Lower Your 2000 Lincoln Navigator Insurance Cost

Saving money on auto insurance is hard for consumers not familiar with comparing rates online. Consumers have so many options that it can be a ton of work to find the best price.

Verify you’re getting all your discounts

Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so here is a list both well-publicized as well as the least known savings tricks you should be using.

  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Navigator insurance than drivers with accidents.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Early Signing – Some companies give discounts for signing up before your current policy expires. This can save 10% or more.

It’s important to understand that some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

Insurance companies that may have these benefits are:

Double check with each company what discounts are available to you. Some discounts may not apply everywhere.

When should I talk to an agent?

When buying proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Should I buy only the required minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • I have a DUI can I still get coverage?
  • Am I covered if I drive in a foreign country?
  • Do I need roadside assistance coverage?
  • Should I buy additional glass protection?
  • Does my car insurance cover rental cars?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Insurance coverages explained

Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

This pays for damage to your Navigator caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like surgery, pain medications, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits 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 total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, hitting a bird, theft and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

At the end of the day…

Insureds switch companies for any number of reasons including not issuing a premium refund, high rates after DUI convictions, delays in responding to claim requests and even delays in paying claims. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. Too many times, an insured dropped uninsured motorist or liability limits and learned later that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We covered quite a bit of information on how to save on 2000 Lincoln Navigator insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest premiums are with the smaller companies.

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