How Much Does 2012 Lincoln Navigator Insurance Cost?

Are you a victim of an underperforming, overpriced insurance policy? Trust us, there are many consumers feeling the pinch from expensive insurance. There is such a variety of insurance companies to buy insurance from, and although it’s nice to be able to choose, it can be more challenging to locate the cheapest rates.

Buying the lowest cost coverage is simple if you know the tricks. If you have a current auto insurance policy or are looking for a new policy, you can learn to find the best rates and still get good coverage. Drivers just need to understand how to compare rates on the web.

Best discounts on Lincoln Navigator coverage

Car insurance is not cheap, but there could be available discounts to help offset the cost. Some discounts apply automatically when you purchase, but a few need to be specifically requested before you get the savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Safety Course Discount – Taking a defensive driving course can save you 5% or more if your company offers it.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Accident Forgiveness – A few companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Student in College – Youth drivers living away from home attending college and do not have a car can be insured at a reduced rate.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will help reduce the amount you have to pay.

Companies that possibly offer some of the above discounts may include but are not limited to:

Double check with each insurance company what discounts are available to you. All car insurance discounts may not apply in your state.

Why you might be paying too much to insure your Lincoln Navigator

Consumers need to have an understanding of the rating factors that play a part in calculating your auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with better auto insurance rates.

  • Frequent auto insurance claims increase rates – Car insurance companies provide cheaper rates to people who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Protect your assets with liability insurance – Liability insurance provides coverage in the event that you are found liable for damages caused by your negligence. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • No coverage gaps is important – Having an insurance coverage lapse will be a quick way to increase your auto insurance rates. Not only will you pay more, but not being able to provide proof of insurance may earn you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Men fork out a little more – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. They both have accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations such as DWI and reckless driving.
  • Where you reside plays a part – Residing in less populated areas is a positive aspect when it comes to auto insurance. Urban drivers have to deal with more traffic problems and a longer drive to work. Fewer drivers means fewer accidents.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as real estate brokers, architects and dentists tend to have the highest average rates attributed to high stress levels and lengthy work days. Other professions such as pilots, historians and homemakers receive lower rates on Navigator insurance.
  • Multi-policy discounts can save money – The majority of companies will give a discount to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Do you know you’re credit rating? – Your credit score is a large factor in your rate calculation. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower ratings. If your credit score is low, you could pay less to insure your 2012 Lincoln Navigator by repairing your credit.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. These are some specific questions might point out whether your personal situation will benefit from professional help.

  • What companies insure drivers after a DUI or DWI?
  • When would I need rental car insurance?
  • Am I covered when driving on a suspended license?
  • When should I remove comp and collision on my 2012 Lincoln Navigator?
  • Do I benefit by insuring my home with the same company?
  • Do I need roadside assistance coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I rate my 2012 Lincoln Navigator as pleasure use or commute?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for funeral costs, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Lincoln Navigator.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

This will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, bail bonds, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This coverage will pay to fix damage to your Navigator from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, crashing into a ditch, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Spend less. Save more.

Lower-priced 2012 Lincoln Navigator insurance is available online and with local insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer online price quotes and these small, regional companies work with independent agents.

In this article, we presented a lot of techniques to shop for insurance online. It’s most important to understand that the more you quote, the better your comparison will be. Consumers may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising. These companies may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.

Even more information is located in the articles below: