Cheap 2003 Lincoln Navigator Insurance Quotes

Tired of sacrificing other expenses to buy insurance? Your situation is no different than many other vehicle owners.

Vehicle owners have many insurers to pick from, and even though it’s nice to have a selection, having more insurers makes it harder to compare rates and cut insurance costs.

Consumers should take time to price shop coverage every six months because insurance prices are constantly changing. Even if you got the best deal for Navigator insurance a few years ago the chances are good that you can find a lower premium rate today. Don’t believe everything you read about insurance online but by reading this article, you’re going to learn some excellent ideas to stop overpaying for insurance.

This article will help you learn how car insurance quotes work and some tricks to saving. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Although drivers can benefit by having an understanding of the way insurance companies price insurance differently.

More affordable rates with discounts

Some insurance providers don’t always publicize every possible discount very clearly, so the list below details both well-publicized and the harder-to-find auto insurance savings.

  • Include Life Insurance and Save – If the company offers life insurance, you could get better premium rates if you take out a life policy as well.
  • Bundled Policy Discount – When you combine your auto and home insurance and insure them with the same company you could earn a discount of 10% to 20% off each policy.
  • Early Renewal Discounts – Some insurance companies reward drivers for buying a policy before your current policy expires. This discount can save up to 10%.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance coverage for Navigator insurance with some auto insurance companies.
  • Data Collection Discounts – Drivers that enable their company to scrutinize driving manner through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Student Discount for Driver Training – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
  • ABS Braking Discount – Vehicles with anti-lock braking systems can reduce accidents so you can save 10 percent or more.
  • Driver Training Discounts – Participating in a class that teaches defensive driver techniques can save you 5% or more and easily pay for the cost of the class.

You should keep in mind that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will lower the amount you pay for coverage.

A list of companies and their possible discounts are included below.

  • State Farm may offer discounts for safe vehicle, good student, good driver, Steer Clear safe driver discount, and defensive driving training.
  • Nationwide has discounts for multi-policy, Farm Bureau membership, defensive driving, anti-theft, and family plan.
  • GEICO offers premium reductions for air bags, anti-theft, multi-vehicle, seat belt use, and driver training.
  • AAA offers discounts for good driver, anti-theft, multi-car, AAA membership discount, and good student.
  • 21st Century has savings for teen driver, 55 and older, theft prevention, defensive driver, early bird, and student driver.
  • The Hartford may include discounts for driver training, defensive driver, bundle, air bag, and good student.

It’s a good idea to ask each insurance company which discounts they offer. Depending on the company, some discounts may not apply everywhere. To find companies that offer some of these discounts, click here.

First Step: Get free auto insurance quotes

To find the best auto insurance quotes, there are several ways to obtain and compare prices from companies that offer auto insurance in your state. The best method to compare rates is to jump online and get quotes. It’s really quite simple and can be done in several different ways.

  1. The best way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for separate forms for every prospective company. One form submission gets prices estimates from several companies.
  2. A slightly less efficient method to compare prices consists of visiting the website for each individual company and fill out their own quote form. For instance, we’ll pretend you need rates from Allstate, Safeco and State Farm. You would need to spend time going to each site individually to enter the same coverage data repeatedly, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

Whichever way you choose to compare rates, ensure you’re using the exact same coverage information for each price quote. If your comparisons have higher or lower deductibles it will be next to impossible to make a fair rate comparison. Just slight variations in limits may result in a large different in cost. Keep in mind that having more price comparisons will improve the odds of getting the best price. Some insurance companies are not set up to provide online price quotes, so it’s recommended that you also compare rates on coverage from those companies, too.

How to lower your insurance prices

Many different elements are used in the calculation when quoting car insurance. Most are fairly basic such as your driving record, but some are not quite as obvious like where you live or your commute time.One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the factors that help calculate insurance coverage rates. If you have a feel for what determines premiums, this enables informed choices that could result in lower rates.

The itemized list below are some of the most common factors utilized by car insurance companies to help set your prices.

  • Drive lots and pay more – The more you drive every year the more you’ll pay to insure your vehicle. A lot of companies rate vehicles determined by how the vehicle is used. Vehicles that sit idle most of the time qualify for better rates than those used for commuting. It’s a good idea to make sure your insurance coverage policy correctly shows the right rating data, because it can save money. A policy that improperly rates your Navigator can cost quite a bit.
  • Liability protection limits should be high – Liability coverage will protect you if ever you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. It is affordable coverage compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Age of drivers impacts costs – Youthful drivers have a tendency to be inattentive and easily distracted when driving so they pay higher insurance coverage rates. Older drivers are shown to be more cautious, file fewer claims and receive fewer citations.
  • Policy add-ons add up – There are many extra coverages that may not really be needed on your Navigator policy. Insurance for things like rental car coverage, high-cost glass coverage, and motor club memberships may be costing you every month. You may think they are a good idea when deciding what coverages you need, but if they’re wasting money eliminate them to save money.
  • High credit scores equal low costs – Having a bad credit score is a big factor in determining what you pay. Insureds that have high credit scores tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit score is not that good, you could pay less to insure your 2003 Lincoln Navigator by spending a little time repairing your credit.
  • High comp and collision deductibles cost less – Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Examples of covered claims are collision with another vehicle, collision with an animal, and damage from a fallen tree branch. Physical damage deductibles are the amount of money the insured will be required to pay if a claim is determined to be covered. The more of the claim you choose to pay out-of-pocket, the lower your rates will be for Navigator insurance.
  • A lpolicy lapse is a bad thing – Allowing your insurance coverage policy to lapse will be a guaranteed way to increase your insurance coverage rates. In addition to paying higher premiums, the inability to provide proof of insurance might get you fines and jail time. You will then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Save money with alarm systems – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder vehicle theft.

What is the best insurance coverage coverage?

When it comes to buying coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • What discounts do I qualify for?
  • How can I get high-risk coverage after a DUI?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my policy pay for OEM or aftermarket parts?
  • When should I drop full coverage on my 2003 Lincoln Navigator?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverage basics

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.

Liability car insurance

This can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles, structural damage, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Collision protection

Collision coverage pays for damage to your Navigator resulting from colliding 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 insurance covers claims like crashing into a ditch, sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2003 Lincoln Navigator.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, vandalism and hail damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses such as surgery, hospital visits and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Never pay more for less

When shopping online for insurance, don’t be tempted to reduce needed coverages to save money. In too many instances, consumers will sacrifice collision coverage only to regret at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

Cost effective 2003 Lincoln Navigator insurance can be sourced both online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not have online quoting and these smaller companies prefer to sell through local independent agencies.

In this article, we presented some good ideas how you can lower your 2003 Lincoln Navigator insurance car insurance rates. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from the smaller companies. These companies often have lower premium rates on specific markets compared to the large companies like Progressive and GEICO.

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