Compare 2010 Lincoln Navigator Insurance Rates

Want cheaper insurance rates? Drivers have lots of choices when trying to find the best price on Lincoln Navigator insurance. You can either waste hours calling around trying to get quotes or save time using the internet to find the lowest rates. There are more efficient ways to find insurance online and you need to know the proper way to quote coverages for your Lincoln and locate the cheapest rates from both online companies and local agents.

You need to price shop coverage on a regular basis because prices are usually higher with each renewal. If you had the lowest rate for Navigator coverage a year ago a different company probably has better premium rates today. There are lots of tips to save on insurance on the internet, but in just a couple of minutes you can learn some of the best techniques to slash your insurance rates.

Get lower rates by taking advantage of discounts

Some insurance providers don’t list every available discount very clearly, so the list below contains a few of the more well known and the harder-to-find insurance savings.

  • Buy New and Save – Insuring a vehicle that is new may earn a small discount since newer models are generally safer.
  • Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Discount for Multiple Policies – When you have multiple policies with one company you could earn a discount of 10% to 20% off each policy.
  • Save over 55 – Seniors could receive a small discount on rates for Navigator coverage.
  • Save with More Vehicles Insured – Purchasing coverage when you have multiple cars on one policy qualifies for this discount.
  • Telematics Data – Insureds that choose to allow their company to study when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot might see lower rates as long as they are good drivers.

As a footnote on discounts, most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But any discount should help lower the premium cost.

Popular insurance companies and a summarized list of policyholder discounts include:

  • State Farm includes discounts for Drive Safe & Save, student away at school, Steer Clear safe driver discount, good driver, safe vehicle, anti-theft, and defensive driving training.
  • GEICO may offer discounts for military active duty, emergency military deployment, multi-vehicle, seat belt use, driver training, and defensive driver.
  • SAFECO has savings for homeowner, multi-car, safe driver, drive less, anti-lock brakes, teen safe driver, and teen safety rewards.
  • Farmers Insurance may have discounts that include alternative fuel, pay in full, early shopping, electronic funds transfer, and good student.
  • AAA offers premium reductions for pay-in-full, multi-car, multi-policy, AAA membership discount, and good student.
  • USAA offers discounts for annual mileage, military installation, safe driver, multi-vehicle, driver training, vehicle storage, and new vehicle.

When getting a coverage quote, ask each company which discounts they offer. Depending on the company, some discounts might not be offered in your area. To find insurance companies that offer multiple discounts, click this link.

How to lower your insurance premiums

A large part of saving on insurance coverage is knowing a few of the rating criteria that help determine your insurance coverage rates. If you understand what controls the rates you pay, this enables you to make decisions that will entitle you to better insurance coverage rates. Many things are part of the equation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, although others are not quite as obvious such as whether you are married or how financially stable you are.

The following are most of the major factors used by insurance companies to determine rates.

  • Gender is a factor – Over time, data shows that men are more aggressive behind the wheel. This data doesn’t prove that females are better at driving than males. Both genders are responsible for auto accidents in similar numbers, but the male of the species tend to have more serious accidents. Not only that, but men also get higher numbers of serious violations like driving under the influence (DUI). Young men ages 16 to 20 are the most expensive to insure and therefore are the most expensive to insure.
  • Insurance coverage policy lapses lead to higher insurance coverage rates – Allowing your insurance coverage policy to lapse is a sure-fire way to increase your renewal premiums. In addition to paying higher premiums, the inability to provide proof of insurance will get you a license revocation or jail time. You will then be forced to file a SR-22 with your state department of motor vehicles.
  • Annual mileage and car insurance costs – The more you drive each year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. An improperly rated Navigator may be wasting your money. It’s a smart idea to ensure your insurance coverage coverage shows the correct usage for each vehicle, because it can save money.
  • Remove unneeded extra policy coverages – There are many additional extra coverages that can add up but may not be useful. Insurance for things like vanishing deductibles, accidental death, and Farm Bureau memberships may be wasting your money. These coverages may sound good when deciding what coverages you need, but your money might be better spent on other coverage so get rid of them and save.
  • Employer reflects on rates – Occupations like judges, social workers and miners generally have higher average rates in part from high stress and extremely grueling work hours. Other professions such as farmers, engineers and performers get better rates for Navigator coverage.
  • Rates increase with driving citations – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers with clean records pay lower auto insurance prices as compared to those with violations. Just one citation can bump up the cost to the point where it’s not affordable. People who have severe citations like DUI or reckless driving might be required by their state to submit a SR-22 form with their state’s licensing department in order to continue driving.

How much insurance coverage do I need?

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Does liability extend to a camper or trailer?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is a blown tire covered by insurance?
  • Will my rates increase for filing one claim?
  • What is UM/UIM insurance?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Is there truth in advertising?

Consumers constantly see and hear ads that claim the best premium rates by companies like GEICO, State Farm and Progressive. They all have a common claim that drivers will save a bundle after switching your policy.

That’s great but how can every company save you money? You have to listen carefully.

Insurance companies have an ideal profile for the type of insured that will be a good risk. A good example of a driver they prefer may need to be between 25 and 40, has no tickets, and does not commute to work. A customer getting a price quote who meets those qualifications receives the best rates and is almost guaranteed to cut their rates substantially.

People who don’t measure up to these criteria must pay higher rates which usually ends up with the customer not purchasing. The trick companies use is to say “people that switch” not “everyone that quotes” save that much. That is how companies can truthfully advertise the savings. Because every company is different, it is so important to do a quote comparison often. Because you never know which insurance companies will fit you best based on your risk profile.

Car insurance coverages explained

Understanding the coverages of car insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverage – This coverage will pay to fix damage to your Navigator from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, backing into a parked car, rolling your car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for liability – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like emergency aid, legal defense fees, funeral expenses, attorney fees and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hitting a deer, damage from getting keyed, falling objects and theft. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses like dental work, doctor visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2010 Lincoln Navigator.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Online plus local equals savings

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the best price.

More affordable insurance coverage can be found online in addition to many insurance agents, so you need to shop auto insurance with both to have the best rate selection. Some insurance providers may not have price quotes online and most of the time these small, regional companies sell through independent agents.

Insureds switch companies for a variety of reasons including questionable increases in premium, poor customer service, policy cancellation or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

Even more information is available at these sites: