Save on 2001 Lincoln Navigator Car Insurance Rates

If shopping for auto insurance online is new to you, it’s easy to be confused because of the huge number of companies offering coverage.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. The purpose of this post is to tell you the most effective way to quote insurance and some money-saving tips. Although drivers need to learn the way companies sell insurance online.

How to Compare Auto Insurance Quotes

Most major insurance companies like State Farm, Geico and Progressive provide coverage price quotes on the web. Getting online quotes is fairly straightforward as you simply enter the amount of coverage you want into the quote form. After the form is submitted, their system orders your credit score and driving record and returns a price.

This streamlines rate comparisons, but the process of having to visit different websites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you want to find lower prices.

A quicker way to find lower prices makes use of a single form that obtains quotes from several companies at one time. This type of form saves time, requires much less work on your part, and makes online shopping much more enjoyable. As soon as the form is sent, it gets priced and you are able to buy any one of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process only takes a few minutes and may save quite a bit of money.

In order to find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend that you enter the coverage information exactly as shown on your declarations page. This ensures you will receive rate comparison quotes using the exact same coverages.

Don’t believe everything you hear

Insurance coverage companies such as State Farm, Geico and Progressive consistently run ads in print and on television. They all seem to have a common claim about savings if you change your coverage to them. How can each company claim to save you money? This is how they do it.

Insurance companies can use profiling for the type of customer that makes them money. A good example of a desirable insured could possibly be between 25 and 40, a clean driving record, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who are not a match for the requirements will be quoted higher premiums and this can result in business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save money. This is how insurance companies can confidently state the savings. This emphasizes why you need to get quotes from several different companies. You cannot predict which company will have the lowest Lincoln Navigator insurance rates.

These discounts can lower your rates

Car insurance companies do not advertise every available discount very clearly, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving.

  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Paperless Signup – Some insurance companies will give a small break for buying a policy and signing up on their website.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Insurance companies that possibly offer these discounts include:

Check with all companies you are considering which discounts they offer. Some discounts might not apply in your area.

Different people need different coverages

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether you may require specific advice.

  • Do I have newly-aquired coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will my insurance pay for OEM parts?
  • Will my rates increase for filing one claim?
  • Is pleasure use cheaper than using my 2001 Lincoln Navigator to commute?
  • What is medical payments coverage?
  • Should I buy only the required minimum liability coverage?
  • What vehicles should carry emergency assistance coverage?
  • Why am I required to buy liability insurance?
  • Does insurance cover damages from a DUI accident?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Detailed coverages of your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, hitting a bird, rock chips in glass and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like chiropractic care, hospital visits, ambulance fees, pain medications and EMT expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage – Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people. It does not 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. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as medical services, repair bills for other people’s vehicles, pain and suffering and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, colliding with another moving vehicle, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured and underinsured coverage – This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Lincoln Navigator.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

In any little way, save everyday

Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, not issuing a premium refund, high prices or even extreme rates for teen drivers. No matter why you want to switch, finding the right insurance coverage provider is pretty simple and you could end up saving a buck or two.

The cheapest 2001 Lincoln Navigator insurance can be found on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not offer online quoting and these smaller companies work with independent agents.

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, drivers have reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at a price you can afford.

Much more information about insurance coverage can be found on the following sites: