2003 Lincoln Navigator Insurance Rates

No one in their right mind likes having to buy auto insurance, in particular when they are paying too much. Lots of insurers contend for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate

If you have a current insurance coverage policy or need a new policy, you can follow these tips to cut your premiums and still get good coverage. Choosing the best insurance company for you is quite easy. Drivers just need to understand the proper way to shop their coverage around over the internet.

Insurance Comparison Rates

Shopping for lower insurance rates can be a daunting task if you aren’t aware of the easiest way. You can waste a few hours (or days) driving to agents in your area, or you could save time and use online quoting for quick rates.

Most car insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and at least one company can give them a price for coverage. This saves time by eliminating form submissions to every company.

To compare 2003 Lincoln Navigator rates now click here to open in new window.

The one downside to doing it this way is that consumers can’t choose the insurers you want pricing from. So if you prefer to pick specific providers to compare, we have a listing of low cost insurance companies in your area. View list of insurance companies.

Whichever way you use, be sure to compare apples-to-apples coverages and limits on every quote you get. If the quotes have mixed coverages it will be very difficult to determine the best price for your Lincoln Navigator.

Don’t listen to company ads

Consumers can’t ignore all the ads for cheaper car insurance from companies such as Progressive, Allstate and Geico. They all seem to make an identical promise of big savings if you switch your policy.

How can each company claim to save you money? It’s all in the numbers.

All companies have a certain “appetite” for the type of driver that is profitable for them. An example of a desirable insured could possibly be between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t meet these standards must pay more money which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save money. That is how insurance companies can advertise the savings. This illustrates why drivers must get as many comparisons as possible. It is impossible to predict which company will fit your personal profile best.

Policy discounts you shouldn’t miss

Companies don’t always list every available discount in an easy-to-find place, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Good Students Pay Less – This discount can save 20 to 25%. This discount can apply up to age 25.
  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates when buying auto insurance for Navigator insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Navigator insurance than drivers with accidents.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.

It’s important to note that some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Insurance companies who might offer these discounts are:

Check with all companies you are considering how you can save money. All car insurance discounts may not be available in your state.

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • What is no-fault insurance?
  • Does my insurance cover a custom paint job?
  • How can I find cheaper teen driver insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • How can I force my company to pay a claim?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance coverages explained

Having a good grasp of insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Auto liability insurance – This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, legal defense fees and court costs. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane, damage from flooding, theft and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – This will pay to fix damage to your Navigator caused by collision 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 protects against things such as sideswiping another vehicle, colliding with a tree, hitting a parking meter, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for bills such as EMT expenses, ambulance fees and hospital visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2003 Lincoln Navigator.

Due to the fact that many 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.

One last thing

Cheaper 2003 Lincoln Navigator insurance is available on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

We just presented many tips how you can save on insurance. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may even find the best price on car insurance is with the smaller companies. They may only write in your state and offer lower rates than the large multi-state companies such as Progressive and Geico.

When buying insurance coverage, you should never reduce needed coverages to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. The ultimate goal is to buy enough coverage at the best price, not the least amount of coverage.

More detailed car insurance information is located by following these links: