Compare 2016 Lincoln Navigator Insurance Rates

Trying to find lower insurance coverage rates for your Lincoln Navigator? Feeling guilty for buying an expensive insurance coverage policy? It’s a common feeling and there are many people just like you. Insurance companies such as Geico, Farmers Insurance and State Farm constantly blast consumers with catchy ads and it can be hard to see through the deception and do the work needed to find the best deal.

You should make it a habit to compare premium rates quite often because insurance coverage prices fluctuate regularly. Even if you think you had the lowest quotes on Navigator insurance a few years ago other companies may now be cheaper. Forget all the misinformation about insurance coverage because we’re going to show you the tricks you need to know to find lower rates on insurance coverage.

If you have a policy now or need a new policy, you can use these techniques to get lower rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to learn how to compare prices on the web.

The quickest method to compare rates is to realize almost all companies pay for the opportunity to give free rates quotes. To get started, all you need to do is give the companies some data including how many miles driven, how much education you have, how old drivers are, and how you use your vehicles. Your rating data gets sent immediately to insurance companies and you should receive rate quotes immediately.

Verify you’re getting every discount

Some companies don’t necessarily list the entire discount list very well, so the following is a list of a few of the more common and also the lesser-known ways to save on insurance.

No Claims – Insureds who avoid accidents and claims pay less as compared to frequent claim filers.
Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and will save you 10% or more.
Distant Student – who are enrolled in higher education away from home and do not have access to a covered vehicle may be able to be covered for less.
Save with a New Car – Adding a new car to your policy can save you some money because newer vehicles have to meet stringent safety requirements.
First Accident Forgiveness – This one is not really a discount per se, but certain companies will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims for a certain period of time.
Theft Deterent – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.

Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies that may include these discounts include:

If you want inexpensive insurance coverage quotes, ask every insurance company the best way to save money. A few discounts might not apply in your area. To see a list of insurance companies that offer some of these discounts, click here.

When should I discuss my situation with an agent?

When buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover if you would benefit from professional advice.

Am I covered if hit by an uninsured driver?
Is my state a no-fault state?
How can I find cheaper teen driver insurance?
Am I covered if I drive in a foreign country?
Is upholstery damage covered by car insurance?
What is the rate difference between pleasure use and commuting?
Do I need replacement cost coverage?
Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

The coverage is in the details

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverage types available from insurance companies.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Lincoln Navigator.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as legal defense fees, repair costs for stationary objects, emergency aid, attorney fees and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses like dental work, prosthetic devices, pain medications, EMT expenses and surgery. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your Navigator resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, hitting a mailbox, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, theft, damage from getting keyed, hail damage and hitting a deer. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.