Cheap 2022 Lincoln Navigator Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 17, 2024

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Want lower insurance coverage rates for your Lincoln Navigator? Did you come to the realization that you have overpriced insurance coverage? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Many insurers vie for your hard-earned dollar, so it can be very hard to choose a company and get the best coverage at the best rate

It’s a good idea to compare rates as often as possible since prices change frequently. Even if you think you had the lowest price on Navigator insurance on your last policy there may be better deals available now. Ignore everything you know about insurance coverage because we’re going to demonstrate the best methods to save money, get proper deductibles and limits, all at the lowest rate.

The best way we recommend to compare rates is to know the trick auto insurance companies have advanced systems to give free rates quotes. All you need to do is provide information including what you do for a living, how you use your vehicles, the make and model of your vehicles, and if it has an alarm system. Your information is instantly provided to many highly-rated insurers and they return cost estimate almost instantly.

If you wish to get multiple quotes for your Lincoln Navigator now, click here and complete the quick form.

Five things that impact your insurance costs

The best way to find cheaper auto insurance is to take a look at the different types of things that are used to determine auto insurance rates. When you understand what influences your rates, this empowers consumers to make smart changes that could result in big savings. Many different elements are used when you get a price on insurance. Some are pretty understandable such as your driving record, but other factors are less obvious like where you live or how financially stable you are.

The list below includes some of the items auto insurance companies consider when setting premiums.

  • Male premiums may be higher – The statistics show that females tend to be a little less risky than males. The data does not necessarily mean that men are WORSE drivers than women. Women and men cause at-fault accidents in similar percentages, but the male of the species tend to have more serious accidents. Not only are claims higher, but men get more serious tickets like DWI (DUI) or reckless driving. Male teenagers tend to get in the most accidents and thus pay the highest rates.
  • Increase physical damage deductibles and save – Protection for physical damage, aka comp and collision, covers damage that occurs to your Lincoln. Examples of covered claims would be a dented fender, damage from fire, and having your car stolen. Deductibles for physical damage are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The more money the insured has to pay upfront, the bigger discount you will receive on Navigator insurance.
  • Cheaper prices for prior coverage – Not maintaining insurance is a big no-no and auto insurance companies will penalize you for letting your insurance lapse for non-payment. Not only will rates go up, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Do you need those add-on coverages? – Policies have add-on coverages that can add up but may not be useful. Insurance for things like rental car coverage, better glass coverage, and additional equipment coverage could be just wasting money. You may think they are a good idea when deciding what coverages you need, but if you don’t need them eliminate them to save money.
  • Premiums can change based on your address – Having an address in a small town has definite advantages if you are looking for the lowest rates. Fewer drivers and short commutes means reduced accidents in addition to lower liability claims People in densly populated areas regularly have more traffic problems and longer commutes to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.

Get affordable rates with these insurance coverage discounts

Some insurers do not list every policy discount in an easy-to-find place, so we researched a few of the more common in addition to some of the lesser obvious insurance coverage savings.

  • More Vehicles More Savings – Buying insurance for more than one vehicle on a single policy can get a discount on all vehicles.
  • Government Employees – Active or former government employment could provide a small rate reduction on Navigator insurance depending on your company.
  • Switch and Save Discount – Some insurance coverage companies provide a discount for buying a policy prior to your current policy expiration. You can save around 10% with this discount.
  • Senior Discount – Drivers that qualify as senior citizens may be able to get lower premium rates on Navigator insurance.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
  • Good Student Discount – Maintaining excellent grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Savings for New Vehicles – Insuring a new car can get you a discount because newer vehicles keep occupants safer.
  • Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a discounted rate on car insurance if you buy some life insurance too.

As a sidenote, some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business.

Large insurance coverage companies and their offered discounts are included below.

  • GEICO offers premium reductions for seat belt use, military active duty, anti-lock brakes, daytime running lights, anti-theft, and defensive driver.
  • MetLife has savings for good driver, good student, claim-free, accident-free, defensive driver, multi-policy
  • Progressive may offer discounts for good student, homeowner, continuous coverage, online signing, multi-policy, and online quote discount.
  • Travelers offers discounts including new car, hybrid/electric vehicle, multi-policy, continuous insurance, and good student.
  • SAFECO may have discounts that include accident prevention training, teen safe driver, anti-theft, safe driver, homeowner, anti-lock brakes, and multi-car.
  • AAA discounts include education and occupation, multi-policy, AAA membership discount, good student, anti-theft, and multi-car.

Check with all the companies to give you their best rates. A few discounts might not be offered on policies in your area. To view companies that have a full spectrum of discounts, enter your zip code here.

Car insurance can get complicated

When choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique and your policy should reflect that. These are some specific questions can aid in determining if your insurance needs may require specific advice.

  • Does coverage extend to my business vehicle?
  • How do I insure my teen driver?
  • What if I don’t agree with a claim settlement offer?
  • Do I need an umbrella policy?
  • Why am I required to buy high-risk coverage?
  • Am I covered when delivering products for my home-based business?
  • I have health insurance so do I need medical payments coverage?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code. It is quick, free and can provide invaluable advice.

Specific coverages for a Lincoln Navigator

Knowing the specifics of car insurance helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.

Collision coverage

This will pay to fix damage to your Navigator from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car, sideswiping another vehicle, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hitting a deer, rock chips in glass, damage from getting keyed and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

Liability insurance can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as bail bonds, funeral expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Lincoln Navigator.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as hospital visits, pain medications and prosthetic devices. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

More quotes. Lower rates.

In this article, we presented some good ideas how you can compare 2022 Lincoln Navigator insurance rates online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheap car insurance. Drivers may discover the best price on insurance is with a small mutual company. Smaller companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

When searching for inexpensive car insurance quotes, do not skimp on coverage in order to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Some insurance companies do not provide price quotes online and many times these smaller companies provide coverage only through independent insurance agents. Cost effective 2022 Lincoln Navigator insurance can be purchased online in addition to local insurance agencies, so compare prices from both so you have a total pricing picture.

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