No car owner looks forward to buying car insurance, especially when it costs too dang much.
Numerous insurance companies battle for your insurance dollar, so it can be very hard to choose a insurer and get the definite best rate
If you have car insurance now, you will be able to reduce your rates substantially using these methods. Buying car insurance is quite easy. Although car owners can benefit from knowing how the larger insurance companies price online insurance.
Insurance can cost an arm and a leg, but you might find some hidden discounts to reduce the price significantly. Some of these disounts will be visible at the time of quoting, but a few must be asked for before they will apply.
Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic.
A list of companies and some of their more popular discounts can be read below.
If you are trying to find affordable insurance coverage quotes, ask each company which discounts you qualify for. All car insurance discounts might not be available to policyholders in every state.
When choosing coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions might point out if your situation might need an agent’s assistance.
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
Respected companies like Allstate, Geico and Progressive seem to constantly run television, radio, and online ads. All the companies make the same claim about how much you will save if you get a free insurance coverage quote and switch your coverage. How does each company sell you cheaper insurance coverage? Just pay attention to how they say it.
Many companies offer their best rates for a prospective insured that will most likely be profitable. For example, this type of insured may need to be married and over the age of 30, has a clean driving record, and has excellent credit. Someone who meets those qualifications receives the best premium rates and will probably save a lot of money.
People who are not a match for this ideal profile will get more expensive rates with the end result being business going elsewhere. The trick is to say “drivers who switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can make the claims of big savings. This emphasizes why drivers should compare rate quotes every year. Because without a comparison, you cannot know the company that will fit you best based on your risk profile.
Understanding the coverages of your insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.
Collision insurance
Collision coverage covers damage to your Navigator resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as rolling your car, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Comprehensive insurance
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like a tree branch falling on your vehicle, a broken windshield and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Auto liability insurance
Liability insurance will cover injuries or damage you cause to people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against things such as pain and suffering, medical services, medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like funeral costs, doctor visits and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Lincoln Navigator.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Some companies may not have rate quotes online and usually these small insurance companies only sell through independent agents. Lower-priced car insurance can be purchased both online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.
We covered a lot of techniques to compare 1999 Lincoln Navigator insurance auto insurance rates online. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. You may even find the most savings is with the smaller companies. They may only write in your state and offer lower premium rates than their larger competitors like Allstate and Progressive.
When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.
Additional detailed information is available in the articles below:
Mai Bartlett
From a town just southwest of Davenport, IA. Got car insurance quotes from GEICO, Amica, Esurance, and GMAC for my Navigator and saved $82 a year. Did it all online. I only have liability coverage on it.
Penney Mueller
Liked the article. I live just to the south of Columbus, Georgia. I quoted with Travelers, AIG Insurance, GMAC, and Safeco for my Navigator and I’m now saving $20 a month. Left Mercury to switch. Good multi-policy discounts.
Faith Wynn
Quoted with Erie for my Navigator and saved around $70 a year. Insured with Safeco before. I have a teen driver too. Not sure if rates are cheaper online or not.
Frederica Gallagher
IT’S ALL TOO EXPENSIVE! I’m just east of Cincinnati, OH. Got car insurance prices from USAA, AIG Insurance, Hanover, and Mercury for my Navigator and I think I cut my rates about $10 each month. Full coverage costs too much.
Hailey Clements
I got decent rates for a 1999 Lincoln Navigator in Chesapeake, VA. Ended up at roughly $100 every six months with American Family. Was with Amica. I think they have home insurance too. They were helpful in switching over.
Jung Mitchell
Live in the northern part of Rochester, MN and for me Allstate had the lowest quote.
Mac Stuart
Do I have to have car insurance in Michigan?
Allyson Reilly
Live in New York City, NY. Can’t remember who all I quoted but I ended up saving about $30 each month. Teenage drivers are expensive! It never hurts to quote around. I only have liability coverage on it.