Save on 2013 Lincoln Navigator Insurance Rates

When trying to find more affordable insurance, are you baffled by the dozens of auto insurance sources? Many other drivers are too. There are such a vast assortment of sources available that it can quickly become a difficult challenge to lower your auto insurance rates.

It’s a great practice to do rate comparisons every six months because prices trend upward over time. Just because you had the best deal on Navigator coverage on your last policy the chances are good that you can find a lower premium rate today. There is a lot of wrong information about auto insurance out there, but in a few minutes you can learn a bunch of ideas how to quit paying high auto insurance rates.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. The purpose of this post is to tell you how car insurance quotes work. But drivers must comprehend how companies sell online and take advantage of how the system works.

Get affordable rates by applying discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that can drop the cost substantially. Some discounts will apply when you purchase, but less common discounts must be requested specifically before they will apply.

• Telematics Discount – Drivers who agree to allow their insurance coverage company to monitor driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
• Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings on insurance coverage.
• Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive and the ABS can save up to 10%.
• Homeowners Savings – Owning a house can help you save on insurance coverage since home ownership means you have a higher level of financial diligence.
• Military Rewards – Being on active deployment in the military could trigger a small discount.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.
• Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
• Claim-Free Discount – Good drivers with no accidents can save substantially in comparison to insureds who have frequent claims or accidents.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think it’s possible to get free car insurance, companies don’t profit that way.

Larger insurance coverage companies and some of the discounts include:

• State Farm has savings for Steer Clear safe driver discount, good driver, defensive driving training, safe vehicle, multiple autos, passive restraint, and good student.
• American Family policyholders can earn discounts including Steer into Savings, good student, early bird, good driver, and multi-vehicle.
• Geico discounts include multi-policy, anti-theft, multi-vehicle, seat belt use, good student, and daytime running lights.
• 21st Century may offer discounts for homeowners, good student, 55 and older, student driver, and defensive driver.
• Progressive offers discounts for online quote discount, multi-vehicle, good student, continuous coverage, and online signing.

Before purchasing a policy, check with each company or agent the best way to save money. All car insurance discounts might not be offered in your area. For a list of insurers that have a full spectrum of discounts, click here.

Why smart consumers pay less for Lincoln Navigator insurance

A large part of saving on insurance coverage is knowing the different types of things that aid in calculating the rates you pay for insurance coverage. If you have some idea of what impacts premium levels, this helps enable you to make changes that may reward you with much lower annual insurance costs. Multiple criteria are used when premium rates are determined. Some factors are common sense like your driving record, but others are not as apparent such as your marital status or your financial responsibility.

The following are some of the most rate-impacting factors used by your company to calculate your premiums.

• Save by driving vehicles with better crash test results – Safe vehicles tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If the Lincoln Navigator has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Better premiums for uninterrupted coverage – Driving any period of time without insurance can get you a ticket and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will you pay more, not being able to provide proof of insurance may result in fines and jail time.
• Youthful drivers pay higher premiums – Older people have been proven to be more responsible, statistically cause fewer accidents and are safer drivers.Teenage drivers are proven to be inattentive with other occupants in the car and because of this, their insurance coverage rates are much higher.
• Single vs. married – Your spouse may save some money when buying insurance coverage. It usually means you are more mature and insurance companies like that being married results in fewer claims.
• Protect yourself with liability coverage – Liability insurance is the coverage that protects you in the event that you are responsible for causing damage or personal injury in an accident. Liability provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should carry high limits.
• Rate your vehicle for proper use – Driving a lot of miles each year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based on how the vehicle is used. Autos not used for work or commuting get more affordable rates compared to those used for work or business. Incorrect rating for your Navigator can result in significantly higher rates. It’s a smart idea to ensure your declarations sheet is showing the correct usage, because it can save money.

Your car insurance coverage should be tailored to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

• Will I be non-renewed for getting a DUI or other conviction?
• Does my medical payments coverage pay my health insurance deductible?
• When should I not file a claim?
• Can I get a multi-policy discount?
• Should I rate my 2013 Lincoln Navigator as pleasure use or commute?
• Do I really need UM/UIM coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Drivers who switch save $466 a year? Really?

Car insurance companies such as Progressive, Allstate and Geico seem to constantly run ads in print and on television. They all make an identical promise that people will save if you get a free car insurance quote and switch to their company. How is it plausible that every one can give you a better price?

All the different companies are able to cherry pick for the driver that will add to their bottom line. One example of a desirable risk might be a female over age 40, has no claims, and has a high credit rating. A driver who fits those characteristics will get the preferred prices and have a good chance to save some money.

Consumers who don’t qualify for those standards will get more expensive rates and ends up with the prospect going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save that much when switching. That is how companies can truthfully claim big savings.

Because of this risk profiling, you really need to do a quote comparison often. Because you never know the company that will provide the lowest premium rates.

Auto insurance coverage specifics

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance

Liability insurance will cover damage that occurs to other people or property by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

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. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like medical services, attorney fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Lincoln Navigator.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Collision insurance

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

Collision coverage pays for things like colliding with another moving vehicle, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like funeral costs, nursing services, pain medications, hospital visits and ambulance fees. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, a broken windshield, fire damage, a tree branch falling on your vehicle and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. In many instances, drivers have reduced uninsured motorist or liability limits and learned later that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

People change insurance companies for many reasons like delays in paying claims, being labeled a high risk driver, unfair underwriting practices and delays in responding to claim requests. It doesn’t matter why you want to switch finding the right auto insurance provider can be less work than you think.

We just covered some good ideas how to shop for 2013 Lincoln Navigator insurance online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. You may even discover the best price on auto insurance is with a small mutual company.

More information is located at these links:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Your Car has been Stolen: Now What? (Allstate)