Lower Your 2009 Lincoln Navigator Insurance Rates

Trying to find cheaper car insurance rates? Buyers have many options when searching for low-cost Lincoln Navigator insurance. They can either spend hours calling around to get rate comparisons or utilize the internet to get rate quotes. There is a right way and a wrong way to find car insurance online so we’re going to tell you the proper way to quote coverages for a Lincoln and obtain the lowest price.

Car Insurance Discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that you may not even know about. Some discounts apply automatically when you purchase, but some discounts are required to be asked about in order for you to get them.

  • Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
  • Discount for Life Insurance – Some companies give better prices if you take out auto and life insurance together.
  • Auto/Home Discount – If you combine your auto and homeowners policies and insure them both with the same insurance company you may earn nearly 15% which can help you find the cheapest auto insurance.
  • Distant College Student Discount – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Defensive Driving Course – Participating in a defensive driver course is a good idea and can lower rates depending on where you live.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of 25 to 30%.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

Companies and a partial list of their discounts can be found below.

  • GEICO may have discounts that include military active duty, membership and employees, seat belt use, driver training, and emergency military deployment.
  • Travelers policyholders can earn discounts including new car, driver training, IntelliDrive, save driver, student away at school, multi-car, and good student.
  • Nationwide has discounts for business or organization, accident-free, family plan, good student, anti-theft, and Farm Bureau membership.
  • Farmers Insurance offers premium reductions for bundle discounts, multi-car, teen driver, youthful driver, electronic funds transfer, and good student.
  • Esurance may include discounts for Pac-12 alumni, online quote, homeowner, emergency road assistance, online shopper, and defensive driver.
  • State Farm has savings for passive restraint, Steer Clear safe driver discount, student away at school, multiple autos, and good student.
  • Progressive discounts include continuous coverage, multi-policy, homeowner, good student, online signing, online quote discount, and multi-vehicle.
  • Mercury Insurance may offer discounts for good student, accident-free, age of vehicle, annual mileage, and ease of repair.

Double check with all the companies which discounts you may be entitled to. Some discounts may not apply to policies in your area.

How to compare car insurance rate quotes

Most larger insurance companies make it easy to get price estimates on the web. Obtaining pricing is quite easy as you simply type in the coverages you want as detailed in the form. Once you submit the form, their rating system orders your driving and credit reports and generates pricing information based on these and other factors.

Online quotes helps simplify price comparisons, but having to visit a lot of sites and type in your information is repetitive and time-consuming. But it’s necessary to compare as many rates as possible in order to find lower prices.

A less time-consuming method to compare car insurance pricing utilizes a single form that obtains quotes from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes price shopping online much easier to do. Once the form is submitted, it is rated and you can choose any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

If you want to use this form to compare rates, click here to open in new window and input your coverage information. To compare your current rates, we recommend you duplicate the insurance coverages identical to your current policy. This ensures you will have rate comparison quotes based on the exact same insurance coverage.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether or not you could use an agent’s help.

  • Am I covered when driving in Canada or Mexico?
  • What vehicles should carry emergency assistance coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is extra glass coverage worth it?
  • Should I get collision insurance on every vehicle?
  • How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Specific coverage details

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln Navigator.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like rehabilitation expenses, X-ray expenses, prosthetic devices and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, driving through your garage door, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability auto insurance

This will cover damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like legal defense fees, pain and suffering, bail bonds and loss of income. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, fire damage and hail damage. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Buy Smart and Save

Insureds leave their current company for any number of reasons including extreme rates for teen drivers, delays in paying claims, high rates after DUI convictions and even denial of a claim. Regardless of your reason, finding the right auto insurance provider is less work than it seems.

Some insurance companies don’t offer online price quotes and many times these smaller companies sell through local independent agents. Discount 2009 Lincoln Navigator insurance is definitely available both online and from local insurance agents, so compare prices from both in order to have the best price selection to choose from.

When getting auto insurance quotes online, never reduce coverage to reduce premium. Too many times, an insured dropped uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

More detailed auto insurance information can be found in these articles: