How Much Does 2002 Lincoln Navigator Insurance Cost?

Finding better insurance prices for a new or used Lincoln Navigator can normally be an all-consuming task, but you can follow our insurance buying tips to make it easier. There is a right way and a wrong way to buy insurance and we’ll show you the quickest way to get price quotes for your Lincoln and locate the lowest price.

It’s a great practice to check insurance prices as often as possible due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you got the best deal for Navigator insurance last year you will most likely find a better rate quote today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the best methods to find better coverage at a better price.

Double check you’re getting these money-saving discounts

The cost of insuring your cars can be expensive, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but occassionally some discounts must be inquired about prior to receiving the credit. If you don’t get every credit you qualify for, you could be saving more on your insurance coverage.

  • Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less for Navigator insurance compared to accident prone drivers.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • No Charge for an Accident – Not really a discount, but a handful of insurance companies may permit one accident before they charge you more for coverage if you have no claims for a certain period of time.
  • Defensive Driver – Taking a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
  • Student Driver Training – Require your teen driver to complete a driver education course in school or through a local driver safety program.

It’s important to understand that many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any qualifying discounts will positively reduce the amount you pay for coverage.

For a list of insurance companies that provide some of the discounts listed above, click here.

Do I need special coverages?

When buying the best insurance coverage coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • Do I need replacement cost coverage?
  • Does coverage extend to my business vehicle?
  • Does my 2002 Lincoln Navigator qualify for pleasure use?
  • Is my camper covered by my car insurance policy?
  • How can I find cheaper teen driver insurance?
  • Why do I need rental car insurance?
  • If my pet gets injured in an accident are they covered?
  • Why am I required to buy liability insurance?
  • Am I insured when driving a different vehicle?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

The largest companies are not always cheapest

Consumers can’t get away from ads that claim the lowest premium rates by Allstate, GEICO and Progressive. All the companies state the claim that drivers will save a bundle if you just switch your policy.

How do they all make almost identical claims? It’s all in the words they use.

All companies have a certain “appetite” for the type of customer that will add to their bottom line. For example, a desirable risk could be over age 30, has no claims, and drives a vehicle with a low ISO rating. A customer that hits that “sweet spot” receives the best premium rates and is almost guaranteed to save when they switch companies.

Drivers who don’t qualify for these standards may be required to pay higher prices with the end result being the customer not buying. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” will save that much if they switch. That’s why companies can truthfully lure you into getting a quote. Because every company is different, drivers must get as many free insurance coverage quotes as possible. It’s not possible to predict the company that will have the lowest rates.

Auto insurance coverage considerations

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Lincoln Navigator.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims like emergency aid, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your Navigator resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like dental work, hospital visits and ambulance fees. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, fire damage and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be a Smart Shopper

Affordable 2002 Lincoln Navigator insurance is attainable from both online companies in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some car insurance companies don’t offer internet price quotes and usually these regional carriers only sell coverage through independent agents.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The ultimate goal is to buy enough coverage at a price you can afford but still have enough coverage for asset protection.

Consumers leave their current company for a variety of reasons including policy non-renewal, being labeled a high risk driver, extreme rates for teen drivers or even unfair underwriting practices. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.

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