2001 Lincoln Navigator Insurance Quotes – 5 Discounts for Cheapest Rates

Searching for better insurance rates for your Lincoln Navigator? Locating better insurance prices for a Lincoln Navigator could be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to buy insurance so you’re going to learn the proper way to get price quotes for a Lincoln and obtain the best price possible from both online companies and local agents.

Affordable auto insurance quotes online

Getting a cheaper price on 2001 Lincoln Navigator insurance isn’t really that difficult. You just need to spend a few minutes on the computer getting comparison quotes to find the company with inexpensive auto insurance quotes. You can get a good selection of rate quotes in just a few minutes using one of these methods.

1. The recommended way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating repetitive form entry for each price estimate. One quote request will return quotes direct from many companies. It’s the fastest way to compare.
2. A more time consuming way to compare prices requires a trip to each company’s website and complete a new quote form. For examples sake, let’s assume you want to get rates from Allstate, 21st Century and American Family. To get rate quotes you would need to spend time going to each site individually and enter your information, and that’s why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

3. The least recommended method to do your price quoting is actually driving to and from local insurance agencies. Comparing online rate quotes makes this unnecessary unless your situation requires the professional advice of a local agent. You can, however, price shop online and still use a local agent.

It doesn’t matter which method you choose, just try to keep exactly the same coverages with every price quote. If the quotes have mixed coverages it’s impossible to determine which rate is truly the best.

Take advantage of every insurance coverage discount

Some providers don’t list the complete list of policy discounts in an easy-to-find place, so the next list breaks down both well-publicized and the more hidden credits available to lower your premiums when you buy auto insurance online. If you do not check that you are getting every discount possible, you could be paying more than you need to.

• Telematics Data Discounts – Policyholders that allow companies to spy on driving habits by using a telematic data system such as Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
• Discounts for Responsible Drivers – Drivers without accidents can save up to 40% or more on their auto insurance quote on Navigator coverage than less cautious drivers.
• Resident Student – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.
• Smart Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
• Renewal Discounts – Some insurance coverage companies reward drivers for switching policies prior to your current policy expiring. It’s a savings of about 10%.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

Auto insurance companies that may include these benefits possibly include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you need the cheapest auto insurance quotes, ask each insurance company to apply every possible discount. A few discounts might not be offered on policies in your area. To choose insurance companies with significant discounts, click here to view.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether you would benefit from an agent’s advice.

• Do I need to file an SR-22 for a DUI in my state?
• Is other people’s property covered if stolen from my vehicle?
• Do I need PIP coverage since I have good health insurance?
• Am I covered when driving a rental car?
• Is my cargo covered for damage or theft?
• Exactly who is provided coverage by my policy?

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. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Learn about insurance coverages for a 2001 Lincoln Navigator

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Auto liability – This can cover damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values 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 can pay for claims like legal defense fees, medical expenses, repair bills for other people’s vehicles, structural damage and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive insurance – This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from flooding and hail damage. The maximum payout 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.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like chiropractic care, funeral costs, EMT expenses and dental work. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverages – This covers damage to your Navigator resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, driving through your garage door, rolling your car, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Compare but don’t skimp

Drivers change insurance companies for many reasons like extreme rates for teen drivers, high rates after DUI convictions, poor customer service and denial of a claim. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

When searching for low cost auto insurance quotes, you should never buy lower coverage limits just to save a few bucks. Too many times, someone dropped comprehensive coverage or liability limits and learned later that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at the best possible price, but do not skimp to save money.

We just covered a lot of ways to lower your 2001 Lincoln Navigator insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheaper auto insurance. You may even discover the biggest savings come from the least-expected company.

Other resources

• Information for Teen Drivers (Geico)
• Neck Injury FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Understanding your Policy (NAIC.org)