Lower Your 2015 Lincoln Navigator Car Insurance Quotes

Finding the lowest cost insurance coverage on the web can seem to be impossible for beginners to comparing rates online. Because there are so many online companies available, how can you even start to compare them all to find the cheapest available price?

What determines your Lincoln Navigator insurance premium

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. Knowing what influences your rates enables informed choices that can help you get lower car insurance prices.

  • Drive less and save money – The higher the mileage driven every year the more you will pay for car insurance. Most companies rate vehicles based on their usage. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. Improper usage on your Navigator can cost quite a bit. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.
  • Multiple policies with one company can save – Some insurers will award you with lower prices to customers who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to verify if the discount is saving money. Drivers may still find better rates by insuring with multiple companies.
  • Policy add-ons can waste money – There are a lot of add-on coverages that you can buy if you aren’t careful. Coverages like rental car reimbursement, towing coverage and motor club memberships are examples of these. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
  • Keep rates low by being claim-free – Companies generally give cheaper rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Careful drivers pay lower rates – Just one ticket can boost insurance rates by twenty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to keep their license.

How to Compare Car Insurance Costs

Most major insurance companies provide prices on the web. The process doesn’t take a lot of time as you just enter your required coverages as detailed in the form. When the form is submitted, the company’s rating system automatically orders credit information and your driving record and quotes a price.

Online quotes streamlines rate comparisons, but the work required to visit a lot of sites and type in the same information can get tiresome after awhile. Unfortunately, it is important to do this in order to get a lower rate.

Compare rates the easy way

The easiest way to lower your car insurance bill makes use of a single form that obtains quotes from several different companies. The form is fast, requires much less work on your part, and makes rate comparisons much easier. After your information is entered, it is rated and you can select any one of the quotes returned.

If you find a better price you can simply submit the application and purchase coverage. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To compare pricing, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended that you enter coverages and limits as close as possible to your current policy. This helps ensure you’re receiving a price comparison using the exact same coverages.

Insurance myths debunked

Allstate, Geico and Progressive constantly bombard you with television and radio advertisements. All the companies make an identical promise of big savings if you switch to them. But how can every company say the same thing? It’s all in the numbers.

All companies are able to cherry pick for the right customer that is profitable for them. A good example of a preferred risk could be between the ages of 30 and 50, is a homeowner, and has great credit. A customer that hits that “sweet spot” is entitled to the best price and most likely will pay quite a bit less when switching companies.

Potential insureds who are not a match for these standards will be charged a higher premium which leads to the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can make the claims of big savings.

That is why you need to compare many company’s rates. It’s impossible to know which insurance companies will have the lowest Lincoln Navigator insurance rates.

More discounts equal less premium

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help offset the cost. Most are applied when you get a quote, but a few must be asked for prior to receiving the credit.

  • Resident Student – Youth drivers who are attending college and don’t have a car may be able to be covered for less.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
  • Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Save over 55 – If you’re over the age of 55, you may receive better insurance rates for Navigator insurance.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Navigator insurance than less cautious drivers.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Navigator insurance with select insurance companies.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Driver Safety – Successfully completing a driver safety course could cut 5% off your bill if you qualify.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

For a list of providers with discount insurance rates, click this link.

It’s not one size fits all

When buying proper insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • Exactly who is provided coverage by my policy?
  • Should I buy additional glass protection?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I have coverage if my license is suspended?
  • When should my teen driver be added to my policy?
  • Who is covered when they drive my 2015 Lincoln Navigator?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Educate yourself about auto insurance coverages

Having a good grasp of auto insurance can be of help when determining the right coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, 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. Usually these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for doctor visits, pain medications and ambulance fees. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This covers damage to your Navigator from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, hitting a mailbox, backing into a parked car, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. It protects you against claims from other people. Liability doesn’t cover 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 policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as emergency aid, funeral expenses, legal defense fees, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Be a Smart Shopper

Throughout this article, we presented quite a bit of information on how to shop for 2015 Lincoln Navigator insurance online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even find the lowest priced insurance coverage comes from a small local company.

Consumers leave their current company for many reasons like denial of a claim, being labeled a high risk driver, high prices and even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

The cheapest insurance can be bought online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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