2009 Lincoln Navigator L Insurance Rates

Want the cheapest car insurance rates for your Lincoln Navigator L? Tired of being strong-armed to buy car insurance? You have the same problem as many other consumers. Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate possible.

It’s smart to compare rates every six months because insurance rates tend to go up over time. Even if you think you had the best rate for Navigator L coverage last year you will most likely find a better price today. Forget anything you know (or think you know) about car insurance because you’re about to learn the right way to remove unneeded coverages and save money.

If you have insurance now or need new coverage, you can follow these tips to find better prices and possibly find even better coverage. Buying car insurance is not rocket science. Vehicle owners only need to know the best way to compare rates online.

How much is car insurance?

Getting low cost 2009 Lincoln Navigator L car insurance pricing is not rocket science. Just spend a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished in several different ways.

1. Without a doubt, the easiest way to get quotes would be an industry-wide quote request form click to view form in new window. This quick form eliminates the need for separate quotes for every prospective company. A single form gets insurance cost estimates direct from many companies.
2. A less efficient way to compare rate quotes consists of going to the website for each individual company to complete their respective quote request forms. For instance, let’s say you want comparison quotes from State Farm, Progressive and Geico. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

Whichever method you choose, ensure you’re using apples-to-apples quote information for each price quote. If you compare different coverage information you can’t possibly decipher which rate is best.

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Buyer beware of auto insurance advertising tricks

Drivers can’t ignore all the ads that claim the cheapest rates by State Farm and Allstate. All the ads seem to make the promise about saving some big amount if you just switch your coverage to them.

But how can every company sell you cheaper insurance coverage? It’s all in the words they use.

Most companies give the cheapest rates for the right customer that will most likely be profitable. One example of a profitable risk profile might be over the age of 40, has a clean driving record, and drives newer vehicles. Someone that meets those criteria will probably get the lowest prices and therefore will save some money.

People who do not match these criteria must pay higher prices which usually ends up with business going elsewhere. The trick is to say “people that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can make the claims of big savings. Because of the profiling, it’s extremely important to get auto insurance quotes as often as possible. Because you never know which insurance companies will provide you with the cheapest car insurance rates.

Learn how to lower your insurance premiums

Many factors are part of the equation when premium rates are determined. Some factors are common sense like a motor vehicle report, but other factors are more transparent such as whether you are married or how safe your car is.

• Cars with good safety ratings cost less to insure – Safe vehicles tend to have lower insurance rates. Vehicles built for safety result in less severe injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates.
• The higher your credit rating the lower your costs – Having a bad credit history is a big factor in determining premium rates. Insureds that have excellent credit scores tend to file fewer claims as compared to drivers with lower ratings. If your credit is lower than you’d like, you could save money insuring your 2009 Lincoln Navigator L if you clean up your credit.
• Pay less if you’re married – Having a wife or husband helps lower the price compared to being single. Marriage may mean you are less irresponsible and insurance companies like that being married results in fewer claims.
• Vehicle theft costs us all – Buying a car that has an advanced theft prevention system can save you some money. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.

Cheaper car insurance quotes with discounts

Companies don’t always publicize every available discount in a way that’s easy to find, so the following list contains some of the best known and also the lesser-known discounts that may be available.

• Multi-car Discount – Having several vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
• Good Driver Discount – Insureds who avoid accidents may receive a discount up to 45% for Navigator L coverage than drivers with accidents.
• Senior Citizen Discount – Older drivers may be able to get better car insurance rates for Navigator L coverage.
• Discounts for Government Workers – Active or retired federal employment may qualify for a discount when you quote auto insurance for Navigator L coverage with select insurance companies.
• Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies will let one accident slide without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
• No Claim Discounts – Claim-free drivers pay much less as compared to drivers with a long claim history.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, you’re out of luck.

Insurance companies who might offer most of the discounts above include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

Before purchasing a policy, check with each company or agent what discounts are available to you. A few discounts may not apply in your state.

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Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help you determine if you would benefit from an agent’s advice.

• If I drive on a suspended license am I covered?
• Does my policy cover me when driving someone else’s vehicle?
• Is my nanny covered when driving my vehicle?
• When would I need rental car insurance?
• Are my friends covered when driving my 2009 Lincoln Navigator L?
• What if I owe more than I can insure my car for?
• I have good health insurance, so how much medical payments coverage do I need?
• Are my friends covered when driving my car?
• When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Auto liability – Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as funeral expenses, repair costs for stationary objects, bail bonds and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – This pays for damage to your Navigator L resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, hail damage, vandalism and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses for things like hospital visits, funeral costs, doctor visits, ambulance fees and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

More quotes. Lower rates.

We’ve covered many ideas to compare 2009 Lincoln Navigator L insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest auto insurance. You may be surprised to find that the most savings is with a small local company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Discount 2009 Lincoln Navigator L insurance is attainable both online as well as from insurance agents, and you need to price shop both to get a complete price analysis. A few companies may not provide internet price quotes and usually these small insurance companies prefer to sell through independent agents.

Additional detailed information can be read at these sites:

• Auto Insurance Learning Center (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Liability Insurance Coverage (Nationwide)

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