Lower Your 2008 Lincoln Navigator L Insurance Cost

Looking for lower auto insurance rates for your Lincoln Navigator L? Are you overwhelmed by the sheer number of auto insurance choices? Drivers have such a vast assortment of choices available that it can easily turn into a challenge to lower your premium rates.

Discounts for cheap car insurance rates

Insurance can cost an arm and a leg, but there could be available discounts to reduce the price significantly. Many discounts should be triggered at quote time, but some need to be manually applied before you will receive the discount.

• Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off for Navigator L coverage with some car insurance companies.
• Theft Deterent Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance quote.
• Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.
• Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase some life insurance too.
• Safe Drivers – Insureds without accidents can save up to 40% or more on their insurance quote for Navigator L coverage than drivers with accidents.
• Passenger Safety Discount – Factory options such as air bags may qualify for discounts up to 30%.
• Claim-Free Discount – Insureds who avoid accidents and claims can save substantially as compared to policyholders that have many claims.
• E-sign Discounts
• Drive Less and Save – Fewer annual miles on your Lincoln may enable drivers to earn better rates on cars that stay parked.
• Memberships – Belonging to a civic or occupational organization is a good way to get lower rates on your next renewal.

Drivers should understand that most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you can get free auto insurance, it doesn’t quite work that way.

Companies that may offer policyholders these benefits include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

Before buying, ask all companies you are considering which discounts they offer. Discounts might not apply in your state. If you would like to view insurance companies that offer some of these discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether your personal situation might need an agent’s assistance.

• Can I still get insurance after a DUI?
• If my 2008 Lincoln Navigator L is totaled, can I afford another vehicle?
• Does my insurance cover damage caused when ticketed for reckless driving?
• When can I cancel my policy?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is a blown tire covered by insurance?
• Is my teen driver covered when they drive my company car?
• Am I covered when driving someone else’s vehicle?
• Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Well known brands might not be cheapest

21st Century, Allstate and State Farm regularly use ads on TV and radio. All the ads make the same claim about saving some big amount if you change to them. But how can every company charge less that you’re paying now? It’s all in the wording.

Companies are able to cherry pick for the type of driver that will generate a profit. One example of a profitable risk profile could possibly be over the age of 50, has no driving citations, and drives a safe vehicle. Any driver who meets those qualifications will most likely get cheap premium rates and will most likely save quite a bit of money when switching.

Insureds who don’t measure up to this ideal profile may be required to pay more expensive rates and the customer not purchasing. The ad wording is “drivers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully claim big savings. Because of the profiling, drivers must do a rate comparison at every renewal. It’s just not possible to know which company will fit your personal profile best.

Specifics of your auto insurance policy

Knowing the specifics of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 2008 Lincoln Navigator L.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, vandalism, theft and rock chips in glass. 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 consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for things like surgery, dental work, prosthetic devices, chiropractic care and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

This coverage covers damage to your Navigator L caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, colliding with another moving vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability

This coverage can cover damages or injuries you inflict on other people or property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: 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 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Saving money is sweet as honey

Cost effective 2008 Lincoln Navigator L insurance can be bought on the web as well as from insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and most of the time these smaller companies work with independent agencies.

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, someone dropped liability coverage limits only to regret they didn’t have enough coverage. Your aim should be to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of techniques to save on 2008 Lincoln Navigator L insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a small mutual company.

More detailed car insurance information is located at these sites:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• All About Airbag Safety (State Farm)
• Tools for Teen Driving Safety (State Farm)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)