2015 Lincoln Navigator Car Insurance Quotes – 10 Ideas for Cheapest Rates

Shoppers have lots of choices when shopping for the best price on Lincoln Navigator insurance. They can either waste time driving around to compare prices or save time using the internet to find the lowest rates. There are both good and bad ways to compare insurance coverage rates and we’ll show you the absolute fastest way to compare rates for your Lincoln and locate the best price possible either online or from local insurance agents.

It’s a good idea to get comparison quotes as often as possible because insurance coverage rates are usually higher with each renewal. Despite the fact that you may have had the best premium rates on Navigator insurance at your last renewal there may be better deals available now. Block out anything you think you know about insurance coverage because we’re going to show you how to quote online to find lower rates on insurance coverage.

If you have insurance now or need a new policy, you can use this information to find better prices and still get good coverage. This article will help you learn how car insurance quotes work and some tips to save money. Consumers just need to know how to get comparison quotes on the web.

Don’t miss these ten discounts

Some insurers don’t always advertise the entire discount list very clearly, so the list below contains some of the best known as well as some of the hidden insurance savings.

• Switch and Save Discount – Some larger companies provide a discount for switching to them prior to your current policy expiration. The savings is around 10%.
• Discount for Low Mileage – Keeping the miles down on your Lincoln can earn slightly better prices than normal.
• Online Discount – Many insurance companies provide a small discount for buying your policy over the internet.
• Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
• Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
• Multiple Cars – Buying coverage for more than one vehicle with one company can get a discount on all vehicles.
• Student in College – Older children who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it will make them better drivers and lower rates.
• Accident Waiver – Not necessarily a discount, but some insurance companies may permit one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.

Remember that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride. But all discounts will lower the amount you have to pay.

Popular insurance companies and their possible discounts are included below.

• Geico offers premium reductions for good student, air bags, multi-vehicle, daytime running lights, multi-policy, emergency military deployment, and five-year accident-free.
• MetLife offers discounts for claim-free, defensive driver, accident-free, good driver, multi-policy, good student
• Progressive may offer discounts for online signing, multi-policy, continuous coverage, good student, and homeowner.
• Travelers has discounts for student away at school, save driver, hybrid/electric vehicle, multi-policy, home ownership, driver training, and new car.
• SAFECO offers discounts including homeowner, teen safe driver, safe driver, anti-lock brakes, and accident prevention training.
• AAA policyholders can earn discounts including good driver, pay-in-full, AAA membership discount, good student, multi-car, anti-theft, and education and occupation.

Check with every insurance company which discounts can lower your rates. A few discounts might not be offered on policies in your state.

Special considerations

When choosing adequate coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether or not you might need professional guidance.

• Why am I required to get a high-risk car insurance policy?
• Do I have coverage when pulling a U-Haul trailer?
• Does my policy cover me when driving someone else’s vehicle?
• How can I force my company to pay a claim?
• When can my company non-renew my policy?
• Is my Lincoln Navigator covered if I use it for business?
• Does insurance cover damages from a DUI accident?
• Does having multiple vehicles earn me a discount?
• Should I have combined single limit or split liability limits?
• Am I covered if I wreck a rental car?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

This coverage will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, bail bonds, medical expenses, legal defense fees and pain and suffering. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for surgery, hospital visits, rehabilitation expenses and X-ray expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Lincoln Navigator.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision insurance

Collision coverage will pay to fix damage to your Navigator from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Stretch your dollar

People change insurance companies for any number of reasons including poor customer service, an unsatisfactory settlement offer, denial of a claim or even policy cancellation. No matter why you want to switch, switching car insurance companies is actually quite simple.

When getting car insurance quotes online, do not buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

Cheaper car insurance is attainable on the web in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. There are still a few companies who do not provide the ability to get quotes online and many times these regional insurance providers prefer to sell through local independent agencies.

To read more, take a look at these articles:

• Anti-Lock Brake FAQ (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Collision Coverage (Liberty Mutual)
• Eight Auto Insurance Myths (Insurance Information Insitute)