1998 Lincoln Navigator Insurance Rates – 10 Savings Tips

Trying to find cheaper insurance coverage rates? Buyers have options when searching for the lowest priced Lincoln Navigator insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the best way to quote coverages for your Lincoln and get the lowest price.

It’s a great practice to compare prices periodically since insurance rates change regularly. Even if you got the best rates on Navigator coverage six months ago you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.

If you have a current insurance coverage policy or are just looking to switch companies, you can follow these tips to find the best rates and still get good coverage. This information will teach you how to get online quotes. Consumers only need to know the most efficient way to find the lowest price on the web.

How to save on 1998 Lincoln Navigator insurance

Companies offering auto insurance don’t necessarily list every available discount very well, so we break down both well-publicized as well as the least known ways to save on auto insurance. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Low mileage vehicles can earn better rates on cars that stay parked.
  • College Student – Children who are attending college and do not have a car may qualify for this discount.
  • Claim Free – Claim-free drivers pay less as compared to accident-prone drivers.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% off your medical payments premium.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can qualify for discounts up to 30%.
  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up on their website.
  • Organization Discounts – Being a member of certain professional organizations may earn a discount when buying auto insurance on Navigator coverage.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Navigator coverage than drivers with accident claims.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

A partial list of companies that may have these discounts include:

Check with all companies you are considering which discounts you may be entitled to. All car insurance discounts may not be available in your state.

Comprehensive Auto Insurance Comparison Quotes

There are multiple methods to shop for 1998 Lincoln Navigator auto insurance, but there is one way that is less time-consuming than others. You could waste time talking to insurance companies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in a marketplace that allows shoppers to complete one form, and at least one company then returns a price quote. This eliminates the need for repetitive form submissions to each individual auto insurance company. To participate in this free quote system, click to open in new window.

One minor caviat to getting quotes like this is that consumers can’t choose the companies to receive prices from. So if you want to choose specific providers to request quotes from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using the exact same coverage information for each comparison quote. If you are comparing differing limits then you won’t be able to decipher which rate is best.

Tailor your coverage to you

When choosing the best auto insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help you determine if your situation would benefit from professional advice.

  • What are the financial responsibility laws in my state?
  • Am I covered when driving someone else’s vehicle?
  • Do I pay less for low miles?
  • How high should deductibles be on a 1998 Lincoln Navigator?
  • What companies insure drivers after a DUI or DWI?
  • Does coverage extend to my business vehicle?
  • If I drive on a suspended license am I covered?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I have combined single limit or split liability limits?
  • What exactly is covered by my policy?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Specific coverage details

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

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, crashing into a ditch, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Navigator.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as pain and suffering, repair costs for stationary objects, structural damage, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, damage from a tornado or hurricane and rock chips in glass. The most your car insurance company will pay 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.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for surgery, hospital visits and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Online plus local equals savings

People switch companies for any number of reasons including high rates after DUI convictions, policy cancellation, poor customer service or even policy non-renewal. Whatever your reason, finding a great new company is not as hard as you think.

When shopping online for insurance coverage, it’s very important that you do not reduce needed coverages to save money. In many cases, an accident victim reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

We just presented many tips how you can get a better price on 1998 Lincoln Navigator insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the lowest rates come from some of the lesser-known companies.

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