2010 Lincoln Navigator Insurance Rates – 6 Tips to Save

Want lower insurance coverage rates for your Lincoln Navigator? When looking for lower-priced insurance, do you get overwhelmed by the number of insurance coverage sources that you can choose from? Many other drivers are as well. Consumers have so many options that it can easily become more work than you anticipated to find a more affordable company.

You should take the time to compare rates as often as possible since insurance rates are usually higher with each renewal. Just because you found the best rate on Navigator insurance two years ago you may be paying too much now. You can find a lot of wrong information about insurance coverage online, but you can learn a lot of great tips on how to find cheap insurance coverage.

How much is insurance coverage?

When shopping for low cost insurance coverage quotes, there are a couple of ways of comparing rates from all the different companies. The simplest method to find affordable 2010 Lincoln Navigator insurance rates is to get quotes online. This is very easy and can be done in several different ways.

1. The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form click to view form in new window. This quick form keeps you from doing a different quote for each company. A single form will return price quotes from many national carriers.It’s the quickest way to get rates.
2. A harder way to find lower rates requires a visit to each individual company website and repeat the quote process. For sake of this example, let’s say you want to see prices from Auto-Owners, Progressive and Geico. You would have to take the time to go to each site and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.

Compare rates however you want, just make sure you are using apples-to-apples coverage limits and deductibles with every price quote. If you compare different limits and deductibles on each one it will be next to impossible to determine the best price for your Lincoln Navigator. Having just a slight variation in coverage limits can make a big difference in price. And when comparing insurance coverage rates, know that having more price comparisons will enable you to find a better price. Not every company does prices over the internet, so it’s important to also get price quotes from those companies as well.

Lower-cost car insurance rates with discounts

Companies offering auto insurance don’t always advertise all disounts very clearly, so we took the time to find a few of the more well known and also the lesser-known credits available to lower your premiums when you buy insurance coverage online.

• No Accidents – Drivers who don’t have accidents have much lower rates compared to drivers who are more careless.
• 55 and Retired – If you’re over the age of 55, you may qualify for a small discount on rates on Navigator insurance.
• Discounts for Government Workers – Federal government employees could provide a small rate reduction on Navigator insurance with certain companies.
• Own a Home – Owning a home can get you a discount because maintaining a house demonstrates responsibility.
• More Vehicles More Savings – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
• Military Discounts – Having a deployed family member can result in better rates.

Remember that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, you’re out of luck.

Large car insurance companies and a partial list of their discounts are detailed below.

• Geico includes discounts for multi-policy, seat belt use, five-year accident-free, emergency military deployment, multi-vehicle, good student, and anti-lock brakes.
• Travelers offers discounts for hybrid/electric vehicle, save driver, student away at school, continuous insurance, early quote, good student, and payment discounts.
• Farm Bureau may have discounts that include good student, renewal discount, multi-vehicle, multi-policy, safe driver, 55 and retired, and driver training.
• Liberty Mutual policyholders can earn discounts including new move discount, newly married, multi-car, new graduate, hybrid vehicle, preferred payment discount, and teen driver discount.
• American Family may offer discounts for early bird, multi-vehicle, Steer into Savings, accident-free, good driver, defensive driver, and TimeAway discount.
• Progressive may include discounts for homeowner, multi-vehicle, continuous coverage, online quote discount, multi-policy, online signing, and good student.

Double check with each company or agent to give you their best rates. Some of the discounts discussed earlier might not be offered on policies in your area. To see a list of insurance companies who offer free car insurance quotes, click this link.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different.

These are some specific questions might point out whether your personal situation may require specific advice.

• Is a fancy paint job covered?
• Should I waive the damage coverage when renting a car?
• Am I covered when driving on a suspended license?
• Am I covered by my spouse’s policy after a separation?
• What is the difference between comprehensive and collision coverage?
• Do I need an umbrella policy?
• Does my insurance cover damage caused when ticketed for reckless driving?
• When can I cancel my policy?
• Will my rates increase for filing one claim?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverages

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, a broken windshield, rock chips in glass, hitting a bird and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to 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 one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, emergency aid, bail bonds, legal defense fees and pain and suffering. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Coverage for collisions

This will pay to fix damage to your Navigator from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, scraping a guard rail, hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Lincoln Navigator.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for ambulance fees, surgery, prosthetic devices, chiropractic care and hospital visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

In any little way, save everyday

When you buy insurance coverage online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage for the lowest price while still protecting your assets.

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, policy cancellation, questionable increases in premium or not issuing a premium refund. No matter why you want to switch, finding a new company is not as hard as you think.

In this article, we covered many ways to reduce 2010 Lincoln Navigator insurance car insurance rates online. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers may even find the best price on insurance is with a lesser-known regional company.

Other learning opportunities

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• What is Full Coverage? (Allstate)
• What is Covered by GAP Insurance? (Allstate)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)