2013 Lincoln Navigator Car Insurance Rates

Trying to find better auto insurance rates? Buyers have a choice when searching for the lowest priced Lincoln Navigator insurance. You can either waste hours calling around to get rate comparisons or use the internet to get rate quotes.

There is a right way and a wrong way to buy auto insurance so we’re going to tell you the proper way to get price quotes for a Lincoln and find the cheapest rates.

If you have a policy now or are just looking to switch companies, you will benefit by learning to reduce the price you pay and still get good coverage. The purpose of this article is to help you learn how to effectively get price quotes and some money-saving tips. Drivers only need to know the most efficient way to compare company rates on the web.

Vehicle Insurance Comparison

Getting better 2013 Lincoln Navigator insurance coverage pricing can be surprisingly simple. The only thing you need to do is take a few minutes getting comparison quotes provided by online insurance companies. This can be done in a couple of different ways.

  • The most efficient way to find low rates is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for a different quote for every insurance coverage company. Filling out one form gets rate comparisons from many national carriers. This is by far the quickest method.
  • A more time consuming way to find lower rates requires visiting each company website to complete their respective quote request forms. For instance, we’ll pretend you want to compare USAA, Allstate and Farmers. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
  • The most time-consuming method of comparing rate quotes is to drive around to insurance agents’ offices. Shopping for insurance coverage online can eliminate the need for a local agent unless you prefer the personal advice only provided by licensed agents. Drivers can comparison shop online and still use a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverages and limits with every price quote. If the quotes have differing limits you will not be able to find the best deal for your Lincoln Navigator.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but a few need to be inquired about before being credited. If you’re not getting every credit available, you’re just leaving money on the table.

  • Memberships – Belonging to a qualifying organization could qualify you for a break when shopping for insurance for Navigator coverage.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Driver Safety – Taking part in a defensive driving course could cut 5% off your bill depending on where you live.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • New Vehicle Savings – Insuring a new car is cheaper since new cars are generally safer.
  • 55 and Retired – Mature drivers may qualify for reduced rates for Navigator coverage.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.

Consumers should know that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, insurance companies aren’t that generous. Any qualifying discounts will reduce your overall premium however.

For a list of companies who offer insurance discounts, follow this link.

Factors that might impact rates for a Lincoln Navigator

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

Listed below are some of the factors companies use to determine prices.

  • Better credit scores mean better rates – Your credit score is a big factor in calculating your auto insurance rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit is low, you could potentially save money when insuring your 2013 Lincoln Navigator by repairing your credit.
  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Lincoln Navigator earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Older drivers pay less – Teen drivers are statistically proven to be less responsible in a vehicle so auto insurance rates are higher. Mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.
  • Do you work long hours in a high stress job? – Jobs such as judges, business owners and accountants tend to pay higher rates than average because of high stress and long work days. On the flip side, occupations like pilots, athletes and retirees have the lowest average rates for Navigator coverage.
  • Your location affects your rates – Being located in small towns and rural areas can save you money when insuring your vehicles. Less people living in that area means fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities regularly have traffic congestion and a longer drive to work. Higher commute times means higher likelihood of an accident.
  • Being married is a good thing – Having a spouse actually saves money on your policy. Having a spouse translates into being more mature and it’s statistically proven that drivers who are married are more cautious.
  • Low deductibles can be expensive – Physical damage insurance, also known as collision and other-than-collision, protects your Lincoln from damage. Some instances where coverage would apply would be a windshield shattered by a rock, collision with an animal, or theft. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more money you are required to pay out-of-pocket, the lower your rates will be for Navigator coverage.
  • Rate your vehicle for proper use – Driving more miles in a year’s time the higher your rates will be. The majority of insurers rate vehicles based on how the vehicle is used. Autos not used for work or commuting receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your Navigator may be costing you. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.

Situations that might require an agent

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions can help discover whether you will benefit from professional help.

  • Is my dog or cat covered if injured in an accident?
  • Is rental equipment covered for theft or damage?
  • Am I better off with higher deductibles on my 2013 Lincoln Navigator?
  • Am I covered if I break a side mirror?
  • Should I waive the damage coverage when renting a car?
  • Am I covered when delivering products for my home-based business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why am I required to buy high-risk coverage?
  • Can I afford to buy a different vehicle if my 2013 Lincoln Navigator is totaled?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Do drivers who switch really save $479 a year?

Consumers can’t get away from ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. All the ads say the same thing of big savings if you move to them.

But how can every company claim to save you money?

All the different companies can use profiling for the driver that makes them money. For example, a driver they prefer could possibly be between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. Any driver who meets those qualifications gets the lowest rates and therefore will save quite a bit of money when switching.

Potential insureds who fall outside the “perfect” profile will be quoted a more expensive rate which usually ends up with the customer not buying. The ads say “customers that switch” not “everyone that quotes” save money. That’s why companies can make the claims of big savings.

This emphasizes why you need to quote coverage with many companies. You cannot predict which company will give you the biggest savings on Lincoln Navigator insurance.

Car insurance coverages for a Lincoln Navigator

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, a tree branch falling on your vehicle and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Med pay and PIP coverage kick in for short-term medical expenses for things like funeral costs, surgery and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Liability – This will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair bills for other people’s vehicles, bail bonds and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Lincoln Navigator.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Collision coverages – Collision coverage will pay to fix damage to your Navigator resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

In Summary

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

You just read a lot of ways to compare 2013 Lincoln Navigator insurance prices online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the best price on car insurance is with some of the smallest insurance companies.

Affordable insurance can be sourced on the web as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

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