View 1999 Lincoln Navigator Car Insurance Rates

Trying to find cheaper insurance rates for your Lincoln Navigator? I can’t think of a single person who looks forward to paying for insurance, especially knowing their premiums are through the roof. With so many different company options, it can be impossible to pick the right provider.

Compare Car Insurance Today

Performing a rate comparison can be exhausting if you don’t know the best way to get rate quotes. You could waste time driving to insurance companies in your area, or you could save time and use the internet to get rates in a matter of minutes.

The majority of car insurance companies take part in a program that enables customers to enter their coverage request one time, and each company returns a rated price for coverage. This eliminates the need for repetitive form submissions for each company you want a rate for. To find out how much you can save on car insurance click here to open in new window.

The one disadvantage to pricing coverage this way is you don’t know exactly which insurance companies to get quotes from. If you prefer to choose from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same coverage information on every quote. If the quotes have different values for each quote it’s not possible to make a fair comparison for your Lincoln Navigator.

Factors determining your Lincoln Navigator insurance premium

It’s important that you understand the rating factors that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

  • Adjust deductibles and save – The deductibles represent how much money you are required to spend before your auto insurance pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The more expense you have to pay, the lower your rates will be for Navigator coverage.
  • How many coverages with the same company – Many insurance companies will award you with lower prices to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to shop around to make sure you are getting the best deal.
  • Clean credit earns discounts – A driver’s credit score is a important factor in calculating your auto insurance rates. People with excellent credit tend to be more responsible as compared to drivers with lower credit ratings. If your credit history is low, you could pay less to insure your 1999 Lincoln Navigator by improving your rating.
  • Your stress level may be raising your rates – Occupations like judges, executives and stock brokers are shown to have the highest rates due to high stress and lengthy work days. On the other hand, occupations like pilots, students and retirees pay the least for Navigator coverage.
  • Always keep insurance in force – Having an insurance coverage lapse is a quick way to bump up your auto insurance costs. And not only will your rates increase, but not being able to provide proof of insurance will get you a revoked license or a big fine.You may need to file a SR-22 with your state motor vehicle department.
  • Women pay lower rates – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like DUI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • High crash test scores lower rates – Vehicles with good safety scores are cheaper to insure. The safest vehicles protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you. If your Lincoln Navigator is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Do you need those extra coverages? – There are quite a few extra coverages that you can get tricked into buying on your Navigator policy. Things like personal injury protection, accidental death and term life insurance may be costing you every month. They may seem like a good idea when you first buy your policy, but if they’re wasting money remove them from your policy.

Discounts are available to cut your rates

Auto insurance companies don’t necessarily list every discount very well, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving. If you don’t get every credit you deserve, you are throwing money away.

  • Paperwork-free – A few companies will give a small break just for signing your application on their website.
  • Bundle and Save – When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Lincoln can earn lower rates on the low mileage vehicles.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Accident Waiver – Certain companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Navigator coverage.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

Insurance companies that possibly offer these money-saving discounts include:

Before buying, ask all companies you are considering how you can save money. Some discounts might not apply everywhere.

Everyone needs different coverages

When it comes to buying the best insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Should I buy full coverage?
  • Is my state a no-fault state?
  • Can I still get insurance after a DUI?
  • Should I buy additional glass protection?
  • Which is better, split liability limits or combined limits?
  • Who is covered when they drive my 1999 Lincoln Navigator?
  • How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage basics

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average car insurance policy.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Lincoln Navigator.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages

This will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like loss of income, funeral expenses, court costs and medical services. How much coverage you buy is up to you, but you should buy as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield, fire damage, damage from flooding and theft. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like EMT expenses, chiropractic care, ambulance fees, dental work and prosthetic devices. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, rolling your car and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Save your hard earned cash

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Discount 1999 Lincoln Navigator insurance can be bought on the web and also from your neighborhood agents, and you should be comparing both to have the best selection. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

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