Lower Your 2006 Lincoln Navigator Car Insurance Rates

Searching for better auto insurance rates for your Lincoln Navigator? Locating better insurance prices for a new or used Lincoln Navigator can normally be a lot of work, but you can learn these tips to save time. There are more efficient ways to shop for auto insurance so you’re going to learn the proper way to get price quotes for a Lincoln and locate the best price possible from both online companies and local agents.

Get lower rates with these insurance discounts

Not many people think insurance is cheap, but you may be missing some discounts that many people don’t even know exist. A few discounts will be applied at the time of purchase, but less common discounts must be specifically requested prior to receiving the credit.

• Onboard Data Collection – Insureds that choose to allow driving data collection to analyze vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.
• Defensive Driver – Successfully completing a course teaching driver safety skills may get you a small discount if your company offers it.
• Accident Free – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote compared to insureds who have frequent claims or accidents.
• Early Renewal Discounts – A few insurance companies give discounts for buying a new policy before your current coverage expires. This can save 10% or more.
• Multi-line Discount – Insurance companies who offer life insurance give a discount if you purchase some life insurance too.
• Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
• Anti-lock Brake System – Vehicles with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a car insurance quote.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of making monthly payments you may have a lower total premium amount.

One last thing about discounts, most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that it’s possible to get free car insurance, insurance companies aren’t that generous.

Larger insurance companies and a summarized list of policyholder discounts can be read below.

• State Farm includes discounts for driver’s education, defensive driving training, student away at school, good driver, accident-free, and multiple policy.
• Esurance may offer discounts for DriveSense, good driver, good student, online shopper, and renters.
• Progressive may have discounts that include good student, multi-vehicle, online signing, continuous coverage, and multi-policy.
• Liberty Mutual offers discounts for exclusive group savings, good student, newly retired, new vehicle discount, teen driver discount, preferred payment discount, and new move discount.
• Auto-Owners Insurance has discounts for mature driver, company car, group or association, student away at school, and teen driver.
• Geico has savings for membership and employees, air bags, five-year accident-free, anti-theft, and multi-vehicle.

Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. A few discounts may not apply to policies in your state. If you would like to see a list of insurers with significant discounts, follow this link.

How to compare free auto insurance rate quotes

The majority of larger companies give pricing from their websites. Getting quotes is easy for anyone because it’s just a matter of typing in your required coverages into the quote form. When complete, the system will obtain your driving record and credit report and returns a price quote based on many factors.

This simplifies rate comparisons, but the work required to visit each company’s website and repetitively type in the same data can get tiresome after awhile. But it’s also necessary to have as many quotes as possible in order to get a better rate.

There is a better way to compare rates

The quickest way to compare rates uses just one form to get prices from a lot of companies. This type of form saves time, reduces the work, and makes price shopping online much more enjoyable and efficient. Once the form is submitted, it gets priced and you are able to buy any one of the quote results. If the quotes result in lower rates, you can click and sign and purchase coverage. It takes 15 minutes at the most and could lower your rates considerably.

To use this form to compare rates, click here and fill out the form. To compare your current rates, we recommend you duplicate exactly as they are listed on your policy. Doing this guarantees you will get rate comparison quotes based on the exact same insurance coverage.

How your Navigator insurance prices are determined

Lots of factors are used in the calculation when you get a price on insurance. Most are fairly basic like an MVR report, but other factors are more transparent like your vehicle usage or how safe your car is.

• Never let your auto insurance policy lapse – Not maintaining insurance can get you a ticket and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license.
• More annual miles equals more premium – The more you drive your Lincoln in a year the more you’ll pay to insure it. The majority of insurers calculate rates based on their usage. Vehicles not used for work or commuting can get a lower rate than those that get driven frequently. It’s a good idea to make sure your auto insurance declarations sheet reflects the right rating data. Incorrect rating for your Navigator is just wasting money.
• Vehicle theft costs us all – Choosing to buy a car with a theft deterrent system can save you some money. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft.
• Liability coverage limits on your policy – The liability section of your policy provides coverage in the event that you are responsible for damages from an accident. This coverage provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.

Insurance coverage can get complicated

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I drive in a foreign country?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I have coverage for damage caused while driving under the influence?
• When can I cancel my policy?
• What exactly is covered by my policy?
• Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Are you falling for claims of savings?

Consumers constantly see and hear ads that promise big savings for switching from companies such as Progressive, Geico, Allstate and State Farm. They all seem to say the same thing about saving some big amount just by switching to their company.

How is it possible that every company can offer you a better deal? You have to listen carefully.

Most companies require specific criteria for the type of driver that will be a good risk. An example of a driver they prefer could be a married male, owns a home, and drives less than 5,000 miles a year. Anybody that matches those criteria receive the lowest rate quotes and will most likely save a lot if they switch.

Consumers who do not fit the “perfect” profile will probably have to pay higher rates and the prospect going elsewhere. The ads say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can truthfully make claims like that. Because every company is different, drivers should compare many company’s car insurance rates. Because you cannot predict which insurance company will have the lowest rate quotes.

Detailed coverages of your auto insurance policy

Having a good grasp of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Navigator.

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

Liability coverage – Liability coverage will cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as structural damage, funeral expenses and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as funeral costs, pain medications, ambulance fees and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, hitting a bird and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

In any little way, save everyday

People switch companies for any number of reasons including lack of trust in their agent, poor customer service, policy cancellation and even high prices. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.

Budget-friendly insurance is attainable on the web and from local insurance agents, so you should compare both to get a complete price analysis. Some insurance companies may not offer online quoting and these smaller companies provide coverage only through independent agents.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where consumers will sacrifice physical damage coverage only to find out they didn’t have enough coverage. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Helpful information

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)