2012 Lincoln Navigator Insurance Quotes

Searching for the cheapest insurance coverage rates for your Lincoln Navigator? Do you get exhausted from not being able to afford to buy insurance coverage? You have the same problem as many other consumers.

Online insurance companies like Allstate and Progressive constantly bombard you with advertising and it can be hard to separate fact from fiction and find the best price available.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Choosing the best insurance company for you is quite easy. Nevertheless, consumers must learn how insurance companies determine prices.

Take advantage of every insurance coverage discount

Some insurance providers do not list every policy discount very well, so below is a list some of the best known as well as the least known insurance coverage savings.

• Clubs and Organizations – Being in a civic or occupational organization could qualify you for a break on your bill.
• Driver Education Discount – Require your teen driver to take driver’s ed class in school or through a local driver safety program.
• Early Switch Discount – Select larger companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
• Homeowners Pay Less – Just being a homeowner can get you a discount because maintaining a house means you have a higher level of financial diligence.
• Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction for Navigator insurance with certain companies.

A quick disclaimer, some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, that’s just not realistic.

The best insurance coverage companies and the discounts they provide can be read below.

• AAA may include discounts for good driver, education and occupation, anti-theft, multi-car, pay-in-full, and AAA membership discount.
• Progressive may offer discounts for online signing, homeowner, continuous coverage, good student, multi-vehicle, and online quote discount.
• State Farm offers premium reductions for multiple autos, Steer Clear safe driver discount, Drive Safe & Save, good driver, and accident-free.
• Esurance offers discounts for anti-theft, emergency road assistance, claim free, good driver, and paid-in-full.
• Nationwide has discounts for easy pay, defensive driving, good student, family plan, Farm Bureau membership, accident-free, and business or organization.

If you need the cheapest insurance coverage quotes, ask each company or agent to apply every possible discount. Some credits may not apply to policies in every state. If you would like to view companies that offer multiple discounts, follow this link.

How to compare car insurance quotes

Most major insurance companies provide price estimates directly from their websites. Doing online quotes is pretty easy because it’s just a matter of typing in the coverages you want into a form. When the form is submitted, their quoting system gets your driving record and credit report and quotes a price based on these factors. Online price estimates streamlines rate comparisons, but the process of having to visit a lot of sites and type in your information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you are searching for the best price possible.

There is a better way to compare rates

The easiest way to find better car insurance pricing uses one form that gets prices from multiple companies. It saves time, eliminates form submissions, and makes comparison shopping much easier. Immediately after submitting the form, it is rated and you are able to buy any of the price quotes you receive.

If you find a better price you simply finish the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To save time and find out what other companies charge, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you type in coverages and limits just like they are on your policy. This makes sure you will have rate quotes for exact coverage.

How to know if you need help

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can aid in determining whether your personal situation could use an agent’s help.

• Is my vehicle covered by my employer’s policy when using it for work?
• Is my dog or cat covered if injured in an accident?
• How can I get high-risk coverage after a DUI?
• Are all vehicle passengers covered by medical payments coverage?
• Do I have coverage when using my vehicle for my home business?
• Am I missing any policy discounts?
• Will my insurance pay for OEM parts?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your auto insurance policy

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Liability auto insurance – Liability insurance can cover damages or injuries you inflict on other people or property. It protects YOU against other people’s claims. 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. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as loss of income, court costs, structural damage and medical services. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like pain medications, surgery and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, hitting a deer, hail damage and fire damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays for damage to your Navigator caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, damaging your car on a curb, crashing into a building and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Lincoln Navigator.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Affordable insurance is out there

We just covered quite a bit of information on how to shop for 2012 Lincoln Navigator insurance online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the most savings is with a lesser-known regional company. These companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or Geico.

Low-cost 2012 Lincoln Navigator insurance can be found from both online companies and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not have internet price quotes and these smaller providers work with local independent agents.

Additional information

• Collision Coverage (Liberty Mutual)
• Older Drivers FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)