View 2006 Lincoln Navigator Insurance Cost

Searching for better auto insurance rates for your Lincoln Navigator? Paying for high-priced Lincoln Navigator insurance can drain your personal savings and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Companies like State Farm, Geico and Farmers Insurance persitently shower you with catchy ads and it is difficult to see through the deception and take the time to shop coverage around.

It is always a good idea to get comparison quotes before your policy renews since rates change regularly. Even if you think you had the lowest rates for Navigator insurance two years ago there is a good chance you can find better rates now. So ignore everything you know about auto insurance because I’m going to teach you the best way to find better rates and still maintain coverage.

How to Get Insurance Coverage

All major insurance coverage companies give insurance quotes online. Getting quotes is fairly simple as you just enter your personal and coverage information as requested by the quote form. After you submit the form their system sends out for your credit score and driving record and returns a price quote based on these factors. Quoting online helps simplify price comparisons, but the time required to go to several different sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to perform this step if you are searching for a lower rate.

The easiest way to compare insurance coverage pricing is to use a quote form to obtain quotes from more than one company. This type of form saves time, requires less work, and makes online price comparison much more enjoyable. After sending the form, your coverage is rated with multiple companies and you can pick any or none of the quotes that you receive.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. This process takes 15 minutes at the most and may save quite a bit of money.

If you want to compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you input coverages and limits exactly as they are listed on your policy. This helps ensure you are getting an apples-to-apples comparison for the exact same coverage.

These discounts can slash insurance coverage rates

Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but a few need to be inquired about prior to receiving the credit. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • New Car Discount – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Senior Discount – Older drivers may qualify for better insurance coverage rates for Navigator insurance.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying your policy digitally online.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will reduce your overall premium however.

To see a list of providers who offer insurance coverage discounts, click here to view.

Factors that can influence Lincoln Navigator insurance rates

It’s important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The list below includes some of the factors companies use to determine prices.

  • Occupation reflects on rates – Occupations such as doctors, business owners and dentists tend to have the highest average rates in part from job stress and long work days. Other occupations like actors, historians and retirees receive lower rates for Navigator insurance.
  • Drive less and save money – The more miles you rack up on your Lincoln each year the higher your rate. Most insurance companies rate vehicles based on their usage. Cars used primarily for pleasure use get more affordable rates compared to those used for work or business. Double check that your auto insurance policy is rated on how each vehicle is driven. If your policy improperly rates your Navigator can cost quite a bit.
  • Tickets mean higher rates – Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Even a single ticket can bump up the cost twenty percent or more. Drivers who get flagrant violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Bump up deductibles to save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Lincoln. Some instances where coverage would apply would be running into the backend of another car, damage from fire, and rolling your vehicle. Your deductibles are how much you are required to spend in the event of a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be for Navigator insurance.

When might I need the advice of an agent?

When it comes to buying coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation may require specific advice.

  • Am I covered if I wreck a rental car?
  • What should my uninsured motorist coverage limits be in my state?
  • How do I insure my teen driver?
  • Is other people’s property covered if stolen from my vehicle?
  • How many claims can I have before being cancelled?
  • Where can I find high-risk insurance?
  • Is a fancy paint job covered?
  • I have a DUI can I still get coverage?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

The insurance coverage bait and switch

Consumers can’t get away from ads for car insurance savings from companies such as Progressive, Allstate and Geico. All the ads say the same thing that you can save if you change your policy.

How does each company make almost identical claims? It’s all in the numbers.

All companies have a certain “appetite” for the driver that makes them money. A good example of a preferred risk might be between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” gets the lowest rates and therefore will save a lot of money.

Potential insureds who fall outside these standards will be quoted a higher premium which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save money. That’s why companies can truthfully make the claims of big savings.

This emphasizes why you need to get quotes from several different companies. It’s just too difficult to predict which company will provide you with the cheapest Lincoln Navigator insurance rates.

Insurance coverages 101

Having a good grasp of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Auto liability – This provides protection from damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, loss of income, funeral expenses, medical services and structural damage. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Lincoln Navigator.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for expenses for X-ray expenses, rehabilitation expenses, prosthetic devices, surgery and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, damage from flooding, rock chips in glass, theft and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – This coverage covers damage to your Navigator caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

A little work can save a LOT of money

In this article, we presented some good ideas how you can lower your 2006 Lincoln Navigator insurance rates. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the most savings is with the least-expected company. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

Discount insurance can be bought from both online companies in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

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