Lincoln Navigator Owners Uncover the Lowest Auto Insurance Rates

Buyers have options when searching for affordable Lincoln Navigator insurance. You can either waste hours driving around trying to get quotes or leverage the internet to get rate quotes. There is a better way to find auto insurance online so we’re going to tell you the absolute fastest way to quote coverages for a Lincoln and get the cheapest rates from local insurance agents and online providers.

Finding the best rates is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Consumers only need an understanding of the most efficient way to shop for auto insurance online.

Companies offer discounts so take them!

Companies that sell car insurance don’t list every available discount in an easy-to-find place, so the following is a list of both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit possible, you’re just leaving money on the table.

• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
• Defensive Driver – Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
• Claim Free – Claim-free drivers can earn big discounts when compared with bad drivers.
• Early Signing – A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
• Passive Restraints – Factory air bags can qualify for discounts of up to 25% or more.
• Life Insurance – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
• Low Mileage Discounts – Low mileage vehicles can earn a substantially lower rate.

Consumers should know that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.

Factors that might impact rates for a Lincoln Navigator

An important part of buying insurance is that you know the factors that go into determining your auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in big savings.

Listed below are a partial list of the pieces used by your company to calculate premiums.

• The type of vehicle makes a difference – The type of vehicle you drive makes a big difference in the rate you pay. The lowest base rates are generally reserved for economy passenger models, but the final cost of insurance is determined by many other factors. Due to the fact that the Lincoln Navigator is a luxury SUV, rates will be substantially more in price compared to average rates.
• Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. These vehicles result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you. If your Lincoln Navigator scored better than four stars on Safercar.gov it is probably cheaper to insure.
• Always keep insurance in force – Letting your insurance expire is a sure-fire way to increase your auto insurance rates. Not only will you pay more, failure to provide proof of insurance may earn you a revoked license or a big fine.
• Women pay lower rates – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Men and women are in accidents at about the same rate, but the males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.
• Marriage pays dividends – Being married actually saves money on auto insurance. It means you’re more mature and responsible and statistics show being married results in fewer claims.
• Big city or small town – Choosing to live in a rural area can be a good thing when buying auto insurance. Urban drivers have to deal with much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
• Don’t skimp on liability – The liability section of your policy is the coverage that protects you when you are found to be at fault for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
• Add-on coverages can add up – There are quite a few extra coverages that can waste your money on your Navigator policy. Coverages like personal injury protection, accident forgiveness and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so get rid of them and save.

Do I just need basic coverages?

When choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

• Who is covered by my policy?
• Does my Lincoln Navigator qualify for pleasure use?
• Should I buy more coverage than the required minimum liability coverage?
• What can I do if my company won’t pay a claim?
• Does coverage extend to a rental car in a foreign country?
• Is my babysitter covered when using my vehicle?
• What is the minimum liability in my state?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

The auto insurance bait and switch

Consumers can’t ignore all the ads for car insurance savings from the likes of GEICO, State Farm and Progressive. All the companies have a common claim that you can save if you switch your coverage to them.

But how can every company make the same claim?

All the different companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a preferred risk might be between 25 and 40, has no driving citations, and has a short commute. A customer who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Drivers who do not match this ideal profile must pay higher rates and this can result in business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully advertise the savings. This illustrates why you should compare as many rates as you can. It’s impossible to know which auto insurance company will fit your personal profile best.

Final considerations

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice collision coverage only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

In this article, we presented many ideas to shop for Lincoln Navigator insurance online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from a small local company.

Insureds switch companies for many reasons like delays in paying claims, high prices, unfair underwriting practices or even denial of a claim. Whatever your reason, switching companies is not as hard as you think.