2008 Lincoln Navigator L Car Insurance Rates – 10 Tips for Cheapest Quotes

If shopping for insurance online is new to you, you may be confused by the sheer number of insurance companies offering coverage.

You should make it a habit to price shop coverage quite often since rates are constantly changing. Just because you found the lowest price for Navigator L coverage on your last policy you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about insurance online but I’m going to show you some guaranteed methods to quit paying high insurance rates.

How to Compare Car Insurance Rates

The are a couple different ways to get quotes from local car insurance companies. By far the easiest way to find the cheapest 2008 Lincoln Navigator L insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

  1. The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating repetitive form submissions for every car insurance company. A single form will get you rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.
  2. A more difficult way to analyze rates requires you to visit each individual company website and request a quote. For sake of this example, we’ll assume you want to compare rates from Allstate, Esurance and Farmers. You would have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

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

  3. The hardest way to get comparison rates is to drive around to different agent offices. The internet eliminates the need for an insurance agent unless you want the professional advice of a licensed agent. Drivers can get prices online and get advice from an agent in your area.

Whichever way you use, ensure you are comparing the exact same information on every quote. If you compare higher or lower deductibles it will be very difficult to determine the lowest rate for your Lincoln Navigator L. Slightly different insurance coverages can make a big difference in price. And when comparing car insurance rates, know that obtaining a wide range of quotes will improve the odds of getting the best price.

Switch companies and save? Really?

Companies like State Farm, GEICO and Progressive continually stream ads in print and on television. All the ads make the same claim that you’ll save big after switching 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 customer that is profitable for them. For instance, a desirable insured could be between the ages of 30 and 50, has no prior claims, and has excellent credit. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Drivers who don’t meet these standards will be charged more money and this can result in the customer not buying. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently claim big savings. That is why you absolutely need to get quotes from several different companies. Because you never know which insurance companies will have the lowest Lincoln Navigator L insurance rates.

Discounts are available to cut your rates

Auto insurance companies don’t always publicize every available discount in a way that’s easy to find, so here is a list some of the more common and also the lesser-known discounts you could be receiving.

  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Navigator L coverage depending on your company.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Resident Student – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Navigator L coverage than drivers with accidents.
  • Homeowners Pay Less – Owning a home can save you money because of the fact that having a home requires personal responsibility.
  • Passive Restraints – Factory air bags or motorized seat belts can receive discounts of 20% or more.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of companies with discount auto insurance rates, follow this link.

Everyone needs different coverages

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions might point out whether your personal situation could use an agent’s help.

  • Is my camper covered by my car insurance policy?
  • Does my personal policy cover me when driving out-of-state?
  • Do I pay less for low miles?
  • Do I need to file an SR-22 for a DUI in my state?
  • How can I find cheaper teen driver insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

Car insurance coverage information

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Lincoln Navigator L.

Due to the fact that many drivers only carry the minimum required liability 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

This pays for damage to your Navigator L caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, driving through your garage door, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.


Liability insurance can cover damages or injuries you inflict on other’s property or people. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as structural damage, repair bills for other people’s vehicles, pain and suffering, funeral expenses and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, a tree branch falling on your vehicle, damage from flooding and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for things like chiropractic care, dental work and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

In any little way, save everyday

We just covered many tips how you can get a better price on 2008 Lincoln Navigator L insurance. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the best price on insurance coverage is with a smaller regional carrier.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. In many instances, someone sacrificed liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at an affordable rate.

Drivers change insurance companies for many reasons like high rates after DUI convictions, lack of trust in their agent, high prices and questionable increases in premium. Regardless of your reason, switching companies is not as hard as you think.

More tips and info about insurance coverage can be found in the articles below: