1998 Lincoln Navigator Insurance Cost – 9 Ways to Save

Looking for better insurance rates for your Lincoln Navigator? Finding better insurance prices for a Lincoln Navigator can turn out to be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to compare insurance rates and we’ll show you the proper way to get price quotes for a Lincoln and obtain the cheapest rates from both online companies and local agents.

Buy insurance coverage online

Most of the larger companies make it easy to get prices on their websites. Comparing rates online is quite easy as you simply enter the coverage amounts you desire into a form. Upon sending the form, their quoting system will order credit information and your driving record and provides a quote based on these and other factors.

Being able to quote online simplifies rate comparisons, but the process of having to visit a lot of sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest possible prices on insurance coverage.

Quote rates the easy way

The preferred way to find cheaper rates utilizes a single form to get prices from many companies. This type of form saves time, requires less work, and makes online price comparison a little more enjoyable. Once the form is submitted, it is rated with multiple companies and you can pick any one of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process can be completed in less than 10 minutes and could lower your rates considerably.

To save time and compare pricing, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended that you enter the limits and deductibles identical to your current policy. This helps ensure you’re receiving a price comparison for similar insurance coverage.

Can you really save that much by switching?

Consumers can’t ignore all the ads for the lowest price insurance by companies like 21st Century, Allstate and State Farm. All the ads have a common claim of big savings just by moving your policy.

How does each company offer drivers better rates? This is how they do it.

Different companies have specific criteria for the right customer that is profitable for them. For instance, this type of insured might be described as a female over age 40, has a low-risk occupation, and has excellent credit. Anyone that matches those criteria will get the preferred prices and have a good chance to save money with a new company.

Potential customers who fall outside the requirements will be quoted higher prices which usually ends up with the customer not buying. The ads say “people that switch” not “everyone that quotes” will save that much if they switch. That is how insurance companies can advertise the savings. This really drives home the point why drivers should compare price quotes frequently. It is impossible to guess which insurance company will give you the biggest savings.

Earn discounts on insurance coverage

Some insurance providers don’t always list all available discounts very well, so the below list has a few of the more common as well as the least known credits available to bring down your rates.

  • Senior Citizen Rates – Drivers over the age of 55 could receive lower premium rates for Navigator insurance.
  • Good Students Pay Less – Excelling in school can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Discount for Swiching Early – Select insurance companies give a discount for buying a new policy prior to your current policy expiration. This can save 10% or more.
  • Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction for Navigator insurance depending on your company.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school.
  • Theft Deterent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
  • Homeowners Pay Less – Being a homeowner can save you money since owning and maintaining a home shows financial diligence.
  • Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount because new vehicles are generally safer.
  • Drive Safe and Save – Safe drivers can save as much as half off their rates for Navigator insurance compared to accident prone drivers.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will reduce your premiums.

If you would like to choose from a list of insurance coverage companies with significant discounts, click here to view.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • How high should my medical payments coverage be?
  • Should I buy additional glass protection?
  • What companies insure drivers after a DUI or DWI?
  • How much underlying liability do I need for an umbrella policy?
  • Do I benefit by insuring my home with the same company?
  • Is my 1998 Lincoln Navigator covered for smoke damage?
  • How much liability coverage do I need in my state?
  • Why does it cost so much to insure a teen driver?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverages 101

Having a good grasp of your car insurance policy aids in choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1998 Lincoln Navigator.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense coverage – Med pay and PIP coverage reimburse you for bills such as chiropractic care, surgery, ambulance fees and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage covers damage to your Navigator from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, damaging your car on a curb, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Coverage for liability – This coverage can cover damage that occurs to other’s property or people that is your fault. 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 values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, legal defense fees, medical services and court costs. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive protection – This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and hitting a bird. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Find Good Coverage for Less

The cheapest 1998 Lincoln Navigator insurance is attainable online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not provide online price quotes and these small insurance companies only sell through independent insurance agents.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice full coverage only to regret that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage for the lowest cost.

We just covered many ideas to reduce 1998 Lincoln Navigator insurance premium rates online. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers may even find the most savings is with a smaller regional carrier.

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