2008 Lincoln Navigator Insurance Quotes – 6 Tips for Best Rates

Are you a victim of an overpriced car insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their car insurance policy. Since consumers have many different company options, it is hard for the average consumer to locate the lowest cost provider.

Finding more affordable insurance can be fairly easy. If you have insurance now or are shopping for new coverage, you will benefit by learning to find better prices and still get good coverage. Consumers just need to understand the most efficient way to shop for insurance online.

Take these six discounts and save

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied at quote time, but a few need to be asked about prior to receiving the credit. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Multi-policy Discount – If you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Air Bag Discount – Factory air bags may earn rate discounts up to 30%.
  • No Charge for an Accident – A handful of insurance companies permit an accident without raising rates if your claims history is clear prior to the accident.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance policy can get a discount on all vehicles.
  • No Accidents – Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
  • Student in College – Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free insurance policy, insurance companies aren’t that generous. But any discount will reduce the cost of coverage.

Car insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Some discounts might not apply everywhere.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • When does my teenage driver need to be added to my policy?
  • Am I covered if I break a side mirror?
  • Can I rent a car in Mexico?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I drive in Mexico and have coverage?
  • How high should deductibles be on a 2008 Lincoln Navigator?
  • Is my babysitter covered when using my vehicle?
  • When can my company non-renew my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Save $392 a year. For real?

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like Allstate and Progressive. They all seem to have a common claim that you can save if you move to them.

But how can every company make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the type of customer that makes them money. For example, a profitable customer might be profiled as between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who are not a match for these standards must pay higher premiums which leads to the customer not buying. The ads state “customers that switch” not “people who quote” save that much. That’s why insurance companies can advertise the way they do.

This illustrates why drivers should compare many company’s rates. You cannot predict which insurance companies will give you the biggest savings on Lincoln Navigator insurance.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages available from auto insurance companies.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for liability

This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, pain and suffering and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like pain medications, funeral costs, rehabilitation expenses, ambulance fees and surgery. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage

Collision insurance covers damage to your Navigator resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, sustaining damage from a pot hole, backing into a parked car, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, theft, damage from flooding, fire damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Summing up your insurance search

You just learned some good ideas how to lower your 2008 Lincoln Navigator insurance rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

Cost effective insurance can be sourced from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

More detailed insurance information can be found in these articles: