2015 Lincoln Navigator Insurance Rates – 8 Tips for Cheaper Quotes

Buyers have many options when searching for low-cost Lincoln Navigator insurance. They can either spend hours contacting agents to compare prices or utilize the internet to make rate comparisons. There is a right way and a wrong way to buy insurance so we’re going to tell you the quickest way to quote coverages for a new or used Lincoln and obtain the lowest price.

It’s a good idea to price shop coverage quite often because insurance prices fluctuate regularly. Even if you think you had the lowest rates for Navigator insurance on your last policy you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance because it’s time to teach you the things you must know in order to reduce your cost while increasing coverage.

If you have insurance now or are looking for a new policy, you can use these techniques to find the best rates while maximizing coverage. This information will instruct you on how to get online quotes and some tips to save money. Vehicle owners just need to know the most effective way to compare rates over the internet.

Eight discounts for cheap car insurance rates

The price of auto insurance can be rather high, but you might find some hidden discounts that you may not even know about. A few discounts will be applied at the time you complete a quote, but some may not be applied and must be asked about prior to receiving the credit. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.

  • Clubs and Organizations – Joining a professional or civic organization is a simple method to lower premiums on your next car insurance statement.
  • Discounts for Government Workers – Federal government employees could cut as much as 10% off for Navigator insurance with some car insurance companies.
  • Good Student – Excelling in school can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Defensive Driver – Passing a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
  • Driving Data Discount – People who choose to allow companies to track where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they are good drivers.
  • First Accident Forgiveness – This one is not really a discount per se, but a few companies such as Progressive, Allstate, and GEICO will allow you to have one accident before hitting you with a surcharge if you have no claims prior to the accident.
  • Multi-car Discount – Having more than one vehicle with one company may reduce the rate for each vehicle.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and earn discounts up to 10% off your auto insurance quote.

Don’t be surprised that some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, you aren’t that lucky.

Popular car insurance companies and a partial list of their discounts are:

  • Progressive has savings for online quote discount, good student, multi-vehicle, online signing, continuous coverage, and homeowner.
  • SAFECO has discounts for multi-car, anti-lock brakes, drive less, homeowner, bundle discounts, safe driver, and teen safe driver.
  • American Family offers discounts including mySafetyValet, TimeAway discount, early bird, multi-vehicle, Steer into Savings, and accident-free.
  • MetLife includes discounts for claim-free, good student, defensive driver, multi-policy, good driver, and accident-free.
  • GEICO policyholders can earn discounts including defensive driver, multi-policy, multi-vehicle, federal employee, and anti-lock brakes.
  • The Hartford offers discounts for driver training, vehicle fuel type, anti-theft, air bag, and good student.

When comparing rates, check with every insurance company which discounts they offer. Discounts may not be available in your area.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether your personal situation will benefit from professional help.

  • Can I still get insurance after a DUI?
  • Can I drive in Mexico and have coverage?
  • Do I pay less for low miles?
  • When should I buy a commercial auto policy?
  • When do I need to add a new car to my policy?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Don’t be fooled by advertising claims

Drivers can’t get away from ads that claim the lowest premium rates from the likes of State Farm, Allstate and GEICO. All the ads seem to make the promise that you can save just by moving to them.

How is it possible that every company can say the same thing? It’s all in the words they use.

Most companies have specific guidelines for a prospective insured that earns them the highest profit. A good example of a profitable risk profile might be described as between the ages of 40 and 55, has a clean driving record, and has a high credit rating. Any person that matches those criteria is entitled to the best price and as a result will probably cut their rates if they switch.

Potential insureds who do not fit the ideal profile will have to pay a higher rate and the driver buying from a lower-cost company. The wording the ads use say “people who switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can confidently make claims like that. This illustrates why you really should get auto insurance quotes as often as possible. It is impossible to guess the company that will have the best auto insurance rates.

Auto insurance coverage information

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a bird, damage from getting keyed and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for things like X-ray expenses, surgery, chiropractic care, ambulance fees and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays for damage to your Navigator resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

This will cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things such as funeral expenses, repair costs for stationary objects and medical services. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Never pay more for less

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

You just read many ideas to compare 2015 Lincoln Navigator insurance premium rates online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from some of the lesser-known companies.

Low-cost 2015 Lincoln Navigator insurance can be bought online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies don’t offer online quoting and usually these smaller providers only sell coverage through local independent agencies.

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