View 2000 Lincoln Navigator Car Insurance Rates

Trying to find cheaper insurance for your Lincoln Navigator can be difficult, but you can use the following methods to make it easier. There is a better way to compare insurance coverage rates and you need to know the absolute fastest way to quote coverages on a Lincoln and find the best price possible from local insurance agents and online providers.

Buying car insurance is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can use these tips to get lower rates while maintaining coverages. Drivers only need an understanding of the best way to get comparison quotes online.

How to Get Insurance Coverage

Finding a lower price on 2000 Lincoln Navigator insurance is actually quite simple. Consumers just need to spend a few minutes on the computer to compare quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The recommended way to find the lowest comparison rates is a comparison rater form click to view form in new window. This type of form saves time by eliminating multiple quote forms to each individual insurance coverage company. Just one form compares rates instantly. Just one form and you’re done.
  2. A less efficient way to get comparison quotes consists of going to each company website to request a price quote. For example, let’s say you want to compare Nationwide, Geico and State Farm. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The hardest way to compare rates is to drive around to local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you prefer the trained guidance that only a license agent can provide. Drivers can compare online quotes and get advice from an agent in your area and we’ll touch on that later.

Whichever method you choose, make darn sure you compare the exact same coverages with each company. If you use different liability limits it’s not possible to decipher which rate is best.

Are you getting all your discounts?

Auto insurance companies don’t always list every discount in an easy-to-find place, so the following is a list of both the well known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Senior Discount – If you’re over the age of 55, you may qualify for a small decrease in premiums on Navigator insurance.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Navigator insurance with certain companies.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of up to 25% or more.

A little note about advertised discounts, many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

Companies that may have these benefits are:

Before buying, ask every prospective company how you can save money. Some discounts may not be available everywhere.

When might I need an agent?

When it comes to buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Is my teen driver covered when they drive my company car?
  • Is a new car covered when I drive it off the dealer lot?
  • Is there coverage for injuries to my pets?
  • Am I getting all the discounts available?
  • Should I rate my 2000 Lincoln Navigator as pleasure use or commute?
  • Should I buy only the required minimum liability coverage?
  • Who is covered when they drive my 2000 Lincoln Navigator?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why am I required to buy liability insurance?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Coverages available on your car insurance policy

Understanding the coverages of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from a tornado or hurricane and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays for damage to your Navigator resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2000 Lincoln Navigator.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like funeral costs, surgery and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, loss of income, court costs, medical services and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.