Compare 2011 Lincoln Navigator Insurance Cost

Trying to find the cheapest insurance coverage rates for your Lincoln Navigator? Sick and tired of scraping the payment together to buy car insurance? You are in the same boat as most other car owners.

Big-name insurance companies like State Farm, Progressive and Geico continually bombard you with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

The quickest method we recommend to compare car insurance company rates is to know all the major auto insurance companies pay for the opportunity to quote your coverage. To start a quote, the only thing you need to do is take a few minutes to give details including driver ages, how your vehicles are used, if you have a valid license, and if it has an alarm system. That rating information is instantly provided to all major companies and you get price estimates immediately.

To check rates for your , click here and find out if you can get cheaper insurance.

Save with discounts on 2011 Lincoln Navigator insurance

Auto insurance companies do not advertise all their discounts very clearly, so we researched both well-publicized as well as the least known insurance savings.

  • Memberships – Affiliation with a qualifying organization is a good way to get lower rates on insurance for Navigator coverage.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company qualifies for this discount.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Navigator coverage.
  • Good Student – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Navigator coverage than drivers with accidents.
  • Multi-policy Discount – If you have multiple policies with the same company you will save up to 20% off your total premium.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Navigator coverage with select insurance companies.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

Insurance companies who might offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts may not apply in your state.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Am I covered if I break a side mirror?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving in Canada or Mexico?
  • Should I have combined single limit or split liability limits?
  • Who is covered when they drive my 2011 Lincoln Navigator?
  • I have health insurance so do I need medical payments coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Why am I required to buy high-risk coverage?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Lincoln Navigator rates are in the details

An important part of buying insurance is that you know the factors that go into determining car insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in lower car insurance prices.

Listed below are a partial list of the pieces companies use to determine premiums.

  • How many coverages with the same company – Some insurance companies will award you with lower prices to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even if you’re getting this discount it’s in your best interest to shop around to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.
  • Males pay more for insurance – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Women and men have accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
  • High deductibles save money – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Lincoln from damage. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and rolling your vehicle. The deductibles are the amount of money you are required to spend before your car insurance pays a claim. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance for Navigator coverage.
  • Never allow your policy to lapse – Allowing your coverage to lapse is a fast way to bump up your car insurance costs. Not only will you pay more, but not being able to provide proof of insurance will get you a license revocation or jail time.You may need to file a SR-22 with your state motor vehicle department.
  • Being married is a good thing – Being married can get you a discount on car insurance. Having a significant other translates into being more mature and responsible and it’s proven that married couples file fewer claims.
  • Big city or small town – Living in a rural area can be a good thing when talking about car insurance. Lower population means fewer accidents. Urban drivers have much more traffic to deal with and longer commutes to work. More time commuting means higher likelihood of an accident.
  • Save money with special equipment – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.

Auto insurance coverage information

Understanding the coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, damage from getting keyed, damage from flooding, hitting a deer and fire damage. The highest 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 consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses like surgery, EMT expenses, X-ray expenses, nursing services and funeral costs. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance covers damage to your Navigator resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, rolling your car, driving through your garage door, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2011 Lincoln Navigator.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance

This provides protection from damage that occurs to other’s property or people. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, 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 things like attorney fees, repair costs for stationary objects, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Summing up your insurance search

We just covered quite a bit of information on how to get a better price on 2011 Lincoln Navigator insurance. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like Geico and State Farm.

When buying insurance coverage, do not skimp on coverage in order to save money. In many cases, an insured dropped physical damage coverage only to find out that it was a big mistake. Your strategy should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Additional detailed information can be read in these articles: