Cheapest 2006 Lincoln Navigator Insurance Rates in 2023
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UPDATED: Dec 16, 2022
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Trying to find lower insurance rates for your Lincoln Navigator? Overwhelmed by the sheer number of insurance choices? You’re not the only one! Consumers have so many options available that it can turn into a real hassle to locate the lowest price.
If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. Finding affordable coverage is easy if you know what you’re doing. But consumers need to learn the way insurance companies sell insurance online.
How to Compare Car Insurance
To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. The best way to find the cheapest 2006 Lincoln Navigator insurance rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.
One of the simplest ways consumers can analyze rates is to use a rate comparison form click here to open form in new window. This method keeps you from doing repetitive form entry to each individual car insurance company. Taking the time to complete one form compares rates from several companies. This is perfect if you don’t have a lot of time.
A more time consuming way to analyze rates requires a visit to each individual company website and complete a new quote form. For examples sake, let’s assume you want comparison quotes from GEICO, State Farm and American Family. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method.
For a handy list of car insurance company links in your area, click here.
The least recommended way to get comparison rates is to spend time driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the professional advice that only a license agent can provide. Drivers can obtain prices from the web but still have the advice of a local agent. We’ll cover that shortly.
It’s up to you which method you use, but make sure you use exactly the same coverages for every company. If you use mixed coverages you will not be able to make a fair comparison for your Lincoln Navigator. Slightly different limits can make a big difference in price. And when comparison shopping, quoting more gives you a better chance of getting lower pricing.
Get lower rates on 2006 Lincoln Navigator insurance
Companies don’t list every discount very well, so we researched both well-publicized and the more hidden ways to save on auto insurance.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
- Paperwork-free – A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
- Bundle and Save – When you have multiple policies with the same company you may earn at least 10% off all policies.
- Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Navigator coverage than less cautious drivers.
- Discount for Life Insurance – Some companies give better rates if you take out auto and life insurance together.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
- Government Employees – Employees or retirees of the government could cut as much as 10% off on Navigator coverage depending on your company.
It’s important to note that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
Car insurance companies who might offer these discounts may include but are not limited to:
It’s a good idea to ask each insurance company which discounts they offer. Savings may not be available in your state.
Lesser-known factors impacting Lincoln Navigator insurance rates
An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.
- Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
- Frequent auto insurance claims increase rates – Auto insurance companies give cheaper rates to people who file claims infrequently. If you tend to file frequent claims, you can definitely plan on higher rates. Car insurance is designed for the large, substantial claims.
- Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men tend to get into accidents in similar numbers, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
- Little extras can really add up – There are a ton of extra coverages that can waste your money on your Navigator policy. Coverages for personal injury protection, accident forgiveness and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate them to save money.
- Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Lincoln is rated at least four stars on Safercar.gov it may be receiving lower rates.
- Older drivers save more – Mature drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers tend to get distracted easily in a vehicle therefore auto insurance rates are much higher.
Tailor your coverage to you
When choosing coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.
Here are some questions about coverages that might point out if you may require specific advice.
- Am I covered if hit by an uninsured driver?
- Will filing a claim cost me more?
- What are the best liability limits?
- When should I remove comp and collision on my 2006 Lincoln Navigator?
- Does my policy pay for OEM or aftermarket parts?
- Do I need added coverage for expensive stereo equipment?
- Is business equipment covered while in my vehicle?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Do drivers who switch really save?
Insurance coverage providers like 21st Century, Allstate and State Farm continually stream television and radio advertisements. They all have a common claim that you’ll save big after switching your policy. But how can every company make almost identical claims?
Insurance companies have a certain “appetite” for the driver that makes them money. For instance, a profitable customer might be profiled as a mature driver, has no driving citations, and has a short commute. Any driver who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.
Potential insureds who don’t qualify for the requirements will be quoted higher premiums and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save money. That’s why companies can truthfully make those claims. This emphasizes why you should compare as many rates as you can. It is impossible to predict which company will fit your personal profile best.
Information about specific coverages
Knowing the specifics of your insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2006 Lincoln Navigator.
Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Coverage for medical expenses
Coverage for medical payments and/or PIP reimburse you for immediate expenses such as surgery, dental work, hospital visits, rehabilitation expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Collision insurance pays for damage to your Navigator resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like colliding with a tree, backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.
Liability insurance can cover damage or injury you incur to a person or their property in an accident. It 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. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability can pay for claims like court costs, pain and suffering and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.
This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as vandalism, a tree branch falling on your vehicle, damage from flooding, damage from getting keyed and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Power to the consumer
Budget-conscious 2006 Lincoln Navigator insurance can be bought on the web as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who don’t offer online quoting and these small, regional companies work with independent agents.
While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at a price you can afford.
Insureds switch companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, high rates after DUI convictions or even denial of a claim. Whatever your reason, finding a new car insurance company is not as difficult as it may seem.
For more information, take a look at the following helpful articles:
- How to Avoid Common Accidents (State Farm)
- Get the Right Protection (InsureUonline.org)
- Vehicle Insurance (Wikipedia)
- Young Drivers: The High Risk Years Video (iihs.org)
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