2006 Lincoln Navigator Car Insurance Rates

Finding cheaper insurance for a Lincoln Navigator can be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to find insurance online and we’ll show you the quickest way to quote coverages for a Lincoln and obtain the lowest possible price.

Finding the best rates is quite easy. If you have a policy now or need new coverage, you can use this information to reduce the price you pay while maintaining coverages. Vehicle owners just need to understand the most efficient way to shop their coverage around online.

Discounts on 2006 Lincoln Navigator insurance

Companies don’t necessarily list all available discounts in an easy-to-find place, so here is a list some of the best known and the more hidden discounts you could be receiving. If they aren’t giving you every credit you deserve, you are throwing money away.

  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Seat Belts Save – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Navigator coverage than drivers with accident claims.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.

It’s important to understand that some credits don’t apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

To see a list of insurers who offer insurance coverage discounts, follow this link.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different.

For example, these questions could help you determine whether you might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • How can I get high-risk coverage after a DUI?
  • Is my trailer covered?
  • What is high-risk coverage and where do I buy it?
  • Is a new car covered when I drive it off the dealer lot?
  • If my 2006 Lincoln Navigator is totaled, can I afford another vehicle?
  • Can I afford low physical damage deductibles?
  • Does my 2006 Lincoln Navigator need full coverage?
  • If my pet gets injured in an accident are they covered?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Switch companies and save? Really?

Consumers can’t ignore all the ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. All the ads make the same claim about savings if you change your policy.

But how can every company make almost identical claims?

Different companies have a preferred profile for the type of driver they prefer to insure. An example of a preferred risk could possibly be over the age of 40, has no tickets, and has excellent credit. Any new insured who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.

Drivers who don’t measure up to these standards will have to pay a more expensive rate which leads to the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently make those claims. Because of the profiling, you absolutely need to get as many comparisons as possible. It’s impossible to know which company will fit your personal profile best.

Car insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lincoln Navigator.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverage

This provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as medical services, pain and suffering and loss of income. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, hail damage and vandalism. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a building, backing into a parked car and hitting a parking meter. 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 increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses like EMT expenses, pain medications, X-ray expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

In Summary

Lower-priced 2006 Lincoln Navigator insurance can be purchased from both online companies in addition to many insurance agents, so you should compare both to get a complete price analysis. A few companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

You just learned a lot of ways to save on insurance. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the most savings is with some of the smallest insurance companies.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice liability limits or collision coverage and learned later that it was a big error on their part. The proper strategy is to buy the best coverage you can find at the best price while not skimping on critical coverages.

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