View 2017 Lincoln Navigator Insurance Rates in 2024

Are you kicking yourself for buying high-priced car insurance? Trust us, many drivers have buyer’s remorse.

You have so many insurers to insure vehicles with, and although it’s nice to be able to choose, more choices can make it harder to compare rates and find the lowest cost car insurance.

Consumers should take time to do price comparisons once or twice a year because rates change regularly. Despite the fact that you may have had the best rate on Navigator insurance a couple years back a different company probably has better prices today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the best methods to find better coverage at a better price.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you should be able to save some money using these methods. Nevertheless, drivers benefit from understanding how the larger insurance companies sell insurance online and take advantage of how the system works.

Take advantage of every auto insurance discount

Auto insurance can be pricey, but there could be significant discounts that can drop the cost substantially. Many discounts should be triggered when you quote, but less common discounts must be specifically requested before you will receive the discount.

• Senior Citizens – If you qualify as a senior citizen, you can get a small discount on rates on Navigator insurance.
• Sign Online – A few larger online companies will give you a small discount for buying a policy and signing up on their website.
• Data Collection Discounts – Policyholders that allow data collection to spy on vehicle usage remotely like Allstate’s Drivewise may get a rate reduction if they have good driving habits.
• Own a Home – Owning a house may trigger a policy discount on auto insurance because it means you have a higher level of financial diligence.
• Renewal Discounts – A few insurance companies offer discounts for signing up prior to your current policy expiration. You could save around 10% when you buy insurance online.
• Drivers Education – Teen drivers should successfully complete driver’s ed class as it can save substantially.

While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount should help reduce your policy premium.

A partial list of companies that may include these money-saving discounts possibly include:

• GEICO
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Before buying, ask all companies you are considering what discounts are available to you. Depending on the company, some discounts may not apply in your area.

How to know if you need help

When it comes to choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

• Do I need more liability coverage?
• Should I buy full coverage?
• Do I need roadside assistance coverage?
• When can my company non-renew my policy?
• Do I need rental car coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Don’t believe everything you hear

Well-known insurance coverage companies like State Farm and Allstate regularly use television, radio, and online ads. All the ads make the same claim that people will save if you just switch to their company. How does every company give you a better price? It’s all in the wording.

All companies can use profiling for a prospective insured they prefer to insure. A good example of a preferred risk might be over the age of 50, carries full coverage, and drives newer vehicles. Anyone that matches those criteria gets the lowest car insurance rates and therefore will cut their rates if they switch.

People who do not meet the ideal profile may be forced to pay a higher premium which translates to the customer buying from a different company. Company advertisements say “people that switch” not “all people who quote” can save as much as they claim. That is how companies can make claims that they all have the best car insurance rates. Because each company has a different risk profile, it is so important to get as many free insurance quotes as possible. It is impossible to guess with any certainty which company will have the lowest rates.

Insurance coverages 101

Understanding the coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Uninsured and underinsured coverage

This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Lincoln Navigator.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Auto liability

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, pain and suffering, emergency aid, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage

Collision coverage pays for damage to your Navigator caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree, sideswiping another vehicle, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like rehabilitation expenses, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, damage from getting keyed and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Don’t throw your cash in the trash

When shopping online for auto insurance, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

In this article, we presented a lot of information how to lower your 2017 Lincoln Navigator insurance rates. It’s most important to understand that the more providers you compare, the higher your chance of finding cheaper insurance. You may even discover the best rates are with a small mutual company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.