How Much Does 2007 Lincoln Navigator L Car Insurance Cost?

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, you are not the only one feeling buyer’s remorse.

Drivers have so many car insurance companies to insure vehicles with, and even though it’s nice to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

It’s a good habit to take a look at other company’s rates at least once a year because insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest rates for Navigator L insurance a couple years back the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about car insurance because it’s time to teach you the fastest way to remove unneeded coverages and save money.

Best discounts on Lincoln Navigator L coverage

Companies that sell car insurance don’t always list all their discounts very well, so here is a list some of the more common and the more hidden insurance savings.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Lincoln can earn discounted rates on garaged vehicles.
  • Organization Discounts – Participating in a professional or civic organization could qualify you for a break when buying insurance for Navigator L insurance.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.

Keep in mind that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of providers offering insurance discounts, click here.

Lincoln Navigator L rates are in the details

An important part of buying insurance is that you know some of the elements that play a part in calculating your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are some of the factors that factor into your rates.

  • High deductibles save money – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Lincoln from damage. Some examples of claims that would be covered could be colliding with a building, damage from fire, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more the insured has to pay upfront, the bigger discount you will receive for Navigator L insurance.
  • Choose a safe vehicle and save – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Lincoln Navigator L earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Bad driving skills means higher rates – Your driving citation history has a big impact on rates. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Only having one speeding ticket can bump up the cost by twenty percent. Drivers who have severe citations such as DUI or reckless driving may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • A lapse in coverage is a bad thing – Allowing your car insurance policy to lapse will be a sure-fire way to increase your car insurance rates. And not only will your rates increase, getting caught without coverage can result in a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Tailor your coverage to you

When buying the right insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might point out whether you would benefit from an agent’s advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Does my 2007 Lincoln Navigator L qualify for pleasure use?
  • Is my ex-spouse still covered by my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage when pulling a U-Haul trailer?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does coverage extend to Mexico or Canada?
  • Will my insurance pay for OEM parts?
  • Why is insurance for a teen driver so high?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Having a good grasp of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, vandalism, fire damage, damage from getting keyed and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, pain and suffering, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision coverage

This covers damage to your Navigator L caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, sideswiping another vehicle, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses like hospital visits, doctor visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Do the work, save more money

We just covered a lot of techniques to get a better price on 2007 Lincoln Navigator L insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the biggest savings come from a smaller regional carrier. These companies often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

Low-cost insurance is attainable online and with local insurance agents, so compare prices from both to get a complete price analysis. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Additional insurance information can be found on the following sites: