Compare 2001 Lincoln Navigator Insurance Rates

Searching for lower insurance rates? Consumers have lots of choices when looking for the best price on Lincoln Navigator insurance. You can either spend your time calling around to compare prices or save time using the internet to get rate quotes. There is a better way to find insurance online so you’re going to learn the proper way to compare rates for a Lincoln and locate the lowest possible price from local insurance agents and online providers.

Free Auto Insurance Quotes

Finding cheaper 2001 Lincoln Navigator auto insurance prices is not a difficult process. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished using a couple different methods.

The fastest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method saves time by eliminating a different quote for every auto insurance company. Filling out one form gets you price quotes from all major companies. It’s the fastest way to compare.

A less efficient way to get comparison quotes consists of going to the website of each company and request a quote. For instance, we’ll pretend you want rates from Nationwide, Progressive and GMAC. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverage information on every quote. If each company quotes mixed coverages then you won’t be able to make an equal comparison.

Do you really save 40% when you switch?

Consumers can’t get away from ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. All the ads make the same claim about savings if you move to them.

How can each company make almost identical claims?

All companies can use profiling for the type of driver that earns them a profit. For example, a desirable insured might be profiled as between the ages of 40 and 55, has no tickets, and has a short commute. A customer who matches those parameters receives the best rates and as a result will probably save when they switch companies.

Drivers who do not match the requirements must pay higher prices and this can result in business not being written. The ads say “customers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully make those claims. This illustrates why it is so important to get quotes from several different companies. It is impossible to predict the company that will have the lowest Lincoln Navigator insurance rates.

Lincoln Navigator rates are complex

Smart consumers have a good feel for the factors that go into determining insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in better insurance rates.

Listed below are a partial list of the pieces that factor into premiums.

  • Males pay more for insurance – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Both sexes cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Where you live – Living in a rural area can save you money when it comes to insurance. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Urban drivers have to deal with traffic congestion and a longer drive to work. More time on the road can result in more accidents.
  • Higher deductibles cost less – The deductibles define the amount you are willing to pay in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered could be running into the backend of another car, collision with an animal, and burglary. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Navigator insurance.
  • More than one policy can earn a discount – Some insurers give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to make sure you are getting the best deal. Drivers may still find a better deal by buying insurance from more than one company.
  • Careful drivers pay lower rates – Whether or not you get tickets has a big impact on rates. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Just one citation can bump up the cost by twenty percent. Drivers with dangerous tickets such as DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Better credit means lower rates – A driver’s credit score is a large factor in your rate calculation. So if your credit score is lower than you’d like, you could save money insuring your 2001 Lincoln Navigator by improving your rating. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with poor credit.

Cut your premium with discounts

Auto insurance companies don’t always list every available discount very well, so here is a list both the well known and also the lesser-known car insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Club Memberships – Belonging to certain professional organizations could trigger savings on your policy on Navigator insurance.
  • One Accident Forgiven – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.
  • Bundle and Save – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current expiration date. It can save you around 10%.
  • No Claims – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
  • Driver Safety – Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more on Navigator insurance than their less cautious counterparts.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. Discounts may not be available in your state.

What is the best insurance coverage?

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • Is motorclub coverage worth it?
  • Do I need roadside assistance coverage?
  • Does my car insurance cover rental cars?
  • What is the minimum liability in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my 2001 Lincoln Navigator qualify for pleasure use?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability insurance – This will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like structural damage, medical expenses, loss of income, pain and suffering and court costs. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage pay for short-term medical expenses for nursing services, prosthetic devices, chiropractic care, pain medications and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, hitting a bird, hail damage and hitting a deer. The most you can receive from a comprehensive 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 – This coverage will pay to fix damage to your Navigator caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

In the end, you save

We just showed you many tips how you can compare 2001 Lincoln Navigator insurance prices online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the best price on car insurance is with a small mutual company.

Drivers leave their current company for many reasons like not issuing a premium refund, lack of trust in their agent, being labeled a high risk driver and delays in responding to claim requests. Regardless of your reason for switching companies, finding the right car insurance provider can be easy and end up saving you some money.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and learned later that they should have had better coverage. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

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