How Much Does 2005 Lincoln Navigator Insurance Cost?

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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: Dec 14, 2021

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Are you intimidated by the crazy number of insurance coverage choices? Lot’s of other consumers are too. Consumers have so many choices that it can easily become more work than you anticipated to find the perfect company for you.

Policy discounts you shouldn’t miss

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but a few must be specifically requested prior to getting the savings.

  • Accident Free – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
  • Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy on their website.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • New Car Discount – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Homeowners Savings – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
  • Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.

Keep in mind that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will cut your premiums.

Insurance Prices Online

Comparing insurance rates can be a lot of work if you don’t understand the best way to get rate quotes. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use online quoting to achieve your goal.

Most major companies enroll in a system that allows shoppers to submit their information once, and each company returns a rated price determined by their information. This system prevents you from having to do quotation requests for each company.

To find out how much you can save on insurance click to open in new window.

Whichever method you choose, compare the exact same quote information for each price quote. If you are comparing different limits and deductibles on each one you can’t possibly determine which rate is truly the best. Quoting even small variations in limits may result in large price differences. It’s important to know that comparing a large number of companies will increase your chances of finding the best rates.

Your Lincoln Navigator insurance rate is a complex equation

An important part of buying insurance is that you know the factors that help determine the rates you pay for insurance. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with big savings.

  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for insurance? Occupations like doctors, social workers and accountants are shown to have higher rates than average in part from high stress and long work days. On the flip side, professions such as actors, athletes and performers pay the least for Navigator insurance.
  • Protect your assets with liability insurance – Liability coverage will protect you in the event that a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Bump up deductibles to save – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Lincoln. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, and burglary. Physical damage deductibles are how much you are willing to pay out-of-pocket before your insurance pays a claim. The more money the insured has to pay upfront, the lower your rates will be for Navigator insurance.
  • Where you reside plays a part – Living in a rural area can be a good thing when buying insurance. City drivers have to deal with much more traffic and longer commute times. Fewer people means a lower chance of having an accident.
  • Lower rates come with age – Young drivers tend to be more careless behind the wheel so insurance rates are higher. Parents adding a teenage driver onto a policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.

Insurance agents can help

When buying the right insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

  • Does coverage extend to my business vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When do I need to add a new car to my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What happens if I owe more than my 2005 Lincoln Navigator is worth?
  • What is no-fault insurance?
  • Do I need more liability coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Do you really save 40% when you switch?

State Farm, GEICO and Progressive continually stream television and radio advertisements. All the companies make an identical promise that you can save after switching to their company. How do they all make the same claim?

All companies have a certain “appetite” for the type of driver that makes them money. For example, a driver they prefer might be between 25 and 40, has no prior claims, and chooses high deductibles. Any new insured who matches those parameters is entitled to the best price and therefore will save quite a bit of money when switching.

Potential insureds who are not a match for the requirements will have to pay more money and this can result in the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently claim big savings.

Because of the profiling, drivers should get a wide range of price quotes. You cannot predict the company that will fit your personal profile best.

Auto insurance coverage considerations

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, vandalism and falling objects. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

This coverage will pay to fix damage to your Navigator from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like prosthetic devices, pain medications and rehabilitation expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Lincoln Navigator.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability auto insurance

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people, and 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. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as attorney fees, funeral expenses and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

And the best car insurance company is…

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured cut collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best price, not the least amount of coverage.

People change insurance companies for a variety of reasons including not issuing a premium refund, poor customer service, denial of a claim or delays in paying claims. Regardless of your reason for switching companies, switching insurance companies can be less work than you think.

We just showed you many ideas to shop for 2005 Lincoln Navigator insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the biggest savings come from a small local company.

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