Lower Your 2013 Lincoln Navigator Insurance Rates

Trying to find lower car insurance rates for your Lincoln Navigator? Are you a victim of high-priced car insurance? Believe me, there are many consumers feeling the pinch from expensive car insurance.

Because there are so many choices of insurance companies, it can be impossible to locate the cheapest provider.

It is always a good idea to take a look at other company’s rates quite often since rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on Navigator insurance two years ago you will most likely find a better rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the easiest way to get good coverage at a lower rate.

Finding the best rates is not rocket science. If you have car insurance now, you will be able to reduce your rates substantially using these methods. But consumers must learn how the larger insurance companies market on the web and take advantage of how the system works.

Compare the Market for Auto Insurance

Most companies allow you to get pricing on their websites. Getting online quotes is pretty painless as you just enter your personal and coverage information as detailed in the form. After the form is submitted, their rating system obtains your driving record and credit report and quotes a price. Online quotes streamlines rate comparisons, but the work required to visit different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to perform this step in order to get a better rate.

The preferred way to get multiple rate quotes utilizes a single form that gets prices from many companies. It saves time, reduces the work, and makes online price comparison a little more enjoyable. As soon as you send your information, it is quoted with multiple companies and you can pick any of the pricing results. If you find a better price it’s easy to complete the application and buy the policy. It just takes a couple of minutes and you’ll know if lower rates are available.

In order to find out how much you can save on auto insurance, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you complete the form with deductibles and limits exactly as they are listed on your policy. This makes sure you will have rate quotes for the exact same coverage.

Save big with these discounts

Car insurance companies do not advertise every discount in a way that’s easy to find, so we took the time to find both the well known and the more hidden insurance savings.

  • Government Employees – Active or retired federal employment can save as much as 8% on Navigator insurance depending on your company.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • College Student – Youth drivers who are attending college and do not have a car may be able to be covered for less.
  • Homeowners Pay Less – Owning a home can save you money because maintaining a house is proof that your finances are in order.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Navigator insurance.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Lincoln could qualify for discounted rates on garaged vehicles.

Keep in mind that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Insurance companies that may have these benefits include:

It’s a good idea to ask each company which discounts you may be entitled to. Savings may not be available in your area.

What determines your Lincoln Navigator insurance premium

It’s important that you understand some of the elements that come into play when calculating your auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to better auto insurance rates.

The list below includes some of the items that factor into prices.

  • Do you need those extra coverages? – There are quite a few additional coverages that can waste your money on your auto insurance policy. Things like vanishing deductibles, accident forgiveness and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so remove them from your policy.
  • Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • Teen drivers pay high rates – Teen drivers tend to be less responsible behind the wheel so auto insurance rates are higher. If you’ve ever had to add a teenage driver to your policy can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse is a quick way to increase your auto insurance rates. And not only will your rates increase, but not being able to provide proof of insurance can result in a steep fine or even jail time.
  • Your occupation can affect rates – Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, social workers and stock brokers are shown to have the highest rates attributed to job stress and lengthy work days. On the other hand, jobs such as farmers, students and homemakers pay the least on Navigator insurance.

But I don’t know anything about car insurance

When buying the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?
  • When should I not file a claim?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance policy specifics

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

UM/UIM Coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability insurance – Liability coverage can cover damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others. It does not 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. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like structural damage, legal defense fees, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as rehabilitation expenses, nursing services, funeral costs and ambulance fees. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, hail damage and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – This coverage will pay to fix damage to your Navigator resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

In Summary

Cheaper 2013 Lincoln Navigator insurance can be purchased on the web as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, you should never skimp on coverage in order to save money. Too many times, an insured dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

Throughout this article, we presented a lot of tips how to shop for insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from some of the lesser-known companies. They can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

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