Lower Your 1998 Lincoln Navigator Insurance Rates

Looking for the cheapest insurance coverage rates for your Lincoln Navigator? Sick and tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other drivers.

Big companies like State Farm, Allstate, Geico and Progressive constantly blast consumers with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

Factors that can influence insurance rates for a Lincoln Navigator

It’s important that you understand the factors that come into play when calculating auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in better auto insurance rates.

The list below includes some of the factors used by your company to calculate premiums.

  • Add-on coverages can add up – There are a lot of extra coverages that you can buy if you aren’t careful. Insurance for rental car reimbursement, towing coverage and term life insurance are some examples. They may seem like a good idea at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Women pay lower rates – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men are in accidents at a similar rate, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Cautious drivers pay less – A bad driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Even one moving violation can bump up the cost by twenty percent. If you have flagrant violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Drive less and save money – The more you drive each year the higher your rates will be. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks left parked in the garage can get a lower rate than vehicles that are driven to work every day. An improperly rated Navigator can result in significantly higher rates. Make sure your auto insurance policy is showing the correct driver usage, because it can save money.
  • Your spouse saves you money – Getting married actually saves money when buying auto insurance. Marriage is viewed as being more mature and it’s proven that married couples file fewer claims.
  • Protect yourself with liability coverage – Liability coverage will protect you if ever a jury decides you are liable for damages from an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • How your age affects price – Teenage drivers are known to get distracted easily when driving so auto insurance rates are higher. Having to add a teen driver to your auto insurance policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • More claims means more premium – Companies provide discounts to drivers who do not file claims often. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.

Compare the Market for Insurance

Most major insurance companies allow you to get insurance quotes on the web. Getting quotes is fairly simple as you just enter the coverages you want as requested by the quote form. Behind the scenes, their system automatically retrieves information on your driving record and credit history and provides a quote based on these factors. This simplifies rate comparisons, but the process of having to visit many different websites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to perform this step in order to find a lower rate.

A less time-consuming method to find cheaper rates is to use a quote form that gets price quotes from more than one company. The form is fast, requires much less work on your part, and makes rate comparisons much easier. Immediately after submitting the form, it gets priced and you are able to buy your choice of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process just takes a couple of minutes and can result in significant savings.

To save time and use this form to compare rates, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you replicate the coverages exactly as shown on your declarations page. This way, you will get a price comparison based on similar coverages.

Can you really save $432 a year?

Car insurance companies such as Allstate and Progressive constantly bombard you with ads on television and other media. They all seem to make an identical promise about savings if you switch your policy. How does each company say the same thing?

Different companies can use profiling for the type of driver that is profitable for them. For example, a desirable insured might be profiled as between 30 and 50, has no tickets, and has a short commute. A customer that hits that “sweet spot” gets the lowest rates and therefore will save when they switch companies.

Potential insureds who are not a match for these standards must pay more money and this can result in business not being written. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That’s why companies can claim big savings. This illustrates why you need to compare many company’s rates. It is impossible to predict which car insurance company will provide you with the cheapest Lincoln Navigator insurance rates.

Don’t miss out on these money-saving discounts

Car insurance companies do not advertise every available discount very clearly, so here is a list some of the best known as well as the least known ways to save on car insurance.

  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Navigator insurance with certain companies.
  • Homeowners Savings – Being a homeowner may trigger a car insurance policy discount because owning a home demonstrates responsibility.
  • Resident Student – Kids in college who are attending college and don’t have a car may qualify for this discount.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • No Charge for an Accident – A few companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount on car insurance on Navigator insurance.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Lincoln could qualify for lower rates on the low mileage vehicles.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.

Drivers should understand that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.

For a list of insurers offering car insurance discounts, follow this link.

Do I need special coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight whether you may require specific advice.

  • How do I insure my teen driver?
  • Do I need rental car coverage?
  • Is my ex-spouse still covered by my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I hit a deer?
  • Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance coverages 101

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, damage from getting keyed, a tree branch falling on your vehicle and fire damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like prosthetic devices, pain medications, dental work, hospital visits and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability insurance – This provides protection from damage that occurs to other people or property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like structural damage, repair costs for stationary objects, legal defense fees, funeral expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Lincoln Navigator.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage – This coverage will pay to fix damage to your Navigator from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, sideswiping another vehicle, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Be a money saver!

When you buy insurance online, do not skimp on coverage in order to save money. Too many times, an insured cut liability limits or collision coverage only to regret at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Lower-priced 1998 Lincoln Navigator insurance can be purchased both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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