2002 Lincoln Navigator Insurance Cost – 10 Tips to Save

Looking for cheaper car insurance rates for your Lincoln Navigator? Consumers who are new to comparison shopping online will find locating cheaper insurance is very challenging.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. This information will help you learn the best way to quote coverages. But car owners should learn the way companies sell online and take advantage of how the system works.

First Step: Get free car insurance quotes

There are a variety of methods to compare car insurance quotes, but one way is less time-consuming than others. You can waste hours talking to insurance agencies in your area, or you can stay home and use online quoting to get prices fast.

All the larger companies participate in a marketplace that allows shoppers to enter their policy data once, and each company then gives them pricing based on that information. This prevents consumers from doing quotation requests for each company you want a rate for. To submit your quote information now, click to open in new window.

The only downside to doing it this way is that consumers can’t choose the companies you want to price. So if you want to choose from a list of companies to request quotes from, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure you’re using equivalent coverage limits on every quote. If the quotes have higher or lower deductibles you will not be able to determine which rate is truly the best. Slightly different coverage limits can result in a big premium difference. Keep in mind that having more price comparisons helps you find a lower rate than you’re paying now.

Discount auto insurance quotes

Auto insurance is expensive, but you might be missing out on some discounts that you may not know about. Many discounts should be triggered when you get a quote, but some may not be applied and must be asked for before you get the savings.

• Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
• Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% on Navigator insurance with select insurance companies.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
• Active Military Service – Having a deployed family member could trigger a small discount.
• Discount for Home Ownership – Owning a home can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
• Auto/Life Discount – Larger auto insurance companies have a small discount if you purchase life insurance from them.
• First Accident Forgiveness – but companies like Geico and Liberty Mutual may permit one accident before your rates go up so long as you haven’t had any claims for a set time period.
• Student in College – Youth drivers who live away from home to go to college and do not take a car to college can be insured at a reduced rate.
• Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
• Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts as much as 30%.

A little note about advertised discounts, some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

To find providers that offer some of these discounts, click here to view.

Tailor your insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions may help you determine whether or not you might need an agent’s assistance.

• Does my personal policy cover me when driving out-of-state?
• How much underlying liability do I need for an umbrella policy?
• Does coverage extend to Mexico or Canada?
• Is there coverage for injuries to my pets?
• Will I lose any money if I cancel my policy before it expires?
• Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage considerations

Understanding the coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability insurance

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as loss of income, attorney fees, structural damage, legal defense fees and medical services. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as X-ray expenses, surgery and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, hitting a bird, rock chips in glass, hitting a deer and hail damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision coverage covers damage to your Navigator from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2002 Lincoln Navigator.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

More choices the merrier

Drivers leave their current company for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, policy non-renewal or questionable increases in premium. Whatever your reason, finding a new insurance coverage company can be pretty painless.

You just read a lot of information how to get a better price on 2002 Lincoln Navigator insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheap insurance. Consumers could even find that the most savings is with an unexpected company.

Lower-priced 2002 Lincoln Navigator insurance is attainable from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance companies may not provide rates over the internet and these regional carriers work with local independent agencies.

Even more information is located in the articles below:

• All About Airbag Safety (State Farm)
• Learn About Car Insurance (Geico)
• Teen Driving Statistics (Geico)
• Insurance Losses by Make and Model (iihs.org)
• Rollover Crash FAQ (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)