Cheaper 2017 Lincoln Navigator Insurance Rates

Drivers have options when trying to find affordable Lincoln Navigator insurance. You can either spend your time driving around getting price quotes or leverage the internet to make rate comparisons.

There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to get price quotes for a new or used Lincoln and get the lowest possible price from both online companies and local agents.

It is always a good idea to do price comparisons before your policy renews due to the fact that insurance prices change frequently. Despite the fact that you may have had the lowest price for Navigator insurance two years ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you’re about to learn the tricks you need to know to find better rates and still maintain coverage.

Which insurance coverage is cheapest?

Finding low cost 2017 Lincoln Navigator insurance coverage rates is actually easier than you may think. You just have to spend a few minutes comparing rates provided by online insurance companies. It’s really simple and can be done in a couple of different ways.

  • One of the fastest ways to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This style of form prevents you from having to do multiple quote forms for every prospective company. Completing one form gets prices estimates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  • Another way to analyze rates is spending the time to visit the website for each individual company and repeat the quote process again and again. For example, we’ll pretend you want to get rates from State Farm, Liberty Mutual and GMAC. You would be required to go to every website to input your insurance information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.
  • The least efficient way to price shop rates is driving to all the different insurance agencies. The ability to quote online makes this unnecessary unless you want the professional abilities of a local agent. Drivers can comparison shop your insurance online but buy the policy through an agent.

Which method you use is up to you, but be sure you’re using the same coverage information for each comparison quote. If you enter mixed coverages it will be very difficult to decipher which rate is best.

Insurance advertisements

Consumers can’t escape the ads for insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to try to convey promises that drivers will save a bundle after switching your coverage to them.

How is it possible that every company can sell you cheaper insurance coverage? It’s all in the wording.

Insurance companies have strict underwriting profiles for the type of driver that earns them the most money. A good example of a desirable insured may be married and over the age of 30, carries full coverage, and drives less than 5,000 miles a year. Anyone that meets those criteria will get very good car insurance rates and will also save money with a new company.

Potential insureds who fall outside those criteria must pay higher premium rates which leads to the driver buying from a lower-cost company. Company advertisements say “drivers that switch” not “everyone who quotes” can save as much as they claim. That’s why insurance companies can make claims that they all have the best car insurance rates.

Because each company has a different risk profile, you need to get as many free insurance quotes as possible. Because you never know which insurance company will fit you best based on your risk profile.

Informed consumers can lower insurance rates

Many different elements are used when you get your auto insurance bill. Some are obvious like your driving record, but other factors are more obscure such as your credit history or your commute time.Consumers need to have an understanding of the rating factors that aid in calculating your insurance coverage rates. If you have a feel for what controls the rates you pay, this allows you to make good choices that can help you get better insurance coverage rates.

The items below are some of the most rate-impacting factors insurance coverage companies consider when setting prices.

  • Pay less after the wedding – Having a wife or husband may save some money when buying insurance coverage. Marriage means you’re more responsible and it’s proven that being married results in fewer claims.
  • When should you file a claims? – Car insurance companies provide the lowest premiums to insureds who file claims infrequently. If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • How many coverages with the same company – Lots of insurance companies will give discounts to customers that have more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, you still need to check prices from other companies to make sure you are getting the best deal.
  • Don’t let your policy lapse – Letting your insurance expire can be a fast way to drive up your policy premiums. Not only will you pay higher rates, getting caught without coverage can result in a steep fine or even jail time. You could then be forced to file a SR-22 with your state department of motor vehicles.

Get cheaper rates by receiving discounts

Some providers don’t always publicize all their discounts very well, so we break down some of the best known in addition to some of the lesser obvious discounts that may be available.

  • Auto/Life Discount – Larger insurance carriers have better premium rates if you take out some life insurance too.
  • Claim Free – Claim-free drivers can save substantially when compared with bad drivers.
  • Discount for Home Ownership – Just owning your own home can save a few bucks due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Good Student – Excelling in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a small discount on rates for Navigator insurance.
  • Multiple Cars – Having primary and secondary vehicles on a single policy may reduce the rate for each vehicle.

While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, auto insurance companies aren’t that generous.

A few popular companies and some of their more popular discounts are included below.

  • GEICO discounts include anti-theft, driver training, membership and employees, five-year accident-free, defensive driver, anti-lock brakes, and good student.
  • SAFECO may have discounts that include teen safe driver, anti-lock brakes, anti-theft, drive less, accident prevention training, teen safety rewards, and bundle discounts.
  • State Farm has savings for good driver, anti-theft, Drive Safe & Save, multiple autos, and safe vehicle.
  • MetLife may include discounts for multi-policy, accident-free, claim-free, good driver, defensive driver, and good student.
  • 21st Century offers discounts including early bird, automatic seat belts, homeowners, good student, defensive driver, and teen driver.
  • Progressive policyholders can earn discounts including good student, multi-policy, multi-vehicle, online quote discount, and homeowner.

Before you buy a policy, ask all the companies to apply every possible discount. Savings may not apply to policyholders in your area. If you would like to see a list of insurance companies with significant discounts, follow this link.

Your auto insurance coverage should be tailored to you

When choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • Am I covered by my spouse’s policy after a separation?
  • Is my teen driver covered when they drive my company car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Where can I find DUI or SR-22 insurance?
  • What discounts do I qualify for?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages and their meanings

Having a good grasp of insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability car insurance – This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people, and 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. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, hitting a bird, damage from getting keyed, hitting a deer and theft. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision coverage covers damage to your Navigator resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, hitting a mailbox, crashing into a ditch, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as pain medications, EMT expenses, doctor visits and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

You can do this!

Insureds leave their current company for a variety of reasons including high prices, not issuing a premium refund, being labeled a high risk driver and even high rates after DUI convictions. It doesn’t matter why you want to switch finding the right auto insurance provider can be easier than you think.

We just covered many ideas to compare 2017 Lincoln Navigator insurance prices online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from a smaller regional carrier.

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an insured cut comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your goal is to buy enough coverage at a price you can afford, but do not skimp to save money.

Additional auto insurance information can be found at these links: