1999 Lincoln Navigator Insurance Cost

No one likes paying for insurance, especially knowing they are paying too much.

Companies like State Farm, Progressive and Geico constantly blast consumers with ads and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but you may find discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be inquired about prior to receiving the credit.

  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Low Mileage – Keeping the miles down on your Lincoln could be rewarded with a substantially lower rate.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Safety Course Discount – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.

Drivers should understand that many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will bring down the cost of coverage.

For a list of insurers who offer insurance coverage discounts, click here.

Lincoln Navigator insurance rates have many determining factors

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that can help you get big savings.

  • Consolidate policies to earn discounts – The majority of insurers provide better rates to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to make sure you are getting the best deal. Consumers may find a better deal by splitting coverages up.
  • Sex matters – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes cause accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like DUI and reckless driving.
  • Frequent car insurance claims increase rates – Companies give lower rates to insureds who file claims infrequently. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
  • Safer occupants lowers premiums – Cars with high safety ratings can get you lower premiums. These vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Lincoln Navigator earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Always keep insurance in force – Not having insurance is against the law and you will pay a penalty because you let your coverage lapse. Not only will you pay more, getting caught without coverage can result in a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Having a spouse can save you money – Being married can get you a discount on your policy. Having a significant other usually means you are more mature and it’s statistically proven that being married results in fewer claims.

Car insurance is unique, just like you

When choosing coverage, there is no “perfect” insurance plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.

  • Should I sign the liability waiver when renting a car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I buy full coverage?
  • What is covered by UM/UIM coverage?
  • What are the financial responsibility laws in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I have combined single limit or split liability limits?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Coverage specifics

Understanding the coverages of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as chiropractic care, pain medications, rehabilitation expenses, nursing services and ambulance fees. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1999 Lincoln Navigator.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Coverage for collisions

Collision insurance covers damage to your Navigator caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding, hail damage and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage can cover damage or injury you incur to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair costs for stationary objects, court costs, bail bonds and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Spend less. Save more.

We covered some good ideas how to shop for 1999 Lincoln Navigator insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the most savings is with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Affordable insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Additional auto insurance information can be found on the following sites: