Save on 2013 Lincoln Navigator Car Insurance Cost

Looking for cheaper auto insurance rates for your Lincoln Navigator? No one in their right mind enjoys paying for auto insurance, in particular when the price is too high. Lots of insurance companies contend for your business, and because of this it can be hard to compare car insurance companies and get the definite best rates possible.

The easiest way to compare rate quotes is to understand most insurance companies allow for online access to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a little information like if the vehicle is leased, whether you are married, level of coverage desired, and driver ages. Those rating factors gets sent immediately to many highly-rated insurers and you will get price comparisons immediately.

To compare rates now, click here and see if a lower rate is available.

You probably qualify for some discounts

Companies offering auto insurance don’t list every discount very well, so we took the time to find some of the best known and also the lesser-known ways to save on insurance. If you don’t get every credit possible, you’re just leaving money on the table.

  • Military Discounts – Having a family member in the military can result in better rates.
  • Own a Home – Owning a house can save you money because of the fact that having a home shows financial diligence.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on Navigator coverage with certain companies.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current expiration date. The savings is around 10%.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

A partial list of companies that may have some of the above discounts include:

Check with each insurance company which discounts they offer. Savings might not apply in your state.

There’s no such thing as the perfect policy

When choosing the best insurance coverage coverage, there really is not a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Am I better off with higher deductibles on my 2013 Lincoln Navigator?
  • Am I covered if my car is in a flood?
  • Why do I only qualify for high-risk insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is PIP insurance?
  • Who is covered by my policy?
  • How can I find cheaper teen driver insurance?
  • Are rock chip repairs covered?
  • When should I buy a commercial auto policy?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages explained

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages available from auto insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2013 Lincoln Navigator.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, hitting a bird, damage from flooding, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover 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 liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, loss of income and bail bonds. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like nursing services, pain medications, surgery and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

This coverage covers damage to your Navigator from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Compare but don’t skimp

When you buy insurance online, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice collision coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at an affordable rate.

Cheap 2013 Lincoln Navigator insurance is attainable both online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

We just covered a lot of ways to reduce insurance prices online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even find the lowest premiums are with a lesser-known regional company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Geico and State Farm.

More tips and info about auto insurance can be found in the articles below: