2004 Lincoln Navigator Insurance Rates

Trying to find lower car insurance rates for your Lincoln Navigator? Do you get confused by the wide range of car insurance choices that you can choose from? You’re not alone. People have so many choices that it can be a real hassle to compare rates.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. Locating cheaper coverage is simple if you know the tricks. Nevertheless, consumers need to have an understanding of the methods companies use to market on the web and use this information to your advantage.

Shop car insurance online

Effectively comparing car insurance prices can take time and effort if you don’t understand the best way to get rate quotes. You could spend the better part of a day talking to insurance agencies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

All the larger companies belong to a marketplace where prospective buyers complete one form, and each participating company then returns a price quote based on the submitted data. This prevents consumers from doing form submissions for every car insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to using this type of system is buyers cannot specifically choose which providers to receive prices from. So if you want to choose specific providers for rate comparison, we have assembled a list of low cost car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure you’re using equivalent coverages on every price quote you get. If you enter different deductibles you can’t possibly find the best deal for your Lincoln Navigator. Just a small difference in insurance coverages or limits could mean much higher rates. And when comparison shopping, more quotes helps locate better pricing.

Find discounts on auto insurance

Companies that sell car insurance don’t always advertise all disounts in a way that’s easy to find, so the list below gives a summary of both well-publicized and also the lesser-known credits available to bring down your rates.

• Multi-car Discount – Drivers who insure all your vehicles with the same auto insurance company can reduce rates for all insured vehicles.
• Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save 10% or more off PIP or medical payments premium.
• Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy a life policy as well.
• Switch and Save Discount – Some larger companies reward drivers for switching companies early. You could save around 10% when you buy insurance coverage online.
• Cautious Driver Discounts – Insureds without accidents may save up to 50% more for Navigator insurance compared to rates paid by drivers with frequent claims.
• Defensive Driver Discount – Successfully completing a defensive driver course may get you a small discount if your company offers it.
• Homeowners Pay Less – Owning your own home or condo can help you save on auto insurance because owning a home means you have a higher level of financial diligence.
• Discount for Low Mileage – Keeping the miles down on your Lincoln can qualify you for cheaper prices.
• Anti-theft System – Vehicles optioned with advanced anti-theft systems help deter theft and earn discounts up to 10% off your insurance coverage quote.
• E-sign – A handful of larger companies give back up to $50 for buying a policy and signing up online.

It’s important to understand that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, it’s just not the way it works. Any qualifying discounts will help lower your policy premium.

Large auto insurance companies and some of the premium reductions they offer include:

• State Farm has savings for anti-theft, driver’s education, good student, passive restraint, defensive driving training, safe vehicle, and Steer Clear safe driver discount.
• Progressive includes discounts for multi-vehicle, good student, online quote discount, homeowner, and continuous coverage.
• Progressive has discounts for multi-vehicle, homeowner, multi-policy, online quote discount, online signing, and continuous coverage.
• MetLife discounts include multi-policy, good driver, defensive driver, claim-free, good student, accident-free
• Farm Bureau may have discounts that include safe driver, renewal discount, multi-vehicle, multi-policy, 55 and retired, and youthful driver.
• Geico may offer discounts for military active duty, anti-lock brakes, driver training, anti-theft, daytime running lights, and emergency military deployment.
• SAFECO offers discounts including anti-theft, multi-car, homeowner, teen safe driver, and teen safety rewards.

If you want cheaper insurance coverage quotes, ask every company to apply every possible discount. Some of the discounts discussed earlier may not apply in every state. If you would like to see a list of companies that have a full spectrum of discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions might point out if your insurance needs will benefit from professional help.

• Do all my vehicles need collision coverage?
• Can I make deliveries for my home business?
• What is UM/UIM insurance?
• What happens if I owe more than my 2004 Lincoln Navigator is worth?
• Is extra glass coverage worth it?
• Can I afford to buy a different vehicle if my 2004 Lincoln Navigator is totaled?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance 101

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

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

Comprehensive can pay for claims such as hitting a bird, rock chips in glass, damage from flooding and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance – This can cover damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like pain and suffering, loss of income, emergency aid, funeral expenses and bail bonds. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Lincoln Navigator.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – Collision insurance will pay to fix damage to your Navigator resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, crashing into a building, driving through your garage door, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as dental work, funeral costs, doctor visits, EMT expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

At the end of the day…

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There are many occasions where an accident victim reduced collision coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.

We just covered many tips how you can compare 2004 Lincoln Navigator insurance premium rates online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers may even find the lowest premium rates are with a company that doesn’t do a lot of advertising.

Consumers leave their current company for a variety of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, high prices or policy cancellation. Regardless of your reason for switching companies, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

More tips and info about auto insurance is located by following these links:

• State Laws for Cellphones and Texting (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• Learn About Car Insurance (Geico)
• Safety Features for Your New Car (State Farm)