Lower Your 2008 Lincoln Navigator Car Insurance Quotes

Overpriced Lincoln Navigator insurance can drain your checking account and force you to make sacrifices. Doing a price comparison is a smart way to help make ends meet.

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

If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Finding affordable coverage is quite easy. Nevertheless, car owners do need to learn how big insurance companies market insurance on the web.

How to Compare Car Insurance Costs

Most companies like State Farm and Allstate allow you to get prices on their websites. Getting online rates is fairly straightforward as you just enter the coverage amounts you desire into the quote form. After the form is submitted, the company’s rating system requests information on your driving record and credit history and returns a price quote. This makes comparing rates easy, but having to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible if you are searching for better prices.

A less time-consuming method to get multiple rate quotes is to use a quote form to return rates from many companies. The form is fast, helps eliminate reptitive entry, and makes online price comparison much easier. Once the form is submitted, your coverage is rated with multiple companies and you can pick any of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly compare pricing, click here to open in new window and complete the simple form. If you currently have coverage, we recommend that you enter your coverages as close as possible to your current policy. This way, you will receive a rate comparison for similar coverage.

Discounts are great for lower rates

Car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. Some discounts apply automatically at the time of purchase, but some must be specially asked for before you get the savings.

  • Distant Student – Children living away from home attending college without a vehicle on campus can receive lower rates.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Navigator coverage than less cautious drivers.
  • Claim Free – Claim-free drivers can save substantially when compared with accident-prone drivers.
  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Paperwork-free – Certain companies will give a small break just for signing your application over the internet.
  • Senior Citizens – Older drivers may be able to get a discount up to 10% for Navigator coverage.

Consumers should know that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free insurance coverage policy, you won’t be that lucky. Any amount of discount will cut the cost of coverage.

To see a list of providers with discount insurance coverage rates, click here.

Why your Lincoln Navigator insurance rates may be high

An important part of buying insurance is that you know the different types of things that help determine car insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to big savings.

The following are a partial list of the pieces used by your company to calculate prices.

  • More than one policy can earn a discount – The majority of car insurance companies provide better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to compare rates to verify if the discount is saving money.
  • Extra coverages can waste money – There are quite a few extra coverages that you can buy when buying car insurance. Things like personal injury protection, towing coverage and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so remove them from your policy.
  • Safer cars cost less to insure – Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Lincoln is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Equipment add-ons that lower car insurance rates – Driving a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Do you work long hours in a high stress job? – Occupations such as real estate brokers, architects and stock brokers are shown to have the highest rates because of high stress and lengthy work days. On the other hand, occupations such as scientists, students and retirees pay the least for Navigator coverage.
  • Where you reside plays a part – Living in a rural area is a positive aspect when insuring your vehicles. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers regularly have more traffic problems and a longer drive to work. Higher commute times means more change of being in an accident.
  • Do men or women drive better? – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. They both tend to get into accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations like reckless driving and DUI.

You may need specialized coverage

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether your personal situation may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my insurance cover a custom paint job?
  • Are there companies who specialize in insuring high-risk drivers?
  • How much liability coverage do I need in my state?
  • Do I need more liability coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can my teen drive my company car?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Do car insurance companies bend the truth?

Car insurance providers like State Farm and Allstate consistently run television and radio advertisements. They all have a common claim about savings if you change your policy. How does each company make almost identical claims? This is how they do it.

All companies have a preferred profile for the driver they prefer to insure. A good example of a driver they prefer might be profiled as over the age of 50, is a homeowner, and has a short commute. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who do not match this ideal profile will be quoted more money and ends up with business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That’s why insurance companies can confidently state the savings.

This emphasizes why you need to compare as many rates as you can. It’s just too difficult to predict which car insurance company will give you the biggest savings on Lincoln Navigator insurance.

Car insurance coverages explained

Knowing the specifics of car insurance aids in choosing the right 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. These are typical coverages found on most car insurance policies.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Lincoln Navigator.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

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

Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass, a tree branch falling on your vehicle and hail damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages – Liability coverage provides protection from injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and 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. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, pain and suffering, emergency aid and medical expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for expenses like doctor visits, rehabilitation expenses, EMT expenses and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Save your cold hard cash

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits only to find out that it was a big mistake. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.

We just presented many tips how you can reduce 2008 Lincoln Navigator insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from some of the lesser-known companies. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Additional information can be found at the links below