View 2017 Lincoln Navigator Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Lincoln Navigator? Are you sick and tired of sacrificing other expenses to pay car insurance each month? You are in the same boat as many other drivers.

Big-name insurance companies like Progressive, Geico and Farmers Insurance all claim big savings with advertising and it is difficult to separate fact from fiction and find the best price available.

It’s a good idea to do rate comparisons before your policy renews because rates fluctuate regularly. Even if you think you had the lowest rate on Navigator coverage two years ago a different company probably has better prices today. You can find a lot of information about car insurance on the internet, but in a few minutes you can learn some good information on how to quit paying high car insurance rates.

Affordable insurance rate quotes

When comparison shopping, there are several ways to compare rate quotes from different insurance companies. One of the best ways to compare 2017 Lincoln Navigator insurance prices is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

• Without a doubt, the easiest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This style of form eliminates the need for multiple quote forms to each individual insurance company. Completing one form gets you coverage quotes direct from many companies.
• A harder way to analyze rates requires a trip to the website of each company to request a price quote. For sake of this example, let’s assume you want to compare prices for State Farm, Safeco and Progressive. You would be required to navigate to each company’s site to input your insurance information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.
• Even if you have time, the least recommended method of comparing rate quotes is driving around to different agent offices. The ability to buy insurance online has made agencies unnecessary unless you’re the type of person who wants the guidance that only a licensed agent can provide. Although, it is possible get the lowest quotes online but buy the policy through an agent.

You can use whichever method you prefer to find lower rates, just be sure you’re using exactly the same quote data on every quote. If you have different values for each quote then you won’t be able to find the best deal for your Lincoln Navigator. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Keep in mind that comparing all the rates in your area will enable you to find the best offered rates. Not every company provides price estimates online, so it’s important to compare price quotes from those companies as well.

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Drivers can save with these premium-slashing discounts

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Some of these disounts will be visible when you complete an application, but a few must be manually applied before you get the savings.

• Sign Online – Some of the larger companies will provide an incentive get insurance coverage on the web.
• Senior Citizen Rates – Mature drivers can possibly qualify for a discount up to 10% on Navigator coverage.
• Drive Safe and Save – Drivers without accidents can save up to 40% or more on their insurance coverage quote on Navigator coverage than their less cautious counterparts.
• Bundled Policy Discount – If you combine your home and auto policies and insure them with the same company you may earn at least 10 to 15 percent or more.
• Homeowners Savings – Being a homeowner can save you money because it is proof that your finances are in order.
• New Vehicle Savings – Buying insurance coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
• Early Payment Discounts – By paying your entire bill at once as opposed to paying monthly you could save 5% or more.
• One Accident Forgiven – Not necessarily a discount, but some insurance companies will turn a blind eye to one accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount should definitely cut your policy premium.

A few of the larger companies and their possible discounts can be read below.

• State Farm includes discounts for accident-free, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, passive restraint, and multiple autos.
• American Family offers premium reductions for early bird, good student, air bags, TimeAway discount, good driver, multi-vehicle, and Steer into Savings.
• Geico offers discounts for good student, five-year accident-free, driver training, defensive driver, daytime running lights, military active duty, and anti-lock brakes.
• 21st Century discounts include 55 and older, good student, driver training, early bird, theft prevention, and anti-lock brakes.
• Progressive has savings for multi-vehicle, online signing, continuous coverage, homeowner, and online quote discount.

If you are trying to find low cost insurance coverage quotes, ask every insurance company which discounts you may be entitled to. All car insurance discounts may not apply to policyholders in your area.

Do I need special coverages?

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For example, these questions can help discover whether your personal situation may require specific advice.

• Do I need PIP coverage since I have good health insurance?
• Should I rate my 2017 Lincoln Navigator as pleasure use or commute?
• I don’t drive much so do I pay less?
• Why am I required to buy high-risk coverage?
• Is my trailer covered?
• What is the minimum liability in my state?
• I have health insurance so do I need medical payments coverage?
• Will I lose any money if I cancel my policy before it expires?
• Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Get cheap insurance prices by understanding these factors

Lots of factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, although others are not as apparent like your vehicle usage or how safe your car is.A large part of saving on auto insurance is knowing a few of the rating criteria that help determine auto insurance rates. If you know what determines premiums, this enables informed choices that can earn you cheaper rates.

• Your spouse saves you money – Being married can get you a discount when buying auto insurance. Having a spouse generally demonstrates drivers are more mature than a single person and statistics prove being married results in fewer claims.
• See if your company offers a multi-policy discount – Most larger auto insurance companies will award lower prices to buyers that have more than one policy such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even though this discount sounds good, it’s in your best interest to get quotes from other companies to confirm you are receiving the best rates possible. You may still be able to find better rates by buying from different companies
• Tickets cost more than a fine – Whether or not you get tickets has a huge affect on how much you pay. Even one chargable violation can bump up the cost by as much as twenty percent. Drivers with clean records pay lower auto insurance prices compared to bad drivers. People who have multiple citations such as DUI or reckless driving might be required by their state to submit a SR-22 form with their state’s department of motor vehicles in order to drive a vehicle legally.
• Too many policy claims drive up prices – If you file claims often, you shouldn’t be surprised to get much higher rates or policy non-renewal. Auto insurance companies award the best rates to people who only file infrequent claims. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
• Your age impacts your prices – Young drivers are statistically proven to be inattentive and easily distracted when driving and because of this, their auto insurance rates are much higher. Having to add a inexperienced driver to your auto insurance policy can really hurt. Mature drivers are shown to be more cautious, cause fewer claims and accidents , and usually have better credit.

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Insurance coverage basics

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for bills for EMT expenses, ambulance fees, funeral costs and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, a broken windshield, a tree branch falling on your vehicle and hitting a deer. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – Collision insurance covers damage to your Navigator resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a ditch, hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverage – Liability coverage will cover damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

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 policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like medical expenses, repair bills for other people’s vehicles, pain and suffering, funeral expenses and loss of income. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Lincoln Navigator.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Final considerations

Some insurance providers don’t offer rate quotes online and these smaller providers prefer to sell through local independent agents. Cheaper 2017 Lincoln Navigator insurance can be found on the web as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Additional information can be found at the links below

• Understanding your Policy (NAIC.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Distracted Driving Extends Beyond Texting (State Farm)
• Side Impact Crash Tests (iihs.org)

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