View 2011 Lincoln Navigator Insurance Quotes

I can’t think of anyone who likes paying for insurance, particularly when their premiums are through the roof.

With so many different company options, it can be impossible to find the right company.

It’s a good idea to do price comparisons quite often because prices fluctuate regularly. Just because you found the lowest rate on Navigator coverage a year ago other companies may now be cheaper. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best methods to find better coverage at a better price.

Why informed drivers pay less for Lincoln Navigator insurance

Multiple criteria are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but others are not quite as obvious like your continuous coverage or how safe your car is.

  • Safer vehicles are cheaper to insure – Safer cars tend to have lower insurance rates. The safest vehicles reduce the chance of injuries and any reduction in injury severity means your insurance company pays less and lower rates for you.
  • Bump up physical damage deductibles to lower rates – Physical damage deductibles define the amount you are required to spend if a claim is determined to be covered. Coverage for physical damage, also called ‘full coverage’, protects your car from damage. A few examples of covered claims are colliding with a stationary object, vandalism, and having a roll-over accident. The larger the amount you’re willing to pay, the bigger discount you will receive on Navigator coverage.
  • A lauto insurance lapse is a bad thing – Allowing your auto insurance policy to lapse is a guaranteed way to pay more for auto insurance. Not only will you pay more, not being able to provide proof of insurance could result in a fine, jail time, or a revoked license. You will then be forced to file a SR-22 with your state department of motor vehicles.
  • Driving citations drive up rates – Your driving citation history has a huge affect on how much you pay. Only having one driving citation may increase your cost by as much as thirty percent. Careful drivers receive lower rates as compared to careless drivers. Drivers with multiple citations such as hit and run, DWI or reckless driving convictions may be required to prove financial responsibility with their state DMV in order to prevent a license revocation.
  • Where you live plays a part – Choosing to live in less populated areas can be a good thing when it comes to auto insurance. Urban drivers regularly have traffic congestion and more severe claims. Lower population corresponds to lower accident rates and lower theft and vandalism rates.
  • Too many insurance claims and you’ll pay more – Companies award the lowest premiums to people who only file infrequent claims. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended for claims that pose a financial burden.

Lower-cost auto insurance quotes with discounts

Some insurance providers don’t always publicize every available discount in a way that’s easy to find, so the following list contains some of the more common and the more hidden credits available to bring down your rates.

  • Telematics Devices – Policyholders that allow driving data submission to monitor when and where they use their vehicle remotely like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they exhibit good driving behavior.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for better auto insurance rates on Navigator coverage.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Professional Memberships – Belonging to a qualifying organization is a simple method to lower premiums when shopping for auto insurance.
  • Distant Student Discount – Older children who live away from home to go to college and do not have a car may qualify for this discount.
  • Military Discounts – Being deployed in the military could be rewarded with lower prices.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Navigator coverage with a few auto insurance companies.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
  • Accident Free – Good drivers with no accidents are rewarded with significantly better rates on car insurance quote as compared to drivers who are more careless.

Remember that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.

A few popular companies and some of the premium reductions they offer are:

  • Farm Bureau has savings for youthful driver, safe driver, renewal discount, multi-vehicle, multi-policy, and good student.
  • Liberty Mutual offers discounts including hybrid vehicle, new graduate, newly retired, teen driver discount, new vehicle discount, and new move discount.
  • State Farm may offer discounts for defensive driving training, passive restraint, safe vehicle, Drive Safe & Save, and multiple policy.
  • Auto-Owners Insurance may have discounts that include company car, multiple vehicles, anti-theft, mature driver, teen driver, and safe vehicle.
  • GEICO may include discounts for multi-policy, emergency military deployment, anti-lock brakes, membership and employees, multi-vehicle, and defensive driver.
  • SAFECO has discounts for safe driver, multi-car, teen safety rewards, anti-theft, and teen safe driver.

If you need lower rates, check with every prospective company which discounts you may be entitled to. Some discounts listed above may not be offered in your area. To find insurers with the best auto insurance discounts, click this link.

Tailor your insurance coverage coverage to you

When buying adequate coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help highlight whether you would benefit from professional advice.

  • Is my babysitter covered when using my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Is a blown tire covered by insurance?
  • Does liability extend to a camper or trailer?
  • Am I covered when driving a rental car?
  • Am I getting all the discounts available?
  • How can I find cheaper teen driver insurance?
  • Which companies will insure high-risk drivers?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average auto insurance policy.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on people or other property. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like funeral expenses, pain and suffering, legal defense fees, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for collisions

This coverage covers damage to your Navigator from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 2011 Lincoln Navigator.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This pays for 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 can pay for things such as damage from a tornado or hurricane, fire damage and falling objects. The most your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for EMT expenses, chiropractic care, nursing services and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

More comparisons equals lower rates

The cheapest 2011 Lincoln Navigator insurance can be bought both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don’t offer internet price quotes and usually these regional insurance providers only sell through independent agencies.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured cut full coverage and discovered at claim time that it was a big error on their part. Your objective should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

More articles