How Much Does 2011 Lincoln Navigator Insurance Cost?

No one in their right mind likes having to buy insurance coverage, in particular when the cost is too high.

Big companies like State Farm, GEICO and Farmers Insurance constantly bombard you with ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

You need to compare prices on a regular basis because insurance coverage prices are variable and change quite frequently. Even if you got the best rates on Navigator insurance last year other companies may now be cheaper. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the fastest way to find better coverage at a better price.

If you have car insurance now, you should be able to cut costs considerably using these methods. Finding affordable coverage is not rocket science. But consumers do need to learn how insurance companies determine prices because it can help you find the best coverage.

Car insurance discounts help reduce rates

Companies offering auto insurance do not advertise the complete list of policy discounts very well, so the following list contains some of the more common and the more hidden credits that you can use to lower your rates.

  • Buy New and Save – Putting car insurance coverage on a new car can get you a discount because newer vehicles are generally safer.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premium rates.
  • College Student Discount – Kids who are attending college and leave their car at home may be able to be covered for less.
  • Save with More Vehicles Insured – Buying a policy with several vehicles on one policy can get a discount on all vehicles.
  • Passive Restraints and Air Bags – Options like air bags could see savings of 25 to 30%.
  • Theft Deterent – Vehicles that have factory anti-theft systems help deter theft and will qualify for a discount on a auto insurance quote.
  • Discounts for Cautious Drivers – Accident-free drivers may receive a discount up to 45% on Navigator insurance than their less cautious counterparts.
  • Membership in Organizations – Affiliation with certain professional organizations could earn you a nice discount on your next renewal.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, that’s just not realistic.

Some companies that may include these money-saving discounts possibly include:

Check with each company or agent how many discounts you can get. Savings may not apply to policyholders in every state. If you would like to choose from a list of companies who offer free car insurance quotes, click this link.

How insurance providers calculate Lincoln Navigator insurance prices

Lots of things are part of the calculation when you get a price on insurance. Some are obvious such as your driving history, but some are more obscure such as your credit history and annual miles driven.Part of the auto insurance buying process is learning some of the things that help determine auto insurance rates. If you have a feel for what determines premiums, this enables informed choices that will entitle you to much lower annual insurance costs.

  • Does auto insurance cost less for women? – Statistics have proven that females tend to be a little less risky than males. However, this does not mean men are worse drivers. Men and women get in fender benders in similar numbers, but males have accidents that have higher claims. Men also tend to get cited for more serious violations like DUI and reckless driving. Young males are most likely to cause an accident so it costs more to insure them.
  • Low stress occupation equals lower prices – Do you have a high-stress occupation? Jobs like real estate brokers, social workers and financial analysts generally pay the highest rates due to intense work situations and extremely grueling work hours. Other professions such as actors, students and homemakers pay the least on Navigator insurance.
  • Continuous coverage lowers prices – Not maintaining insurance is a misdemeanor and as a result your rates will increase for letting your insurance coverage expire. Not only will rates go up, failure to provide proof of insurance could result in fines and jail time.
  • Liability insurance – Your policy’s liability coverage is the protection in the event that you are ruled to be at fault for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should carry high limits.
  • Multiple policies with one company – Lots of auto insurance companies apply lower prices to buyers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, drivers will still want to compare rates to confirm you are receiving the best rates possible.
  • Mileage impacts costs – The higher the miles on your Lincoln in a year’s time the higher the price you pay to insure it. A lot of companies rate vehicles based upon how you use the vehicle. Cars and trucks that do not get driven very much can get a lower rate compared to those used for work or business. It’s a smart idea to ensure your auto insurance policy reflects the correct usage for each vehicle, because it can save money. An incorrectly rated Navigator is just wasting money.

Which is the best insurance coverage?

When it comes to choosing adequate coverage, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation might need an agent’s assistance.

  • Is my teenager covered with friends in the car?
  • Is my ex-spouse still covered by my policy?
  • Who is covered when they drive my 2011 Lincoln Navigator?
  • Is extra glass coverage worth it?
  • Is a fancy paint job covered?
  • I have a DUI can I still get coverage?
  • How high should my medical payments coverage be?
  • Do I pay less if my vehicle is kept in my garage?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

The insurance coverage bait and switch

Well-known insurance coverage companies like Allstate, GEICO and Progressive consistently run television and radio advertisements. All the ads try to convey promises about saving some big amount if you switch your policy. How is it possible that every company can say the same thing? Here is the trick they use.

Companies look for specific characteristics for the type of driver that will be a good risk. A good example of a profitable customer might be over age 30, has never had a policy lapse, and does not commute to work. A customer getting a price quote that meets those criteria gets the lowest premium rates and will probably cut their rates if they switch.

Insureds who don’t measure up to these stringent criteria may be forced to pay a higher rate and business not being written. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” can get the lowest rates when switching. That is how companies can truthfully make it sound like they have such great car insurance rates. Because every company is different, drivers should get auto insurance quotes as often as possible. It is impossible to predict which insurance companies will have the lowest rates.

Coverage specifics

Knowing the specifics of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Auto collision coverage

This coverage will pay to fix damage to your Navigator resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Auto liability

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, repair costs for stationary objects, medical expenses and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, fire damage, hitting a deer and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as pain medications, funeral costs and surgery. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

In any little way, save everyday

In this article, we covered many ways to compare 2011 Lincoln Navigator insurance car insurance rates online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a small local company. Smaller companies can often provide lower premium rates in certain areas than their larger competitors like Progressive and GEICO.

Budget-conscious 2011 Lincoln Navigator insurance can be purchased from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide internet price quotes and usually these smaller providers provide coverage only through local independent agents.

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