2009 Lincoln Navigator Insurance Rates

Searching for lower insurance rates? Consumers have a choice when looking for affordable Lincoln Navigator insurance. You can either spend your time calling around to compare prices or use the internet to find the lowest rates. There is a better way to shop for insurance so you’re going to learn the proper way to compare rates for your Lincoln and find the lowest possible price from local insurance agents and online providers.

It’s a good habit to compare premium rates quite often since insurance prices are rarely the same from one policy term to another. Even if you got the best price for Navigator insurance at your last renewal you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to find out the best methods to eliminate unnecessary coverages and save money.

Compare auto insurance quotes

There are a variety of methods to shop for auto insurance, but there is one way that is more efficient than others. You could waste a few hours driving to insurance companies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many companies participate in a marketplace where prospective buyers complete one form, and every company then returns a price quote for coverage. This system prevents you from having to do quotation requests to each company. To compare rates using this form now click here (opens in new window).

One minor caviat to using this type of system is you can’t choose which companies to get quotes from. So if you prefer to pick individual companies to request quotes from, we have a listing of companies who write auto insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but compare the exact same information with every price quote. If you are comparing different values for each quote you will not be able to make a fair comparison for your Lincoln Navigator.

Lower rate quotes by taking advantage of discounts

Insurance coverage can be pricey, but there could be significant discounts that can dramatically reduce your bill. Most are applied at the time you complete a quote, but a few must be manually applied in order for you to get them.

  • ABS Brakes – Cars with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Club Memberships – Being in a professional or civic organization could qualify you for a break on your bill.
  • Pay Early and Save – By paying your policy upfront as opposed to paying monthly you could save up to 5%.
  • Sign Online – Certain insurance coverage companies give back up to $50 just for signing your application over the internet.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
  • One Accident Forgiven – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide before they charge you more for coverage if you are claim-free for a set time period.
  • Bundled Policy Discount – When you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Driver Safety – Taking a course teaching defensive driving skills could save 5% or more and make you a better driver.
  • Passive Restraints and Air Bags – Factory air bags can receive discounts of up to 25% or more.
  • Mature Driver Discount – Drivers over the age of 55 may be able to get a slight reduction on a auto insurance quote for Navigator insurance.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will reduce your overall premium however.

If you would like to choose from a list of insurance companies with significant discounts, click here to view.

How much car insurance do I need?

When it comes to choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.

For example, these questions may help highlight whether or not you could use an agent’s help.

  • Should I buy full coverage?
  • How can I find cheaper teen driver insurance?
  • Is my cargo covered for damage or theft?
  • What can I do if my company won’t pay a claim?
  • When can I cancel my policy?
  • Why am I required to buy high-risk coverage?
  • Should I get collision insurance on every vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Is my state a no-fault state?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Auto liability – This provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims like emergency aid, medical expenses and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Collision coverages – This will pay to fix damage to your Navigator resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, crashing into a ditch, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, fire damage and vandalism. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as ambulance fees, nursing services, EMT expenses, dental work and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage