2009 Lincoln Navigator Car Insurance Rates – 8 Ideas for Cheapest Quotes

Searching for better auto insurance rates for your Lincoln Navigator? Buying lower priced auto insurance on the web might seem difficult for drivers that are relatively new to comparison shopping on the internet. When there are so many companies competing online, how can you possibly compare every one to find better auto insurance prices?

Auto insurance companies offer money-saving discounts

Some companies don’t always list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden credits available to lower your premiums when you buy insurance coverage online.

• Discount for Life Insurance – Select companies reward you with a discounted price on car insurance if you buy life insurance from them.
• Active Service Discounts – Having a deployed family member could qualify you for better auto insurance rates.
• ABS Brakes – Cars with ABS braking systems or traction control are safer to drive and therefore earn up to a 10% discount.
• Low Mileage Discounts – Keeping the miles down on your Lincoln could be rewarded with discounted prices on garaged vehicles.
• Good Student – A discount for being a good student can earn a discount of 20% or more. You can use this discount normally until age 25.
• Membership in Organizations – Having an affiliation with a professional or civic organization may earn a discount on your bill.
• Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• Data Collection Discounts – Drivers that enable their insurance company to track driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they show good driving skills.

One last thing about discounts, most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

A few popular companies and a summarized list of policyholder discounts are detailed below.

• Geico offers premium reductions for defensive driver, driver training, seat belt use, air bags, multi-vehicle, anti-theft, and military active duty.
• Travelers offers discounts including IntelliDrive, hybrid/electric vehicle, payment discounts, save driver, home ownership, driver training, and continuous insurance.
• Farm Bureau has savings for 55 and retired, multi-vehicle, good student, renewal discount, driver training, youthful driver, and safe driver.
• Liberty Mutual may have discounts that include multi-policy, new move discount, new graduate, multi-car, teen driver discount, and good student.
• American Family offers discounts for bundled insurance, accident-free, early bird, good driver, mySafetyValet, air bags, and Steer into Savings.
• Progressive discounts include homeowner, continuous coverage, good student, online quote discount, and multi-vehicle.

It’s a good idea to ask every insurance company which discounts they offer. Discounts might not be available to policyholders in your area. To locate companies who offer cheap auto insurance quotes, follow this link.

Buy insurance coverage online

To get cheap insurance coverage quotes, there a variety of ways to compare rate quotes from many insurance coverage companies in your state. One of the best ways to comparison shop is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.

1. Probably the best way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. Completing one form gets rate comparisons instantly. Just one form and you’re done.
2. A more time consuming way to find more affordable insurance is to take the time to go to the website for every company you want to comare and request a quote. For instance, we’ll pretend you want to see prices from USAA, Farmers and Travelers. You would have to go to every website and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.
3. The last method of comparing rate quotes is making phone calls or going to local insurance agencies. Doing it all online eliminates the middleman unless your situation requires the peace of mind that only a licensed agent can provide. Drivers can comparison shop online but have your policy serviced through an agent.

Whichever way you use, be certain you are entering exactly the same coverage data for each price quote. If you are comparing higher or lower deductibles you can’t possibly truly determine the lowest rate. Having just a slight variation in limits may result in a large different in cost. It’s important to know that comparing more company’s prices will improve the odds of getting a lower rate than you’re paying now.

Do I just need basic coverages?

When it comes to buying the best insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if you may require specific advice.

• Should I buy additional glass protection?
• Does my car insurance cover rental cars?
• What should my uninsured motorist coverage limits be in my state?
• What companies insure drivers after a DUI or DWI?
• Do I really need UM/UIM coverage?
• What can I do if my company won’t pay a claim?
• What discounts do I qualify for?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What is the difference between comprehensive and collision coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverages for a Lincoln Navigator

Having a good grasp of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills like ambulance fees, funeral costs and dental work. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability

This can cover injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, pain and suffering and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

This coverage will pay to fix damage to your Navigator resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, damage from flooding and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Affordable insurance is out there

We covered a lot of tips how to save on 2009 Lincoln Navigator insurance. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a small mutual company.

As you quote insurance coverage, don’t be tempted to reduce needed coverages to save money. There have been many cases where an insured dropped liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.

Cheaper car insurance is definitely available both online as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some car insurance companies may not have the ability to get a quote online and most of the time these small insurance companies work with independent agencies.

To learn more, take a look at the resources below:

• Collision Coverage (Liberty Mutual)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Speed and Speed Limit FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)