2008 Lincoln Navigator L Insurance Quotes

Looking for the cheapest car insurance rates for your Lincoln Navigator L? Are you sick and tired of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as many other drivers.

With so many insurance companies to choose from, it’s nearly impossible to pick the cheapest car insurance company.

Insurance Coverage Quote Comparison

When shopping for insurance coverage there are multiple ways to compare quotes from different insurance companies. The simplest method to find the lowest 2008 Lincoln Navigator L rates is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

One of the simplest ways to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating separate forms to each individual insurance coverage company. One simple form will return price quotes from multiple low-cost companies.

A slightly less efficient method to compare prices consists of going to each company website and fill out their own quote form. For examples sake, let’s assume you want to compare Allstate, Progressive and Geico. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples quote information with every price quote. If the quotes have different deductibles it’s not possible to find the best deal for your Lincoln Navigator L. Having just a slight variation in insurance coverages can mean a large discrepancy in price. Just keep in mind that comparing a large number of companies will enable you to find the best rates.

Is there truth in advertising?

Progressive, Allstate and Geico continually stream television and radio advertisements. All the companies have a common claim about savings after switching to their company. How do they all make almost identical claims?

Insurance companies can use profiling for the type of customer that makes them money. A good example of a profitable customer might be over the age of 50, owns a home, and has excellent credit. A propective insured who fits that profile gets the lowest rates and most likely will save quite a bit of money when switching.

Drivers who do not match the requirements will be quoted higher rates which leads to the customer not buying. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully claim big savings. This emphasizes why it’s extremely important to get as many comparisons as possible. It’s just too difficult to predict which insurance coverage company will have the lowest Lincoln Navigator L insurance rates.

Discounts can save BIG

Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so we researched some of the best known as well as the least known insurance coverage savings.

  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Student in College – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Navigator L coverage with a few insurance coverage companies.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.
  • E-sign – A handful of insurance companies may give you up to $50 for buying your policy online.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

To see a list of providers who offer insurance coverage discounts, follow this link.

Will just any policy work for me?

When buying proper insurance coverage, there is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help highlight if your situation will benefit from professional help.

  • Am I covered when using my vehicle for business?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if I crash into my own garage door?
  • When should I drop full coverage on my 2008 Lincoln Navigator L?
  • Why do I need rental car insurance?
  • Do I have coverage if my license is suspended?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – This coverage gives you protection 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 many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability – Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people, and 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. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as pain and suffering, repair bills for other people’s vehicles, legal defense fees and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses such as rehabilitation expenses, chiropractic care, hospital visits, surgery and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, vandalism, rock chips in glass and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More effort can pay off

The cheapest 2008 Lincoln Navigator L insurance is attainable online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just showed you a lot of tips how to reduce insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the most savings is with the smaller companies. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

Much more information about insurance coverage is available at these links: