2012 Lincoln Navigator Insurance Rates – 6 Tips for Cheaper Quotes

Buyers have options when searching for the best price on Lincoln Navigator insurance. They can either waste time driving around to compare prices or leverage the internet to get rate quotes. There are both good and bad ways to buy auto insurance so we’re going to tell you the absolute fastest way to quote coverages for a Lincoln and get the best price possible either online or from local insurance agents.

If you have a current insurance policy or are looking for a new policy, you can use these tips to get lower rates and possibly find even better coverage. This information will help educate you on the best way to quote coverages and some tips to save money. Vehicle owners just need to learn the most efficient way to find the lowest price over the internet.

Lower rates by qualifying for these six discounts

Car insurance is not an enjoyable expense, but you can get discounts to cut the cost considerably. Some trigger automatically when you quote, but some must be requested specifically before being credited.

• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
• Driving Data Discount – People who choose to allow their insurance company to analyze driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.
• Drivers Ed for Students – Have your child participate in a local driver’s education class as it can save substantially.
• First Accident Forgiveness – Not necessarily a discount, but some companies like Geico, State Farm, and Progressive will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.
• Home Ownership Discount – Owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
• Memberships – Joining specific professional or occupational memberships or organizations could qualify you for a break on your policy.

Remember that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck. But any discount should definitely cut your policy cost.

Auto insurance companies that may offer policyholders these money-saving discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

When getting free insurance coverage quotes, it’s a good idea to each insurance company which credits you are entitled to. Some credits may not be offered in your area. If you would like to choose from a list of insurers who offer online car insurance quotes, click here to view.

Car insurance is unique, just like you

When buying coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if you will benefit from professional help.

• Can I drive in Mexico and have coverage?
• Do I need replacement cost coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is business property covered if stolen from my car?
• Should I drop comprehensive coverage on older vehicles?
• Is my babysitter covered when using my vehicle?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Car insurance 101

Having a good grasp of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability

Liability coverage will cover injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things like medical expenses, pain and suffering, medical services and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2012 Lincoln Navigator.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for doctor visits, chiropractic care, hospital visits, surgery and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hitting a deer and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your Navigator resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Smart shoppers get results

People switch companies for many reasons like high prices, delays in paying claims, policy non-renewal or delays in responding to claim requests. Regardless of your reason for switching companies, switching companies is actually quite simple.

When shopping online for auto insurance, you should never buy less coverage just to save a little money. In too many instances, someone dropped liability coverage limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at the best cost but still have enough coverage for asset protection.

We just covered some good ideas how to get a better price on 2012 Lincoln Navigator insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper insurance coverage. Consumers may even find the lowest premium rates are with some of the lesser-known companies.

More articles

• Your Car has been Stolen: Now What? (Allstate)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Teen Driving Statistics (Geico)
• Property Damage Coverage (Liberty Mutual)