2007 Lincoln Navigator Insurance Rates

Trying to find the cheapest auto insurance rates for your Lincoln Navigator? Do you get exhausted from sacrificing to pay your auto insurance bill each month? You have the same problem as many other drivers.

Numerous car insurance companies battle for your insurance dollar, so it’s not easy to compare every company to discover the definitive lowest rate

Consumers should take time to get comparison quotes quite often because insurance prices are usually higher with each renewal. If you had the lowest rate for Navigator coverage on your last policy you will most likely find a better premium rate today. Ignore everything you know about auto insurance because you’re about to find out the only way to save money, get proper deductibles and limits, all at the lowest rate.

How insurance providers calculate Lincoln Navigator insurance premiums

Consumers need to have an understanding of the rating factors that aid in calculating the rates you pay for auto insurance. When consumers understand what determines premiums, this enables informed choices that will entitle you to big savings.

The itemized list below are some of the most common factors that factor into your prices.

• Cheaper rates after marriage – Getting married may cut your premiums on auto insurance. Having a significant other may mean you are more financially stable and insurance companies reward insureds because married couples file fewer claims.
• Annual mileage and car insurance premiums – The more miles you rack up on your Lincoln each year the higher the price you pay to insure it. Most insurance companies calculate prices based on their usage. Cars and trucks that have low annual miles receive lower rates compared to those used for work or business. Improper usage on your Navigator is throwing money out the window. Ask your agent if your auto insurance policy properly reflects the correct usage, because it can save money.
• With age comes lower prices – Older drivers have been proven to be more responsible, file fewer claims and tend to be get fewer driving tickets.Beginning drivers are proven to be more careless when at the wheel of a vehicle therefore auto insurance rates are much higher.
• Eliminate incidental coverages – Insurance policies have a lot of additional extra coverages that can add up if you aren’t diligent. Coverages like replacement cost coverage, towing coverage, and extra equipment coverage may be costing you every month. They may sound like good ideas when buying your policy, but if you don’t need them consider taking them off your policy.
• High insurance claims frequency drives up prices – If you file claims often, you can pretty much guarantee higher rates. Auto insurance companies award better rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is intended for the large, substantial claims.
• Accidents are costly – Even one moving violation may increase your cost forty percent or more. Drivers who don’t get tickets get better prices compared to drivers with tickets. Drivers who have gotten multiple violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive.

Insurance companies offer many types of discounts

Car insurance is not cheap, but there could be significant discounts that you may not even know about. Larger premium reductions will be automatically applied when you purchase, but occassionally some discounts must be asked for before being credited.

• Government Employees – Employees or retirees of the government can earn a discount up to 10% for Navigator coverage with select insurance companies.
• Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new vehicles.
• Driving Data Discount – People who choose to allow data collection to monitor driving patterns remotely such as State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
• College Student – Kids who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
• Military Discounts – Being on active deployment in the military could be rewarded with lower insurance rates.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.

We need to note that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies that have these discounts are:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

Check with each insurance company how many discounts you can get. Savings might not be offered on policies in your state. To choose insurers that can offer you the previously mentioned discounts, click here to view.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions could help you determine whether your personal situation could use an agent’s help.

• What exactly is covered by my policy?
• When should I not file a claim?
• Do I have any recourse if my insurance company denies a claim?
• Are rock chip repairs covered?
• Are my friends covered when driving my 2007 Lincoln Navigator?
• How much can I save by bundling my policies?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

What auto insurance coverages do you need?

Learning about specific coverages of auto insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like nursing services, doctor visits, prosthetic devices and surgery. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as emergency aid, legal defense fees, repair costs for stationary objects, medical services and court costs. How much coverage you buy is up to you, but buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Lincoln Navigator.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, damage from getting keyed, hitting a deer and a broken windshield. The highest amount your auto insurance company will pay 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.

Collision coverage

This coverage covers damage to your Navigator caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

One last thing

We just presented a lot of tips how to reduce 2007 Lincoln Navigator insurance premium rates online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the most savings is with a small local company. These smaller insurers may only write in your state and offer lower prices than their larger competitors like Geico and State Farm.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and learned later that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

More detailed insurance information is located in these articles:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)