2004 Lincoln Navigator Insurance Rates – 6 Tips for Best Quotes

If price shopping insurance coverage quotes online is new to you, by this point your are probably bewildered thanks to the huge assortment of companies offering insurance.

It’s a good idea to get comparison quotes once or twice a year because insurance prices are constantly changing. Even if you got the best deal on Navigator insurance a couple years back you may be paying too much now. Ignore everything you know about insurance because you’re about to learn the fastest and easiest way to buy cheaper insurance.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Shopping for the lowest cost coverage is not that difficult. But consumers must learn how big insurance companies determine prices.

Lower rates by qualifying for these six discounts

Insuring your fleet can be pricey, but you may find discounts to help bring down the price. Most are applied at the time you complete a quote, but lesser-known reductions have to be asked about before they will apply.

• Active Service Discounts – Having a family member in the military may qualify for rate reductions.
• Seat Belt Discounts – Requiring all passengers to use a seat belt can save a little off PIP or medical payments premium.
• Discounts for Federal Employees – Federal government employees may reduce rates when you quote insurance coverage on Navigator insurance with certain companies.
• Paperless Signup – Many car insurance companies will give a small break simply for signing on your computer.
• Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save up to 20% and get you low cost insurance coverage.
• Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less on Navigator insurance compared to accident prone drivers.

One last thing about discounts, some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Some companies that may offer policyholders most of these discounts possibly include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

Double check with each company how many discounts you can get. A few discounts might not be offered in your state. To locate insurance companies who offer discounts, click here to view.

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Insurance coverage is unique, just like you

When choosing the right insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if your situation may require specific advice.

• How much liability coverage do I need in my state?
• Do I benefit by insuring my home with the same company?
• Should I drop comprehensive coverage on older vehicles?
• Is there coverage for injuries to my pets?
• Do I need to file an SR-22 for a DUI in my state?
• Should I buy full coverage?
• Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Insurance coverage in the media

Companies like Geico, State Farm and Progressive regularly use ads in print and on television. They all seem to tend to make the same promise about savings if you just switch to them. That’s great but how can every company cost less than your current company? Here is how they do it.

Insurance providers give the best rates for the type of driver that is profitable for them. A good example of a desirable insured could possibly be a married male, has a clean driving record, and drives a lower-performance vehicle. Any person who meets those qualifications will get low premium rates and as a result will probably cut their rates substantially.

Consumers who don’t qualify for the requirements may be required to pay higher prices and ends up with business going elsewhere. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can truthfully make those statements. This illustrates why drivers should compare quotes as often as possible. It is just not possible to predict the company that will provide the lowest prices.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Lincoln Navigator.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, damage from flooding, rock chips in glass and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, colliding with another moving vehicle, crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Auto liability

This protects you from damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims such as bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like hospital visits, prosthetic devices and pain medications. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

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One last thing

More affordable insurance coverage is possible from both online companies and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and many times these small insurance companies sell through independent agents.

Insureds change insurance companies for a number of reasons such as not issuing a premium refund, being labeled a high risk driver, poor customer service and even denial of a claim. It doesn’t matter what your reason, switching insurance coverage companies can be pretty painless.

We covered many ideas to reduce 2004 Lincoln Navigator insurance prices online. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost insurance coverage. You may even discover the lowest prices are with some of the lesser-known companies.

Additional resources

• Vehicle Size and Weight FAQ (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)

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