2002 Lincoln Navigator Insurance Rates – 9 Ways to Save

I doubt anyone is fond of buying car insurance, especially knowing they could get a better deal. Having so many options, it’s difficult to pick the lowest price insurer.

You should make it a habit to get comparison quotes before your next renewal because insurance rates are adjusted regularly by insurance companies. Just because you found the lowest premium rates on Navigator insurance two years ago the chances are good that you can find a lower price today. You can find a lot of wrong information about car insurance online, but by reading this article, you’re going to learn some good information on how to find cheap car insurance.

Finding affordable coverage is not that difficult. If you currently have car insurance, you will be able to lower your premiums substantially using these tips. Drivers only need an understanding of the proper way to get comparison quotes online.

Car insurance quotes comparison

Getting a low cost price on 2002 Lincoln Navigator insurance is a great way to save money. Just take a couple of minutes to get quotes to find the company with affordable insurance quotes. Comparing prices online can be done in just a few minutes using one of these methods.

  1. The fastest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do a different quote to each individual car insurance company. In just a few minutes this one form will return quotes from multiple companies.
  2. A slightly less efficient method to find better pricing is going to each individual company website and complete a new quote form. For instance, we’ll assume you want to see prices from Liberty Mutual, GEICO and Progressive. To find out each rate you need to spend time on each company’s site and repeatedly type in your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

Whichever way you use, do your best to use the exact same deductibles and coverage limits for every company. If each company quotes different liability limits it’s impossible to make a fair rate comparison.

When do I need an agent’s advice?

When it comes to choosing the best car insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For instance, these questions can aid in determining whether you might need professional guidance.

  • Can I still get insurance after a DUI?
  • Do I need replacement cost coverage on my 2002 Lincoln Navigator?
  • Do I need added coverage for expensive stereo equipment?
  • How much liability coverage do I need in my state?
  • Which is better, split liability limits or combined limits?
  • Is there coverage for injuries to my pets?
  • Should I have a commercial auto policy?
  • How do I insure my teen driver?
  • What is medical payments coverage?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Educate yourself about auto insurance coverages

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, vandalism, damage from getting keyed, a tree branch falling on your vehicle and hitting a deer. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Lincoln Navigator.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability car insurance – Liability coverage can cover damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like medical expenses, court costs, emergency aid and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This coverage covers damage to your Navigator from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like rehabilitation expenses, doctor visits, X-ray expenses, surgery and funeral costs. They can be 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 as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage