How Much Does 2004 Lincoln Navigator Insurance Cost?

Want cheaper insurance rates for your Lincoln Navigator? No one in their right mind enjoys paying for insurance, especially knowing the price is too high.

Insurance companies such as State Farm, Geico and Farmers Insurance persitently shower you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

The best way we recommend to get policy rate comparisons takes advantage of the fact almost all companies actually pay money for the chance to give rate comparisons. The only thing you need to do is provide the companies a bit of rating information such as distance driven, your general credit rating, how much coverage you want, and if you are currently licensed. Your rating data is instantly submitted to multiple companies and they return quotes with very little delay.

To compare rates for a now, click here and enter your zip code.

Are you falling for claims of savings?

Companies like State Farm, Allstate and Geico constantly bombard you with ads on television and other media. All the ads make an identical promise of big savings if you switch your policy. But how can every company say the same thing?

Different companies have a preferred profile for the type of driver they prefer to insure. An example of a desirable insured could possibly be over the age of 50, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who don’t meet this ideal profile will be charged a more expensive rate and this can result in the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save money. That’s why companies can truthfully advertise the way they do. That is why drivers must compare as many rates as you can. Because you never know which company will provide you with the cheapest Lincoln Navigator insurance rates.

Policy discounts you shouldn’t miss

Auto insurance companies don’t list all their discounts very well, so we researched both the well known as well as the least known savings tricks you should be using.

  • Accident Forgiveness – A handful of insurance companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home shows financial diligence.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like you could get a free auto insurance policy, companies don’t profit that way.

A partial list of companies who might offer these money-saving discounts are:

Before buying, ask every prospective company which discounts they offer. Some discounts might not apply in your state.

Insurance agents can help

When it comes to choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique so your insurance should reflect that These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

  • Should I carry comprehensive and collision coverage?
  • How can I force my company to pay a claim?
  • Is motorclub coverage worth it?
  • Is my nanny covered when driving my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • When does my teenage driver need to be added to my policy?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage breakdown

Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses for nursing services, EMT expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Lincoln Navigator.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverage – 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 first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability auto insurance – This provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover 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 commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as loss of income, repair costs for stationary objects and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, a tree branch falling on your vehicle, theft and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Have the Midas touch

Affordable 2004 Lincoln Navigator insurance is definitely available online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

We covered some good ideas how to compare insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Drivers may discover the lowest rates come from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost than their larger competitors like Progressive or Geico.

Additional information can be found below: