Cheap 2009 Lincoln Navigator Car Insurance Rates

Locating low-cost insurance for your Lincoln Navigator could be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to shop for insurance so you’re going to learn the absolute fastest way to compare rates for a new or used Lincoln and find the lowest possible price either online or from local insurance agents.

It’s a great practice to compare rates on a regular basis because insurance rates fluctuate regularly. Just because you had the lowest rates on Navigator coverage last year you may be paying too much now. Starting now, ignore everything you know about insurance because I’m going to teach you the right way to find better rates and still maintain coverage.

The quickest way to compare car insurance rates is to know the fact most insurance companies provide online access to give free rates quotes. To start a quote, the only thing you need to do is provide a little information like the ages of drivers, level of coverage desired, whether your vehicle is owned or leased, and if you require a SR-22. That rating data is instantly sent to many highly-rated insurers and you get price estimates quickly.

Pay less for Lincoln Navigator insurance

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but some must be requested specifically before you will receive the discount. If you aren’t receiving every discount available, you are throwing money away.

  • Clubs and Organizations – Belonging to a civic or occupational organization could trigger savings on your policy on Navigator coverage.
  • Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.
  • Resident Student – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Defensive Driving Course – Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will help reduce the amount you have to pay.

Companies that possibly offer these discounts include:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts may not apply in your area.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can help discover whether your personal situation may require specific advice.

  • Where can I find high-risk insurance?
  • Am I covered when delivering products for my home-based business?
  • Can I still get insurance after a DUI?
  • Can I drive in Mexico and have coverage?
  • Why do I only qualify for high-risk insurance?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Lincoln Navigator rate determination is complex

An important part of buying insurance is that you know the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

  • Low deductibles can be expensive – Deductibles for physical damage represent how much money you are required to spend before your auto insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply would be colliding with a building, damage caused by hail, or theft. The more you are required to pay out-of-pocket, the lower your rates will be on Navigator coverage.
  • Multiple policies with one company can save – Some insurance companies give discounts to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. If you currently are using one company, you may still want to shop around to ensure the best deal.
  • Rates may be higher depending on your occupation – Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, architects and stock brokers have the highest rates attributed to high stress and long work hours. On the other hand, occupations such as scientists, students and performers get better rates on Navigator coverage.
  • Your location is important – Living in a small town is a positive aspect when it comes to auto insurance. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident.
  • Liability coverage protects you – Your policy’s liability coverage is the coverage that protects you when a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Better credit means lower rates – Your credit rating is a big factor in determining your rates. People with good credit tend to be more responsible than drivers with lower credit scores. Therefore, if your credit can use some improvement, you could be paying less to insure your 2009 Lincoln Navigator by repairing your credit.

Auto insurance ads bend the truth

Consumers constantly see and hear ads for car insurance savings by companies like Geico, State Farm and Progressive. They all seem to make the same claim that you can save if you move to them.

How does each company claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the right customer that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A driver who fits that profile will get very good rates and most likely will save a lot of money.

Consumers who don’t meet this ideal profile must pay more money and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save money. That is how companies can truthfully advertise the savings.

This illustrates why you absolutely need to compare as many rates as you can. Because you never know which company will have the lowest Lincoln Navigator insurance rates.

Insurance coverage considerations

Having a good grasp of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Lincoln Navigator.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, fire damage, a broken windshield and hitting a deer. The highest amount 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 consider dropping full coverage.

Collision insurance

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

Collision can pay for things like damaging your car on a curb, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability

This provides protection from damage or injury you incur to other people or property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, 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 that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair bills for other people’s vehicles, funeral expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like rehabilitation expenses, ambulance fees and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover 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

Shop. Compare. Save.

We covered a lot of techniques to save on 2009 Lincoln Navigator insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a smaller regional carrier.

Drivers who switch companies do it for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, high rates after DUI convictions and poor customer service. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

When you buy insurance online, do not buy less coverage just to save a little money. There are many occasions where someone sacrificed physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.

Much more information about car insurance can be read on the following sites: