiple criteria are part of the calculation when quoting car insurance. Some of the criteria are obvious such as your driving record, although some other factors are more transparent like your vehicle usage or how safe your car is.

The following are a few of the “ingredients” that factor into premiums.

• Policy add-ons may not be needed – There are quite a few add-on coverages that can add up on your insurance policy. Insurance for roadside assistance, towing, and extra life insurance coverage may be costing you every month. These may sound like a good investment when talking to your agent, but your needs may have changed so remove them from your policy.
• Prevent theft and reduce rates – Owning a car with a theft deterrent system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft and help bring rates down.
• Rural vs Urban Areas – Residing in small towns and rural areas is a good thing when it comes to insurance. People in densly populated areas regularly have congested traffic and longer commutes to work. Less people means less chance of accidents in addition to lower liability claims
• Insurance premiums and driver gender – Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Both sexes have at-fault accidents at about the same rate, but guys tend to have more serious accidents. Not only that, but men also receive more costly citations like reckless driving and DUI. Young men ages 16 to 20 are the most expensive to insure and thus pay the highest rates.
• Claim-free discounts can add up – Car insurance companies give cheaper rates to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
• Getting married brings a discount – Being married helps lower the price on your insurance bill. Having a spouse demonstrates that you tend to be less irresponsible it has been statistically shown that married drivers tend to have fewer serious accidents.
• Choose high safety ratings and save – Safe vehicles tend to have better insurance rates. The safest vehicles reduce occupant injuries and better occupant protection means less claims paid and cheaper rates on your policy. If your Lincoln earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
• Adjust comp and collision deductibles and save – Insurance for physical damage, aka comp and collision, is used to repair damage to your vehicle. Some examples of claims that would be covered are colliding with a building, collision with an animal, and windstorm damage. The deductibles tell how much you are required to pay before your insurance pays a claim. The larger the amount you have to pay, the lower your rates will be for Navigator coverage.

You may need specialized auto insurance coverage

When it comes to choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

• Do I need an umbrella policy?
• What is roadside assistance coverage?
• What are the financial responsibility laws in my state?
• Does my insurance cover a custom paint job?
• How high should my uninsured/underinsured coverage be in my state?
• Does my policy cover my teen driver if they drive my company car?
• How do I insure my teen driver?
• Are my friends covered when driving my car?
• Am I covered when pulling a rental trailer?
• Can I rent a car in Mexico?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

Don’t believe everything you hear

Companies like Allstate, Geico and Progressive regularly use television and radio advertisements. They all seem to make the same claim that you’ll save big if you get a free insurance coverage quote and switch your policy. That’s great but how can every company say the same thing? It’s all in the wording.

Many companies have specific guidelines for a prospective insured that will add to their bottom line. For example, a profitable customer might be between 30 and 50, has a clear driving record, and drives less than 5,000 miles a year. Any driver who fits that profile will most likely get cheap prices and as a result will probably save when switching.

Insureds who are not a match for these standards will be charged higher premiums with the end result being the customer buying from someone else. The ad wording is “customers who switch” but not “everyone who gets a quote” will save that much if they switch. That is how companies can make the claims of big savings. Each company has different criteria, so you absolutely need to compare price quotes frequently. It’s just too difficult to predict the company that will give you the biggest savings.

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Auto insurance coverage options for a 2001 Lincoln Navigator

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, a broken windshield and hitting a deer. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for hospital visits, funeral costs, prosthetic devices and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as attorney fees, pain and suffering, structural damage, funeral expenses and medical services. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2001 Lincoln Navigator.

Due to the fact that 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.

Be a Smart Shopper

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

Insureds change insurance companies for a number of reasons such as high rates after DUI convictions, policy non-renewal, not issuing a premium refund or poor customer service. Whatever your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

Affordable 2001 Lincoln Navigator insurance can be purchased on the web as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and most of the time these regional insurance providers work with independent agencies.

Even more information is located in these articles:

• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Understanding Limits and Deductibles (Allstate)
• Rollover Crash FAQ (iihs.org)
• Property Damage Coverage (Liberty Mutual)

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