2006 Lincoln Navigator Insurance Quotes – 9 Tips to Save

Trying to find cheaper car insurance rates for your Lincoln Navigator? Car insurance shopping is not a task consumers enjoy, but regardless it’s required to legally drive.

You should take the time to price shop coverage quite often because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price for Navigator coverage a couple years back the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because you’re going to get a crash course in the proper way to lower your annual insurance bill.

The quickest way to compare rates is to know the trick most of the larger companies allow for online access to give you rate quotes. All consumers are required to do is provide the companies a bit of rating information like how much coverage you want, if your license is active, if you lease or own, and marital status. Your rating data is then sent to multiple top-rated companies and they provide comparison quotes very quickly.

Save big with these nine discounts

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known ways to save on auto insurance.

  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Navigator coverage than drivers with accidents.
  • 55 and Retired – Older drivers may receive better auto insurance rates for Navigator coverage.
  • Memberships – Being a member of a professional or civic organization could qualify you for a break on auto insurance for Navigator coverage.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% for Navigator coverage with select insurance companies.

Consumers should know that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, companies don’t profit that way.

Insurance companies that may offer these discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts may not apply in every state.

But I don’t know anything about car insurance

When buying the best insurance coverage coverage, there is no one size fits all plan. Every insured’s situation is different.

For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Can I afford to buy a different vehicle if my 2006 Lincoln Navigator is totaled?
  • Is my trailer covered?
  • Is there coverage for injuries to my pets?
  • What is PIP insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What discounts do I qualify for?
  • Can my babysitter drive my car?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverages 101

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses like chiropractic care, nursing services, hospital visits, EMT expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like theft, vandalism, hail damage, damage from a tornado or hurricane and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance

This coverage protects you from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like legal defense fees, funeral expenses, loss of income and structural damage. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, rolling your car, hitting a mailbox, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Save your cold hard cash

We just showed you a lot of tips how to save on 2006 Lincoln Navigator insurance. The key concept to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a lesser-known regional company.

Cost effective insurance can be found on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best price while not skimping on critical coverages.

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