Lower Your 2004 Lincoln Navigator Car Insurance Quotes

Have you fallen victim to overpriced car insurance? Don’t sweat it because many drivers feel the same as you.

With consumers having so many insurance companies to choose from, it is very difficult to pick the cheapest insurance company.

It’s a good habit to shop coverage around occasionally because car insurance rates are usually higher with each renewal. Even if you think you had the best deal on Navigator insurance six months ago you may be paying too much now. You can find a lot of misleading information regarding car insurance on the internet, but in just a couple of minutes you can learn the best ways to lower your car insurance premiums.

Take advantage of these premium-slashing discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. A few discounts will be applied when you quote, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
  • Multi-line Discount – Companies who offer life insurance give a lower rate if you buy some life insurance too.
  • Paperless Signup – A handful of insurance companies will give you a small discount simply for signing digitally online.
  • Federal Government Employee – Having worked for a branch of the government may reduce rates when you quote auto insurance on Navigator insurance depending on your auto insurance provider.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up can save a little off the personal injury premium cost.
  • Memberships – Having an affiliation with a civic or occupational organization could qualify you for a break when shopping for auto insurance.
  • 55 and Retired – Drivers over the age of 55 may be able to get reduced rates on Navigator insurance.
  • No Accidents – Drivers who stay claim-free can earn big discounts when compared to bad drivers.
  • Payment Method – If you can afford to pay the entire bill instead of paying each month you can avoid the installment charge.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.

Larger auto insurance companies and the discounts they provide include:

  • Farm Bureau has savings for 55 and retired, multi-vehicle, safe driver, renewal discount, driver training, multi-policy, and youthful driver.
  • State Farm may include discounts for good driver, good student, passive restraint, multiple policy, anti-theft, and defensive driving training.
  • Progressive policyholders can earn discounts including homeowner, online signing, good student, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
  • Allstate may offer discounts for EZ pay plan discount, auto/life discount, utility vehicle, eSmart discount, passive restraint, and farm vehicle.
  • Nationwide may have discounts that include anti-theft, accident-free, good student, family plan, multi-policy, and Farm Bureau membership.
  • MetLife has discounts for accident-free, defensive driver, good driver, claim-free, and multi-policy.

If you need the cheapest auto insurance quotes, ask each company to give you their best rates. Some discounts listed above may not apply in your state.

Do I need special coverages?

When buying coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different and your policy should reflect that. For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Does my 2004 Lincoln Navigator need full coverage?
  • Can my babysitter drive my car?
  • What is covered by UM/UIM coverage?
  • Am I covered when driving someone else’s vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Specific coverage details

Learning about specific coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages offered by auto insurance companies.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills for things like chiropractic care, hospital visits and nursing services. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision – Collision coverage covers damage to your Navigator caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, falling objects and vandalism. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage – This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as pain and suffering, loss of income, repair costs for stationary objects, medical services and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides 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 your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Be a penny pincher

When getting auto insurance quotes online, don’t be tempted to reduce needed coverages to save money. In many cases, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Some auto insurance companies may not offer online price quotes and many times these regional carriers provide coverage only through independent agents. Low-cost 2004 Lincoln Navigator insurance can be found on the web and with local insurance agents, and you should be comparing both to have the best chance of lowering rates.

Much more information about auto insurance is available at these links: