Lower Your 2013 Lincoln Navigator Car Insurance Rates

Finding low cost prices on Driverscar insurance can seem to be slightly frustrating for drivers who are beginners to buying insurance online. Consumers have so many different companies and agents to choose from that it can easily be hard work to compare rates.

Consumers need to get comparison quotes at least once a year because rates are adjusted regularly by insurance companies. If you had the best premium rates on Navigator coverage on your last policy the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because you’re about to learn the best way to properly buy coverages while reducing your premium.

Take advantage of every car insurance discount

Some companies do not advertise every available discount very clearly, so we took the time to find some of the best known and the more hidden ways to save on car insurance.

  • Own a Home and Save – Just owning your own home can help you save on car insurance since home ownership requires personal responsibility.
  • Buy New and Save – Insuring a new car is cheaper due to better safety requirements for new vehicles.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower car insurancerates if you buy some life insurance in addition to your auto policy.
  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Driving Data Discount – Insureds that choose to allow their insurance company to analyze where and when they drive by installing a telematics device such as Progressive’s Snapshot could see a rate decrease if their driving habits are good.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

A list of car insurance companies and their possible discounts are shown below.

  • Progressive offers discounts including multi-vehicle, good student, online quote discount, continuous coverage, and homeowner.
  • Farmers Insurance discounts include bundle discounts, youthful driver, distant student, good student, electronic funds transfer, alternative fuel, and teen driver.
  • Farm Bureau may have discounts that include safe driver, 55 and retired, youthful driver, multi-policy, driver training, and renewal discount.
  • State Farm offers discounts for accident-free, multiple policy, Drive Safe & Save, safe vehicle, and anti-theft.
  • GEICO includes discounts for membership and employees, anti-lock brakes, emergency military deployment, multi-vehicle, federal employee, defensive driver, and seat belt use.
  • SAFECO may include discounts for anti-theft, teen safe driver, anti-lock brakes, homeowner, and multi-car.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, good student, newly married, new move discount, hybrid vehicle, safety features, and exclusive group savings.

If you want cheaper car insurance quotes, ask every insurance company what discounts are available to you. Depending on the company, some discounts may not be offered in your area. To see car insurance companies that offer the discounts shown above, follow this link.

How to know if you need help

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation will benefit from professional help.

  • Does car insurance cover theft of personal property?
  • Is a new car covered when I drive it off the dealer lot?
  • How do I insure my teen driver?
  • How can I get high-risk coverage after a DUI?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my policy pay for OEM or aftermarket parts?
  • What is an SR-22 filing?
  • How does medical payments coverage work?
  • Is business property covered if stolen from my car?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form.

Specific coverage details

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lincoln Navigator.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, damage from flooding, fire damage, falling objects and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

This coverage pays for damage to your Navigator from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability

This coverage protects you from injuries or damage you cause to a person or their property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for things like EMT expenses, surgery and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

A penny earned…

Lower-priced 2013 Lincoln Navigator insurance is available both online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance companies don’t offer internet price quotes and most of the time these regional insurance providers sell through independent agents.

As you quote car insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. The goal is to find the BEST coverage for the lowest price while still protecting your assets.

Consumers switch companies for a variety of reasons including unfair underwriting practices, poor customer service, not issuing a premium refund and even policy non-renewal. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

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