Lower Your 2007 Lincoln Navigator L Car Insurance Quotes

Drivers have many options when trying to find the best price on Lincoln Navigator L insurance. You can either waste hours driving around to compare prices or utilize the internet to find the lowest rates. There are more efficient ways to compare car insurance rates and you need to know the absolute fastest way to compare rates for your Lincoln and obtain the cheapest rates from both online companies and local agents.

Consumers need to take a look at other company’s rates at least once a year because prices change frequently. Even if you think you had the lowest rate on Navigator L coverage a couple years back you may be paying too much now. You can search a lot of car insurance online, but in this article, you’re going to get some excellent ideas to lower your car insurance bill.

Are you receiving every discount?

Buying auto insurance is not cheap, but you might find some hidden discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at the time of purchase, but lesser-known reductions have to be specifically requested before they will apply.

  • Homeowners Discount – Just being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% on medical payment and PIP coverage.
  • Driving Data Discount – Drivers who agree to allow driving data collection to study where and when they drive by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they have good driving habits.
  • Distant Student – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
  • Good Student Discount – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up to age 25.

You should keep in mind that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.

Some of the insurance companies that may offer policyholders these money-saving discounts include:

When comparing rates, check with every insurance company how you can save money. All car insurance discounts might not apply in your area. To see auto insurance companies who offer cheap auto insurance quotes, click here.

How to shop auto insurance online

Getting a cheaper price on 2007 Lincoln Navigator L insurance is surprisingly easy. Just spend a few minutes comparing rate quotes from different insurance companies. It’s really simple and can be done in several different ways.

One of the best ways to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do boring form submissions for each price estimate. Completing one form gets you coverage quotes from auto insurance companies with the best prices. Just one form and you’re done.

Another way to find more affordable insurance is going to each company website and repeat the quote process. For instance, let’s assume you want to view quotes from Geico, Progressive and American Family. In order to get each rate, you would have to navigate to each company’s site to input your insurance information, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The least efficient and most time consuming method to compare price estimates is calling or driving to insurance agents’ offices. Shopping for auto insurance online has reduced the need for local agents unless your situation requires the personal advice of a local agency. However, consumers can compare online quotes and have a local agent actually service the policy.

It’s your choice how you get your quotes, but make sure you use exactly the same deductibles and coverage limits on every price quote you get. If you are comparing different deductibles it’s impossible to make an equal comparison.

When in doubt talk to an agent

When it comes to buying the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • How much liability coverage do I need in my state?
  • How do I insure my teen driver?
  • Does coverage extend to Mexico or Canada?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if hit by an uninsured driver?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Why am I required to buy high-risk coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When should my teen driver be added to my policy?
  • Am I covered if I hit a deer?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Coverage specifics

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from flooding, a broken windshield and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like doctor visits, pain medications and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your Navigator L resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. 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 injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as loss of income, pain and suffering, emergency aid, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

You can do this!

As you quote insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

There are still a few companies who may not have online quoting and many times these regional carriers work with independent agents. More affordable car insurance can be found from both online companies as well as from independent agents, and you should compare rates from both to have the best rate selection.

Drivers who switch companies do it for a number of reasons such as delays in responding to claim requests, denial of a claim, not issuing a premium refund or delays in paying claims. Regardless of your reason, choosing a new company can be less work than you think.

Additional car insurance information can be found on the following sites:

Comments About 2007 Lincoln Navigator L Insurance

  1. Sharyl Hendricks

    Will State Farm cancel me if I have an accident?

  2. Bernarda Benton

    I’m in the west part of Spokane, WA. Went online for free insurance quotes for a 2007 Lincoln Navigator L. Ended up at about $310 savings annually. Went with State Farm. I used their online quote form to compare rates.

  3. Wilber Sears

    I’m in Bangor, ME. Got prices from USAA, Amica, Hartford, and Sentry for my Lincoln and saved $115 a year.

  4. Margareta Ewing

    Any Progressive or Erie customers near Greensboro, NC?

  5. Nu Puckett

    If you don’t have tickets and are close to Cranston, RI, check out Progressive. You might save some money. I even had a DUI years ago.

  6. Stephan Dominguez

    If you have a good history and live near Minneapolis, Minnesota, check out State Farm. I saved quite a bit. Was with Progressive. I have kids on my policy, too. Still almost need a second mortgage.

  7. Lucina Mccarty

    Does Progressive insure teenage drivers?

  8. Sharda David

    Are custom wheels covered by insurance?