2002 Lincoln Navigator Insurance Rates

Are you a victim of an underperforming, overpriced insurance coverage policy? Trust us when we tell you there are many people just like you.

Companies like Allstate, Liberty Mutual and State Farm constantly bombard you with catchy ads and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s smart to get comparison quotes once or twice a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the lowest rates for Navigator insurance a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn the only way to properly buy coverages while reducing your premium.

The quickest way to compare insurance rates from multiple companies is to know most larger insurance companies allow for online access to compare rate quotes. The only thing you need to do is give them rating details like daily mileage, how much coverage you want, how much education you have, and whether you have decent credit. That rating information is then sent to multiple top-rated companies and you will get price comparisons with very little delay.

To get price quotes for your 2002 Lincoln Navigator, click here then complete the form.

Cut your car insurance rates with discounts

Companies offering auto insurance do not advertise all their discounts in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find car insurance savings.

Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Navigator insurance than less cautious drivers.
No Accidents – Drivers with accident-free driving histories can save substantially compared to accident-prone drivers.
Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
Own a Home – Simply owning a home may trigger a car insurance policy discount because owning a home requires personal responsibility.
Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Navigator insurance with select insurance companies.
Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of companies offering car insurance discounts, click here to view.

You are unique and your insurance should be too

When choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you might need an agent’s assistance.

Which companies will insure high-risk drivers?
Do I need higher collision deductibles?
Where can I find DUI or SR-22 insurance?
Am I getting all the discounts available?
What is an SR-22 filing?
Can I get a multi-policy discount for packaging my home and auto coverage?
What is covered by UM/UIM coverage?
What is roadside assistance coverage?
Are my friends covered when driving my car?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your policy

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from car insurance companies.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t 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. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as structural damage, legal defense fees, bail bonds, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like pain medications, prosthetic devices and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, a broken windshield, theft, vandalism and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage for collisions

Collision coverage covers damage to your Navigator from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, sideswiping another vehicle, crashing into a building, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.