1999 Lincoln Navigator Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Trying to find the cheapest insurance rates for your Lincoln Navigator? Are you sick and tired of robbing Peter to pay Paul to buy car insurance? You are no different than millions of other consumers. There are many auto insurance companies to purchase coverage from, and although it’s nice to have a choice, it makes it harder to adequately compare rates.

It’s a good habit to compare prices every six months since insurance rates are variable and change quite frequently. Just because you had the best rates for Navigator insurance on your last policy the chances are good that you can find a lower rate today. Starting now, ignore everything you know about insurance because it’s time to teach you the things you must know in order to save money, get proper coverage and the best rates.

Finding the best rates is quite easy. If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Drivers only need an understanding of the best way to shop on the web.

Lots of discounts mean lots of savings

Companies do not list every discount in a way that’s easy to find, so we took the time to find both the well known and the more hidden car insurance savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Defensive Driver – Completing a course in driver safety could cut 5% off your bill if you qualify.
  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Drivers Education – Have your child successfully complete driver’s ed class in school.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Auto/Home Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

For a list of insurers with the best car insurance discounts, click here to view.

Situations that might require an agent

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help you determine whether you could use an agent’s help.

  • Am I covered when driving a rental car?
  • What vehicles should carry emergency assistance coverage?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when pulling a rental trailer?
  • At what point should I drop full coverage?
  • Am I covered if I break a side mirror?
  • Are my friends covered when driving my car?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Auto insurance 101

Having a good grasp of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like surgery, nursing services and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, vandalism, damage from flooding and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1999 Lincoln Navigator.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, rolling your car, damaging your car on a curb, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

And the best car insurance company is…

Discount 1999 Lincoln Navigator insurance can be sourced from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for auto insurance, you should never reduce needed coverages to save money. There have been many situations where someone sacrificed physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the best price, not the least amount of coverage.

For more information, feel free to browse these articles:

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