Lower Your 2023 Lincoln Navigator 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 the cheapest insurance rates for your Lincoln Navigator? Finding low cost insurance may be frustrating for drivers new to quoting coverage prices online. With dozens of insurers available, it can quickly become a chore to find better prices.

Consumers should take time to do rate comparisons quite often because insurance prices change regularly. Even if you got the best rate on Navigator insurance last year the chances are good that you can find a lower premium rate today. You can find a lot of misleading information regarding insurance online, but by reading this article, you’re going to learn some guaranteed methods to buy insurance cheaper.

Finding the best rates is easy if you know what you’re doing. Essentially everyone who carries auto insurance will most likely be able to reduce their rates. But vehicle owners can benefit by having an understanding of how the larger insurance companies determine prices and apply this information to your search.

Compare free car insurance quotes

Performing a rate comparison can take hours if you don’t know the most efficient way. You could spend your day discussing policy coverages with insurance companies in your area, or you can utilize the internet for quick rates.

Many of the larger companies participate in an industry program where insurance shoppers complete one form, and each participating company then gives them pricing based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

To compare rates using this form now enter your zip code here.

The one downside to getting quotes like this is that you can’t choose which companies to get pricing from. If you wish to select specific insurance companies to compare, we have a listing of low cost car insurance companies in your area. Click to enter zip code.

Whichever method you choose, be certain you are entering the same quote information for every company. If you have different deductibles you will not be able to determine the best price for your Lincoln Navigator. Just slight variations in coverage limits could mean much higher rates. Just remember that comparing a wide range of rates provides better odds of finding a better price.

Insurance Discounts

Some companies don’t always publicize all available discounts in an easy-to-find place, so we took the time to find a few of the more well known and also the lesser-known discounts that may be available.

  • Claim-Free Discount – Good drivers with no accidents can earn big discounts as compared to bad drivers.
  • Clubs and Organizations – Affiliation with a professional or civic organization may earn a discount on your bill.
  • Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Active Military Service – Being on active deployment in the military could qualify you for better premium rates.
  • Distant Student Discount – College-age children who are attending college and leave their car at home may be able to be covered for less.
  • Passive Restraints – Vehicles with factory air bags can get savings of 20 to 30 percent.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.

Just know that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A few of the larger companies and the discounts they provide are included below.

  • State Farm offers premium reductions for accident-free, passive restraint, safe vehicle, good driver, Steer Clear safe driver discount, driver’s education, and defensive driving training.
  • Nationwide may offer discounts for defensive driving, accident-free, good student, multi-policy, family plan, business or organization, and Farm Bureau membership.
  • GEICO may include discounts for multi-vehicle, daytime running lights, good student, anti-theft, multi-policy, five-year accident-free, and membership and employees.
  • AAA policyholders can earn discounts including education and occupation, good student, good driver, anti-theft, and pay-in-full.
  • 21st Century has discounts for 55 and older, student driver, air bags, anti-lock brakes, good student, and early bird.
  • The Hartford may have discounts that include driver training, air bag, good student, defensive driver, and anti-theft.

Double check with every prospective company which credits you are entitled to. A few discounts may not apply to policies in your area.

Learn how to lower your insurance costs

Many factors are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although some other factors are not as apparent like your vehicle usage or your financial responsibility.

  • How’s your driving record? – Your driving citation history impacts your car insurance rates tremendously. Having a single speeding ticket or other violation may increase your cost twenty percent or more. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Drivers who have received serious violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive a vehicle.
  • Does your employer cost you more? – Did you know your career choice can influence rates? Occupations such as real estate brokers, social workers and medical professionals tend to have higher premium rates attributed to high stress levels and long work hours. On the flip side, careers like professors, historians and homemakers pay the least on Navigator insurance.
  • Small claims can cost you – If you’re an insured who likes to file claims you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies provide the lowest premiums to people who are not frequent claim filers. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Cheaper rates for prior coverage – Driving without insurance is illegal and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. Not only will rates go up, not being able to provide proof of insurance might get you a steep fine or even jail time.
  • Safer vehicles are cheaper to insure – Cars with five star safety ratings tend to have better insurance rates. These vehicles reduce injuries and fewer injuries translates into savings for insurance companies and thus lower rates.
  • How old are your drivers? – Mature drivers are shown to be more cautious, cost insurance companies less in claims , and usually have better credit. Inexperienced drivers are proven to be inattentive with other occupants in the car so they pay higher car insurance rates.
  • Consolidate policies and save money – The majority of insurance companies will award better rates to insureds who have multiple policies with them in the form of a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even with this discount applied, drivers will still want to compare other company rates to guarantee you are still saving the most.
  • Liability coverage – The liability section of your policy will provide protection in the event that you are found to be at fault for an accident. It provides for a legal defense starting from day one. It is affordable coverage when compared to the cost of physical damage coverage, so do not skimp.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions may help highlight if your situation may require specific advice.

  • Should I have a commercial auto policy?
  • What vehicles should carry emergency assistance coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Will my rates increase for filing one claim?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out your zip code.

What insurance coverages do you need?

Understanding the coverages of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, damage from a tornado or hurricane and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance

This provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things like structural damage, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Lincoln Navigator.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for things like rehabilitation expenses, ambulance fees, nursing services and pain medications. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays for damage to your Navigator from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

In conclusion

Drivers who switch companies do it for any number of reasons including policy non-renewal, lack of trust in their agent, delays in paying claims or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new insurance coverage company is easier than you think.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice full coverage to discover at claim time that it was a big error on their part. Your goal is to find the BEST coverage at a price you can afford.

In this article, we covered some good ideas how you can compare 2023 Lincoln Navigator insurance rates online. The most important thing to understand is the more times you quote, the better likelihood of getting cheaper auto insurance. You may even find the most savings is with the smaller companies.

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