2007 Lincoln Navigator L Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Lincoln Navigator L? Finding affordable insurance coverage can be hard for beginners to comparison shopping online. People have so many options available that it can easily become a big hassle to locate the lowest price.

Consumers need to do rate comparisons quite often because prices are rarely the same from one policy term to another. If you had the best deal on Navigator L coverage six months ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the fastest and easiest way to find better coverage at a better price.

Factors that can influence insurance rates for a Lincoln Navigator L

An important part of buying insurance is that you know the different types of things that come into play when calculating auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

  • Safer occupants lowers premiums – Vehicles with good safety scores can get you lower premiums. These vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Lincoln Navigator L is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Special features that cut premiums – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Rate your vehicle for proper use – The higher the mileage driven each year the more you will pay for auto insurance. The majority of insurers rate vehicles determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Navigator L may be costing you. Double check that your auto insurance declarations sheet is rated on the correct usage for each vehicle.
  • Do you work long hours in a high stress job? – Did you know your job can affect your rates? Jobs such as doctors, architects and accountants tend to pay higher rates than average due to high stress and lengthy work days. On the flip side, jobs such as scientists, athletes and performers have the lowest average rates on Navigator L coverage.
  • Tickets mean higher rates – Even one ticket can increase rates forty percent or more. Good drivers tend to pay less for car insurance than bad drivers. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Frequent auto insurance claims increase rates – If you file claims often, you can look forward to either policy cancellation or increased premiums. Insurance companies generally give better rates to policyholders who are claim-free. Your insurance policy is intended for larger claims.
  • Do you know you’re credit rating? – Credit rating is a big factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible than drivers who have lower credit ratings. So if your credit can use some improvement, you could potentially save money when insuring your 2007 Lincoln Navigator L by improving your credit score.
  • Increase deductibles and save – Your deductibles define the amount you are willing to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The higher the amount you’re willing to pay, the bigger discount you will receive on Navigator L coverage.

Vehicle Insurance Comparison

To find the best car insurance prices, there are several ways to compare quotes from local car insurance companies. The fastest way to find the cheapest 2007 Lincoln Navigator L insurance rates is to get quotes online. This can be done using a couple different methods.

  1. One of the simplest ways to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This method prevents you from having to do repetitive form entry for each company. Filling out one form gets rate comparisons from many national carriers. Just one form and you’re done.
  2. A harder way to compare prices consists of going to each company’s website to complete a price quote. For example, we’ll pretend you want comparison quotes from USAA, Farmers and Travelers. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming method of getting rate comparisons is to spend your day driving to local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the professional advice that only a license agent can provide. It is possible to compare the best prices online and still use a local agent and we’ll cover that in a bit.

It’s up to you which method you use, but double check that you are using identical coverages with each company. If you have different liability limits it will be next to impossible to determine which rate is truly the best. Just a small difference in coverages may result in a large different in cost. And when quoting car insurance, remember that obtaining a wide range of quotes will improve the odds of getting the best price.

Do drivers who switch really save $490 a year?

Companies like Allstate and Progressive constantly bombard you with ads on TV and radio. All the ads say the same thing that you can save if you switch to their company. How can each company claim to save you money?

All the different companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer might be a mature driver, has no tickets, and drives newer vehicles. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Potential insureds who are not a match for these standards will have to pay higher prices and ends up with business not being written. The ad wording is “customers that switch” not “people who quote” save that much money. That’s why companies can truthfully advertise the way they do.

Because of the profiling, drivers should compare as many rates as you can. It is impossible to predict which insurance coverage company will give you the biggest savings on Lincoln Navigator L insurance.

Best discounts on Lincoln Navigator L coverage

Insuring your vehicles can cost a lot, but you can get discounts that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but a few need to be inquired about prior to getting the savings.

  • Student in College – Children who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.

Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, you’re out of luck. But all discounts will help reduce your premiums.

A partial list of companies that may offer these discounts may include but are not limited to:

Before buying, ask each company which discounts they offer. Savings may not apply everywhere.

Tailor your coverage to you

When choosing the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions might point out if you could use an agent’s help.

  • What should my uninsured motorist coverage limits be in my state?
  • Do I pay less for low miles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when using my vehicle for business?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if I drive in a foreign country?
  • What is the ISO rating for a 2007 Lincoln Navigator L?
  • Is pleasure use cheaper than using my 2007 Lincoln Navigator L to commute?
  • What if I owe more than I can insure my car for?
  • Should I buy additional glass protection?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

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. Frequently these coverages are identical to your policy’s liability coverage.

Liability coverages – This can cover damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. 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 liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, repair bills for other people’s vehicles, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, falling objects, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

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

Collision coverage protects against things such as rolling your car, colliding with a tree, driving through your garage door, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for rehabilitation expenses, funeral costs, EMT expenses and nursing services. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Have the Midas touch

Consumers leave their current company for many reasons like poor customer service, policy non-renewal, extreme rates for teen drivers and delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

Affordable 2007 Lincoln Navigator L insurance can be purchased on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In many cases, consumers will sacrifice collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

Additional detailed information is available by following these links: