Cheapest 2001 Lincoln Navigator Insurance Rates in 2023
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UPDATED: May 12, 2022
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Want lower insurance coverage rates? Drivers have options when trying to find affordable Lincoln Navigator insurance. They can either spend hours calling around trying to get quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance coverage and you need to know the proper way to compare rates for a new or used Lincoln and get the lowest price.
It’s a good habit to get comparison quotes before your policy renews because rates are rarely the same from one policy term to another. Even if you got the lowest price for Navigator insurance two years ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn the best way to eliminate unnecessary coverages and save money.
Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Consumers just need to understand the most effective way to get comparison rates online.
Are you getting all your discounts?
Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit possible, you are throwing money away.
- Senior Discount – Older drivers can possibly qualify for a discount up to 10% for Navigator insurance.
- Multi-policy Discount – If you have multiple policies with one company you will save approximately 10% to 15%.
- Discount for Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings up to 30%.
- No Claims – Claim-free drivers pay less compared to drivers who are more careless.
As a disclaimer on discounts, some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
To see a list of insurers with discount auto insurance rates, click here to view.
Tailor your coverage to you
When buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.
For instance, these questions can aid in determining whether or not you may require specific advice.
- Am I covered if I hit my neighbor’s mailbox?
- Is my 2001 Lincoln Navigator covered for flood damage?
- What if I owe more than I can insure my car for?
- Do all my vehicles need collision coverage?
- Am I covered when driving a rental car?
- Am I covered if I drive in a foreign country?
- Am I covered if hit by an uninsured driver?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.
Specifics of your car insurance policy
Learning about specific coverages of car insurance aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.
Auto liability insurance – Liability insurance can cover injuries or damage you cause to people or other property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability coverage protects against claims such as court costs, 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 buy as much as you can afford.
Collision coverages – This will pay to fix damage to your Navigator resulting 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 things such as scraping a guard rail, crashing into a building and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like theft, damage from getting keyed, hitting a deer, a broken windshield and vandalism. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Lincoln Navigator.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for things like surgery, pain medications and doctor visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Don’t throw your cash in the trash
While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice collision coverage and discovered at claim time that it was a big mistake. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Drivers change insurance companies for many reasons like poor customer service, delays in responding to claim requests, an unsatisfactory settlement offer or even lack of trust in their agent. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.
Lower-priced 2001 Lincoln Navigator insurance is possible from both online companies as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.
To learn more, link through to the following helpful articles:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Distracted Driving Statistics (Insurance Information Insitute)
- Information for Teen Drivers (GEICO)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
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