2015 Lincoln Navigator Insurance Cost

Drivers have a choice when trying to find low-cost Lincoln Navigator insurance. They can either waste time contacting agents getting price quotes or use the internet to compare rates. There are both good and bad ways to find insurance online and you need to know the quickest way to price shop coverage on a Lincoln and find the best price possible either online or from local insurance agents.

Insurance Comparisons

There are several ways to shop for Lincoln Navigator insurance, but one way is more efficient than others. You could spend your day driving to insurance agencies in your area, or you could save time and use online quoting to maximize your effort.

Most car insurance companies belong to an insurance system where prospective buyers submit their information once, and every company provides a quote. This prevents consumers from doing quote forms for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The single downside to pricing coverage this way is you don’t know exactly which companies to get pricing from. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of low cost insurance companies in your area. Click to view list.

Which method you use is up to you, but compare the exact same deductibles and coverage limits for every quote you compare. If your comparisons have unequal deductibles or liability limits it’s impossible to find the best deal for your Lincoln Navigator.

Take advantage of discounts

Auto insurance companies do not list every discount in an easy-to-find place, so we researched both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings on insurance on Navigator coverage.
  • Student in College – Kids in college who live away from home and don’t have a car may be able to be covered for less.
  • Homeowners Pay Less – Owning a house may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.

It’s important to understand that most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

A partial list of companies that possibly offer these discounts may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Savings might not be offered everywhere.

How to know if you need help

When choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions can aid in determining if you might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • Does insurance cover tools stolen from my truck?
  • How can I force my company to pay a claim?
  • Do I need PIP (personal injury protection) coverage in my state?
  • I have a DUI can I still get coverage?
  • How much liability insurance is required?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage information

Having a good grasp of a car insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision coverages – Collision insurance pays for damage to your Navigator from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, damage from getting keyed, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability car insurance – Liability insurance protects you from damage that occurs to other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things like loss of income, court costs, attorney fees, emergency aid and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like hospital visits, X-ray expenses, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible