2008 Lincoln Navigator Car Insurance Rates

Want the cheapest insurance rates for your Lincoln Navigator? Sick and tired of scraping the payment together to pay insurance each month? You have the same problem as millions of other consumers.

Companies like Allstate, Liberty Mutual and State Farm promote their brand names with catchy ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

How to buy auto insurance online

To find low cost rates, there are a couple of ways of comparing price quotes from many auto insurance companies in your state. The simplest method to compare rates is to jump online and get quotes. This can be done in a couple minutes as outlined below.

The most recommended method to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate forms for every prospective company. One quote request gets insurance cost estimates instantly.

A more difficult way to analyze rates requires a trip to the website of each company to complete their respective quote request forms. For instance, let’s say you want to view quotes from Auto-Owners, Allstate and Farmers. You would have to spend time going to each site individually to input your insurance information, which is not fast way to get rate quotes. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just try to keep apples-to-apples coverages and limits on every price quote you get. If you use differing limits you can’t possibly make a fair comparison for your Lincoln Navigator. Just slight variations in insurance coverages can make a big difference in price. Just keep in mind that comparing a large number of companies will improve the odds of getting a lower rate. Not every company does online quotes, so you need to compare quotes from them as well.

Insurance coverage policy discounts

Auto insurance companies do not list the entire discount list very clearly, so here is a list a few of the more well known as well as the least known credits available to you.

• Telematics Discount – Policyholders that allow companies to study vehicle usage by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they show good driving skills.
• Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% on Navigator insurance compared to accident prone drivers.
• Professional Memberships – Participating in a qualifying organization could qualify you for a break on your policy.
• Theft Prevention System – Vehicles that have factory anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Accident Forgiveness Coverage – but a few companies such as State Farm, Progressive and Geico will forgive one accident before they charge you more for coverage if your claims history is clear for a set time period.
• Discounts for New Vehicles – Putting insurance on a new car can save you some money since newer vehicles have better safety ratings.
• Air Bags and Passive Restraints – Options like air bags may earn rate discounts as much as 30%.

Don’t be shocked that most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you could get a free insurance coverage policy, you won’t be that lucky.

Insurance companies that may offer quotes with some of the discounts shown above may include but are not limited to:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

When getting a coverage quote, ask each insurance company the best way to save money. Some of the earlier mentioned discounts may not apply to policies in your area. To view providers who offer online insurance coverage quotes, click here.

How do I know if I need professional advice?

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

• Am I better off with higher deductibles on my 2008 Lincoln Navigator?
• Should I buy additional glass protection?
• When do I need to add a new car to my policy?
• Should I have combined single limit or split liability limits?
• What is UM/UIM insurance?
• What vehicles should carry emergency assistance coverage?
• What can I do if my company denied a claim?
• Can I afford low physical damage deductibles?
• Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Six factors that influence insurance premiums

The best way to find cheaper car insurance is to take a look at the different types of things that help calculate the price you pay for car insurance. When you understand what controls the rates you pay, this allows you to make good choices that could help you find big savings.

The items below are some of the things used by insurance companies to determine your rates.

• Pay less with a high IIHS safety rating – Vehicles with high crash test scores tend to have lower insurance rates. Safe vehicles protect occupants better and reduced instances of injuries means your insurance company pays less passed on to you as lower rates. If your Lincoln earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Low credit score equals high prices – Credit rating will be a significant factor in calculating your car insurance rates. People that have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores. Therefore, if your credit score is not that good, you could save money insuring your 2008 Lincoln Navigator by spending a little time repairing your credit.
• Gender as a rate factor – The statistics show that women are safer drivers than men. It does not mean women are better drivers. Both genders get in auto accidents in similar percentages, but the male of the species get into accidents with more damage. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
• Pleasure use saves money – The higher the mileage driven in a year’s time the more you’ll pay to insure it. Most companies calculate rates based on how the vehicle is used. Vehicles that do not get driven very much can get a lower rate compared to those used for work or business. It’s always a good idea to double check that your vehicle rating shows the correct driver usage, because improper ratings can cost you money. A policy that improperly rates your Navigator can result in significantly higher rates.
• Always keep your policy in place – Allowing your car insurance policy to lapse is a sure-fire way to drive up your policy premiums. Not only will you pay more, being ticketed for driving with no insurance could result in a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
• Marriage is a factor – Your spouse may save some money compared to being single. Marriage translates into being more mature and responsible and insurance companies like that married couples file fewer claims.

But they said I’d save $413 a year!

Well-known insurance companies like Allstate, Geico and Progressive consistently run ads on television and other media. They all seem to make the point that drivers can save some big amount if you switch to them. How does every company charge you a lower premium? It’s all in how they say it.

All the different companies have specific guidelines for the type of insured that will most likely be profitable. An example of a profitable insured may need to be over the age of 40, has other policies, and drives less than 5,000 miles a year. A driver that matches those criteria will most likely get cheap car insurance rates and will probably save a lot if they switch.

People who do not match these stringent criteria may be required to pay higher premium rates which leads to the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can make those claims.

This really emphasizes why it is so important to get as many free car insurance quotes as possible. Because without a comparison, you cannot know which company will have the lowest rate quotes.

Insurance policy specifics

Having a good grasp of insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage, a tree branch falling on your vehicle and hitting a bird. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like structural damage, emergency aid, repair bills for other people’s vehicles, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, pain medications, prosthetic devices and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2008 Lincoln Navigator.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

This will pay to fix damage to your Navigator caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Affordable insurance is out there

We covered a lot of techniques to get a better price on 2008 Lincoln Navigator insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from the smaller companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

Some insurance companies do not offer the ability to get a quote online smaller companies work with independent insurance agents. Lower-priced insurance can be sourced online as well as from independent agents, and you should be comparing both so you have a total pricing picture.

More information is located on the following sites:

• Teen Driver Statistics (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Understanding Limits and Deductibles (Allstate)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)