View 2012 Lincoln Navigator Insurance Quotes

Want the cheapest auto insurance rates for your Lincoln Navigator? Have you had enough of robbing Peter to pay Paul to insure your Lincoln every month? You are in the same boat as many other drivers.

There are many auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates.

You need to compare prices once or twice a year since insurance rates change regularly. Even if you got the best deal for Navigator insurance on your last policy you may be paying too much now. There is a lot of bad advice regarding auto insurance on the internet, so I’m going to show you the best ways to slash your auto insurance rates.

How to Get Insurance

To find the best insurance prices, there are several ways to compare rate quotes from insurance companies in your area. The best way to find the lowest 2012 Lincoln Navigator rates consists of shopping online. This is very easy and can be done in several different ways.

  • The most efficient way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating separate forms for every insurance company. One form will get you rate comparisons from insurance companies with the best prices.
  • Another way to get comparison quotes is to take the time to go to the website for each individual company and fill out their own quote form. For example, we’ll assume you want rates from USAA, Allstate and Liberty Mutual. To get each rate you have to visit each site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in your area, click here.

However you get your quotes, be sure to compare identical deductibles and coverage limits on every quote. If you enter different liability limits it’s impossible to decipher which rate is best. Quoting even small variations in coverages may result in large price differences. And when comparison shopping, comparing more company’s prices will enable you to find lower pricing.

Don’t miss out on these money-saving discounts

Companies that sell car insurance do not advertise every available discount in an easy-to-find place, so we break down both the well known as well as the least known insurance savings.

  • Homeowners Savings – Simply owning a home may trigger a insurance policy discount because of the fact that having a home shows financial diligence.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Organization Discounts – Participating in a professional or civic organization could trigger savings on insurance for Navigator insurance.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • College Student – Children living away from home attending college and do not have a car may qualify for this discount.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.

Companies that may have these benefits include:

Double check with each insurance company how you can save money. Discounts may not be available everywhere.

Do I need special coverages?

When it comes to choosing the best insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can help discover if you might need an agent’s assistance.

  • Does coverage extend to my business vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does insurance cover tools stolen from my truck?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when driving someone else’s vehicle?
  • When should I remove comp and collision on my 2012 Lincoln Navigator?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance coverage information

Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Lincoln Navigator.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision protection

Collision insurance covers damage to your Navigator resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, falling objects and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses such as funeral costs, chiropractic care and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

This coverage can cover damages or injuries you inflict on other’s property or people. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as emergency aid, legal defense fees, funeral expenses, court costs and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.