2008 Lincoln Navigator L Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us, there are lots of people in the same boat. Drivers have multiple insurers to buy insurance from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to find the best rates for your vehicles.

It’s a great practice to compare rates at least once a year due to the fact that insurance rates trend upward over time. Just because you had the best price on Navigator L insurance six months ago there may be better deals available now. There is a lot of bad information regarding car insurance on the web, but with this article, you’re going to get some great ideas on how to slash your car insurance rates.

Buying more affordable auto insurance is simple if you know the tricks. If you have a policy now or need a new policy, you can use this information to get lower rates while maintaining coverages. Vehicle owners just need to understand the proper way to find the lowest price online.

How to Get Insurance Coverage Comparison Quotes

Comparing insurance coverage rates is a ton of work if you don’t know the most efficient way to do it. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the web to get pricing more quickly.

Many of the larger companies take part in a program that enables customers to send in one quote, and every company returns a rated price based on the submitted data. This prevents consumers from doing repetitive form submissions to each company.

To compare 2008 Lincoln Navigator L rates using this form now click here to open in new window.

The only drawback to pricing coverage this way is you don’t know exactly the providers to receive prices from. So if you prefer to pick from a list of companies for rate comparison, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

Which method you use is up to you, but ensure you are comparing exactly the same coverage limits with every price quote. If the quotes have different deductibles it will be very difficult to determine the best price for your Lincoln Navigator L.

Discounts are available to cut your rates

Car insurance can cost a lot, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but less common discounts must be requested specifically before they will apply. If you don’t get every credit possible, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Distant Student – Any of your kids who live away from home and don’t have a car may be able to be covered for less.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on Navigator L insurance with select insurance companies.

It’s important to understand that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

Car insurance companies that possibly offer these discounts may include but are not limited to:

Before buying, ask every prospective company how you can save money. Discounts might not apply in every state.

Factors that can influence insurance rates for a Lincoln Navigator L

It’s important that you understand the rating factors that come into play when calculating your insurance coverage rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get lower insurance coverage prices.

  • Better crash test results mean better rates – Safer cars tend to have better insurance rates. The safest vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If the Lincoln Navigator L has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Multi-policy discounts can save money – Some insurers will give a discount to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • You might want pay the small claims yourself – Companies give discounts to policyholders who file claims infrequently. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Tickets mean higher rates – A bad driving record has a lot to do with how much you pay for insurance. Careful drivers have lower premiums than bad drivers. Even a single moving violation can boost insurance rates forty percent or more. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • High deductibles save money – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Lincoln from damage. A few examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to spend in the event of a claim. The more you have to pay, the less your insurance coverage will be on Navigator L insurance.
  • Never go without insurance – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your insurance expire. Not only will you pay more, failure to provide proof of insurance might get you a steep fine or even jail time.

Everyone needs different coverages

When it comes to buying the best insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions could help you determine whether your personal situation might need professional guidance.

  • Will my rates increase for filing one claim?
  • Why do I need rental car insurance?
  • Does insurance cover tools stolen from my truck?
  • What is no-fault insurance?
  • Should I buy full coverage?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Insurance myths debunked

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm, Geico and Progressive. They all seem to have a common claim of big savings if you change to them.

How can each company make almost identical claims?

Insurance companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A customer who meets those qualifications will get very good rates and is almost guaranteed to save when they switch companies.

Potential customers who are not a match for this ideal profile will be charged higher premiums which leads to business going elsewhere. The ad wording is “customers who switch” but not “drivers who get quotes” save that kind of money. This is how companies can truthfully make the claims of big savings.

That is why drivers must get as many quotes as possible. You cannot predict the company that will have the lowest Lincoln Navigator L insurance rates.

Information about specific coverages

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages offered by auto insurance companies.

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

Collision coverage pays for claims like damaging your car on a curb, rolling your car, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for short-term medical expenses such as ambulance fees, pain medications, hospital visits and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2008 Lincoln Navigator L.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, hitting a deer and falling objects. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance – This protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as repair bills for other people’s vehicles, medical services, structural damage and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Cheaper insurance is a realistic goal

We just showed you many ideas to lower your 2008 Lincoln Navigator L insurance rates. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with an unexpected company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

Low-cost insurance is available from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, never reduce needed coverages to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to regret that it was a big mistake. Your goal should be to buy a smart amount of coverage for the lowest price.

More information is available on the following sites: