2011 Lincoln Navigator Insurance Quotes

Want the cheapest auto insurance rates for your Lincoln Navigator? Trying to find the cheapest insurance for a Lincoln Navigator can turn out to be difficult, but you can use the following methods to save time. There is a better way to find auto insurance online and you need to know the proper way to price shop coverage on a Lincoln and obtain the best price possible from local insurance agents and online providers.

These discounts can lower your rates

Car insurance companies do not advertise every available discount in an easy-to-find place, so we took the time to find both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit available, you are paying more than you should be.

  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on Navigator insurance than drivers with accident claims.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Navigator insurance with select insurance companies.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can get savings up to 30%.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.

It’s important to note that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.

To see a list of insurers with discount auto insurance rates, click here.

Different people need different coverages

When it comes to choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Am I covered if my car is in a flood?
  • Can my teen drive my company car?
  • Am I covered when driving in Canada or Mexico?
  • What is high-risk coverage and where do I buy it?
  • Is rental equipment covered for theft or damage?
  • Is a blown tire covered by insurance?
  • Why am I required to get a high-risk car insurance policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I rent a car in Mexico?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Do drivers who switch really save?

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, Geico and Progressive. They all seem to have a common claim that you’ll save big if you move your coverage to them.

How can each company claim to save you money?

Different companies have a preferred profile for the type of customer that is profitable for them. A good example of a preferred risk could possibly be between 25 and 40, a clean driving record, and has a high credit rating. A propective insured who meets those qualifications gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t measure up to this ideal profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that much. This is how companies can state the savings. Because of the profiling, it is so important to get as many comparisons as possible. It’s not possible to predict which insurance companies will fit your personal profile best.

Insurance coverages 101

Learning about specific coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, falling objects, vandalism and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like attorney fees, structural damage, medical expenses, court costs and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like nursing services, prosthetic devices, pain medications and dental work. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists 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.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision insurance

Collision insurance will pay to fix damage to your Navigator caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Smart shoppers get results

In this article, we covered many ways to lower your 2011 Lincoln Navigator insurance rates. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with an unexpected company.

Insureds who switch companies do it for any number of reasons including questionable increases in premium, high prices, delays in paying claims or lack of trust in their agent. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. In many instances, drivers have reduced collision coverage and learned later they didn’t have enough coverage. Your goal should be to get the best coverage possible at a price you can afford.

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