Cheap 2016 Lincoln Navigator Insurance Rates

Want cheaper insurance rates for your Lincoln Navigator? Nobody I know fancies paying their premiums for insurance, especially knowing the prices are way too high.

Drivers have many insurers to insure vehicles with, and although it’s nice to have multiple companies, so many choices can make it hard to get the best deal.

Consumers should take time to get comparison quotes as often as possible because prices are adjusted regularly by insurance companies. Even if you got the lowest price for Navigator insurance a year ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance because you’re going to learn one of the quickest ways to lower your annual insurance bill.

The purpose of this article is to help you learn the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. But vehicle owners benefit from understanding how the larger insurance companies price online insurance because it can help you find the best coverage.

Take advantage of every insurance coverage discount

Companies do not advertise the entire discount list very clearly, so the following is a list of both well-publicized as well as some of the hidden credits available to you. If you don’t get every credit possible, you could be getting lower rates.

  • Telematics Data – Insureds who allow their company to track vehicle usage remotely like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they show good driving skills.
  • Senior Citizens – Drivers over the age of 55 may be able to get a slight reduction on a insurance quote for Navigator insurance.
  • ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and the ABS can save up to 10%.
  • Early Payment Discounts – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Multi-policy Discount – When you combine your home and auto insurance and insure them both with the same insurance company you may save approximately 10% to 15%.
  • Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles with one company qualifies for this discount.

Don’t be shocked that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, it’s just not the way it works.

Larger insurance coverage companies and their offered discounts are detailed below.

  • Progressive offers discounts including multi-policy, online quote discount, homeowner, good student, online signing, continuous coverage, and multi-vehicle.
  • GEICO offers discounts for membership and employees, multi-vehicle, federal employee, five-year accident-free, driver training, defensive driver, and military active duty.
  • State Farm policyholders can earn discounts including multiple policy, accident-free, good student, safe vehicle, driver’s education, anti-theft, and student away at school.
  • Esurance may have discounts that include multi-car, anti-theft, multi-policy, online shopper, good student, online quote, and Switch & Save.
  • The Hartford has discounts for air bag, bundle, anti-theft, vehicle fuel type, good student, and defensive driver.

Before purchasing a policy, check with every insurance company which discounts can lower your rates. Some discounts listed above may not be offered in your area.

How your Navigator insurance premiums are determined

Many different elements are taken into consideration when premium rates are determined. Some are obvious like your driving record, although others are not quite as obvious such as whether you are married and annual miles driven.The best way to find cheaper car insurance is to take a look at a few of the rating criteria that help calculate the level of your policy premiums. If you have some idea of what determines premiums, this enables informed choices that could help you find much lower annual insurance costs.

Shown below are some of the major factors utilized by car insurance companies to help set prices.

  • Drive less and get lower premiums – The more you drive each year the higher your rates will be. Many insurance companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage receive better premium rates than vehicles that have high annual mileage. An incorrectly rated Navigator may be costing you higher rates. Double check that your car insurance coverage properly reflects annual mileage.
  • Credit rating impact car insurance costs – Having a bad credit rating factor in calculating your car insurance rates. Therefore, if your credit rating can use some improvement, you may save money insuring your 2016 Lincoln Navigator by taking the time to improve your credit score. Insureds with very good credit scores tend to be more responsible than drivers who have worse credit.
  • Extra policy coverages can add up – There are many extra add-on coverages that can waste your money when buying car insurance. Coverages like rental car reimbursement, death and dismemberment, and extra life insurance coverage are some examples. They may sound like good ideas initially, but if they’re wasting money get rid of them and save.
  • Higher premiums for demanding vocations – Do you work in a high-stress field? Occupations like real estate brokers, business owners and accountants have higher premiums than the average policyholder because of job stress and incredibly demanding work hours. Other occupations like farmers, engineers and performers have lower than average premiums for Navigator insurance.

How to know if you need help

When it comes to buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. For example, these questions might help in determining if you could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • When should I remove comp and collision on my 2016 Lincoln Navigator?
  • How can I get high-risk coverage after a DUI?
  • How much can I save by bundling my policies?
  • When should I buy a commercial auto policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverages for a 2016 Lincoln Navigator

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages offered by insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for chiropractic care, prosthetic devices, nursing services and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lincoln Navigator.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance

This coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like bail bonds, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

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

Comprehensive coverage protects against claims like theft, hitting a deer and vandalism. The maximum payout 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 it’s not worth carrying full coverage.

Save your hard earned cash

While you’re price shopping online, do not reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at the best cost, but do not skimp to save money.

Some insurance providers may not have online rate quotes and many times these small insurance companies provide coverage only through independent agencies. Cheaper insurance is available both online in addition to local insurance agencies, so you should compare both to have the best rate selection.

Much more information about insurance can be read at the links below