2000 Lincoln Navigator Car Insurance Quotes – 6 Savings Tips

Want lower insurance rates for your Lincoln Navigator? Think you have an expensive insurance policy? It’s quite common and many drivers have buyer’s remorse.

Lots of car insurance companies contend for your business, so it can be very hard to choose a provider to get the lowest rate possible.

It is always a good idea to take a look at other company’s rates yearly since prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal for Navigator insurance six months ago the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance online but in just a couple of minutes you can learn the best ways to find affordable insurance.

Low cost auto insurance quotes

There are a lot of ways to compare auto insurance quotes, but one way is more efficient than others. You can waste hours talking about coverages with local insurance agents in your area, or you can utilize online quoting for quick rates.

Most of the larger companies belong to a marketplace that allows shoppers to submit one quote, and each company then gives them pricing determined by their information. This saves time by eliminating quotation requests to every company.

To access this free quoting program, click to open in new window.

The one disadvantage to using this type of form is that consumers can’t choose the providers you want pricing from. So if you want to select specific providers to compare prices, we have a listing of auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but try to keep the same deductibles and coverage limits with every price quote. If you compare mixed coverages it’s not possible to make a fair rate comparison. Even a minor difference in insurance coverages may cause a big price difference. It’s important to know that comparing a wide range of rates increases your odds of finding a lower rate. Not every company allows you to get prices over the internet, so you need to compare price quotes from those companies as well.

Situations that may require an agent’s advice

When choosing the best insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • At what point should I drop full coverage?
  • Is business property covered if stolen from my car?
  • Do I pay less if my vehicle is kept in my garage?
  • Why am I required to buy liability insurance?
  • Should I rate my 2000 Lincoln Navigator as pleasure use or commute?
  • How can I get high-risk coverage after a DUI?
  • How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

The coverage is in the details

Understanding the coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your 2000 Lincoln Navigator.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Collision protection

Collision insurance covers damage to your Navigator from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on a person or their property. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, legal defense fees, court costs, bail bonds and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills such as hospital visits, rehabilitation expenses, nursing services and pain medications. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, vandalism and theft. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.