2005 Lincoln Navigator Car Insurance Rates

Buyers have options when searching for the best price on Lincoln Navigator insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to make rate comparisons. There are more efficient ways to shop for insurance so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Lincoln and get the cheapest rates from both online companies and local agents.

It’s smart to price shop coverage periodically since insurance rates are variable and change quite frequently. Just because you found the lowest price for Navigator insurance a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re about to find out how to use online quotes to properly buy coverages while reducing your premium.

If you are insured now or are just looking to switch companies, you can use this information to shop for the lowest rates and still get good coverage. This article will help educate you on how car insurance quotes work and some money-saving tips. Consumers just need to understand the most efficient way to shop their coverage around on the web.

How to reduce Lincoln Navigator insurance rates

Auto insurance companies don’t necessarily list every discount very well, so we researched both well-publicized and also the lesser-known savings tricks you should be using. If you don’t get every credit you qualify for, you are throwing money away.

  • New Car Discount – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
  • Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates when shopping for insurance for Navigator insurance.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Senior Citizens – Mature drivers may qualify for a small decrease in premiums for Navigator insurance.

Keep in mind that most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky.

For a list of insurers with discount insurance rates, follow this link.

Finding Car Insurance Deals

Finding a better price on car insurance isn’t really that difficult. All you need to do is spend a few minutes to get quotes online from several insurance companies. This can be accomplished in several different ways.

  1. The fastest way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form eliminates the need for repetitive form entry to each individual car insurance company. One simple form gets you coverage quotes from several companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to analyze rates is spending the time to visit the website of each company to complete a price quote. For example, let’s say you want comparison quotes from Allstate, Esurance and GEICO. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The hardest way to compare rates is to spend time driving to insurance agents’ offices. Shopping for car insurance online makes this process obsolete unless you prefer the personal advice that only a license agent can provide. It is possible to price shop your coverage online and get advice from an agent in your area and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverage limits and deductibles on every quote you get. If you have different limits and deductibles on each one it will be very difficult to make an equal comparison.

Lincoln Navigator insurance rates have many determining factors

An important part of buying insurance is that you know the rating factors that play a part in calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to big savings.

Shown below are a few of the “ingredients” that factor into prices.

  • Don’t get talked into coverage you don’t need – There are a lot of add-on coverages you can purchase when buying auto insurance. Things like rental car reimbursement, better glass coverage and membership fees may be wasting your money. These coverages may sound good at first, but your needs may have changed so remove them from your policy.
  • Lower deductibles cost more – Deductibles for physical damage define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, or theft. The more money the insured has to pay upfront, the less your auto insurance will be for Navigator insurance.
  • Better crash test results mean better rates – Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Lincoln is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Teen drivers pay high rates – Older insureds are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Teen drivers tend to get distracted easily when behind the wheel and because of this, their auto insurance rates are much higher.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Careers like doctors, executives and accountants are shown to have higher rates than average attributed to high stress and long work hours. On the flip side, jobs such as actors, athletes and performers pay the least for Navigator insurance.
  • Pleasure use or commuting – The more you drive in a year the higher your rate. Almost all companies apply a rate based on their usage. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy shows the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Navigator may be costing you.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might help in determining if you might need professional guidance.

  • Can I make deliveries for my home business?
  • Am I covered when driving on a suspended license?
  • How do I file an SR-22 for a DUI in my state?
  • Are split liability limits better than a combined single limit?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I break a side mirror?
  • Is business equipment covered while in my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is the minimum liability in my state?
  • Is my cargo covered for damage or theft?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Beware of misleading car insurance ads

Drivers can’t get away from ads for the lowest price auto insurance by Progressive, Allstate and GEICO. They all seem to make the same claim about savings if you switch to their company.

How do they all say the same thing? It’s all in the numbers.

All companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a driver they prefer could possibly be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Consumers who don’t qualify for this ideal profile will be quoted a more expensive rate which leads to business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. That is how companies can advertise the way they do. This emphasizes why drivers must get as many comparisons as possible. Because you never know the company that will provide you with the cheapest Lincoln Navigator insurance rates.

Auto insurance policy specifics

Understanding the coverages of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages – This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a deer and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, rehabilitation expenses, funeral costs, hospital visits and X-ray expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverage – This coverage provides protection from damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, repair costs for stationary objects, bail bonds, structural damage and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Be a smart shopper

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.

Affordable 2005 Lincoln Navigator insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

People who switch companies do it for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, not issuing a premium refund and even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

Much more information about insurance coverage is available at these links: