Lower Your 2015 Lincoln Navigator Insurance Cost

Consumers have options when looking for the lowest priced Lincoln Navigator insurance. You can either spend your time driving around getting price quotes or leverage the internet to find the lowest rates.

There are more efficient ways to compare car insurance rates so you’re going to learn the absolute fastest way to quote coverages for your Lincoln and get the lowest possible price from both online companies and local agents.

It is always a good idea to shop coverage around once or twice a year because prices are variable and change quite frequently. If you had the lowest price on Navigator coverage a year ago there is a good chance you can find better rates now. Starting now, forget all the misinformation about car insurance because you’re about to learn the easiest way to find lower rates on car insurance.

Discounts mean cheaper 2015 Lincoln Navigator insurance rates

Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be specially asked for before they will apply. If you don’t get every credit you qualify for, you’re just leaving money on the table.

Federal Government Employee – Active or retired federal employment could cut as much as 10% off on Navigator coverage with a few car insurance companies.
New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
One Accident Forgiven – Some insurance companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates on your policy on Navigator coverage.
Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like you could get a free car insurance policy, it just doesn’t work that way. But any discount will bring down the cost of coverage.

Insurance companies that possibly offer these benefits may include but are not limited to:

Check with each company how you can save money. Savings may not apply in your state.

Factors determining your Lincoln Navigator insurance premium

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in big savings.

The list below includes some of the factors used by your company to calculate premiums.

Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you. If your Lincoln Navigator is rated at least four stars on Safercar.gov you may qualify for a discount.
Your occupation can affect rates – Jobs such as doctors, business owners and dentists have the highest average rates attributed to stressful work requirements and lengthy work days. Other jobs such as pilots, historians and retirees get better rates on Navigator coverage.
Are you male or female? – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Women and men tend to get into accidents in similar numbers, but men tend to have more serious accidents. Men also get cited for more serious violations like DUI and reckless driving.
Lower deductibles cost more – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Lincoln from damage. Some instances where coverage would apply are collision with another vehicle, vandalism, or theft. Your deductibles are the amount of money you are willing to pay out-of-pocket before your insurance pays a claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Navigator coverage.
Claim-free discounts can add up – Companies generally give discounts to policyholders who are claim-free. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance is intended to be relied upon for the large, substantial claims.
Your location is important – Residing in a small town has it’s advantages when buying insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. City drivers tend to have congested traffic and much longer commute distances. Longer commute distances means more change of being in an accident.
Don’t skimp on liability – Liability insurance provides coverage if you are found to be at fault for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

Does my car insurance cover rental cars?
What is PIP insurance?
Am I insured when driving a different vehicle?
Am I covered by my spouse’s policy after a separation?
If my pet gets injured in an accident are they covered?
Can I rent a car in Mexico?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Do I need roadside assistance coverage?
Do I need higher collision deductibles?
What can I do if my company denied a claim?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Save $423 a year. For real?

Consumers get pounded daily by advertisements for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim of big savings if you change to them.

How can each company claim to save you money?

Insurance companies have a preferred profile for the right customer that earns them a profit. An example of a preferred risk might be between 25 and 40, is a homeowner, and chooses high deductibles. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don’t measure up to the requirements must pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “people who quote” save that much money. That’s the way insurance companies can make those claims.

This illustrates why you need to get a wide range of price quotes. It’s impossible to know which insurance company will have the lowest Lincoln Navigator insurance rates.

Coverage specifics

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance

Liability coverage can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like funeral expenses, court costs, medical expenses and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This coverage 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 can pay for claims like backing into a parked car, driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for things like EMT expenses, dental work, funeral costs, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln Navigator.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, rock chips in glass, hail damage, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A penny saved is a penny earned

Cost effective 2015 Lincoln Navigator insurance is attainable on the web and with local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

We just showed you many ideas to lower your insurance rates. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even find the lowest premiums are with a small local company.

When shopping online for insurance coverage, make sure you don’t reduce needed coverages to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price.