Five Minute Guide for Finding the Best Lincoln Navigator Insurance

Buyers have lots of choices when searching for affordable Lincoln Navigator insurance. You can either waste hours calling around trying to get quotes or save time using the internet to compare rates.

There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to price shop coverage on a Lincoln and locate the cheapest rates.

This article will help you learn how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Drivers only need to know the proper way to shop on the web.

Factors that can influence Lincoln Navigator insurance rates

It’s important that you understand some of the elements that come into play when calculating the rates you pay for car insurance. Understanding what controls the rates you pay enables informed choices that may reward you with lower car insurance prices.

The list below includes a few of the “ingredients” car insurance companies consider when setting rates.

  • Your occupation can affect rates – Occupations like doctors, executives and financial analysts tend to have higher average rates in part from job stress and long work days. Conversely, jobs such as actors, engineers and retirees receive lower rates on Navigator coverage.
  • Protect yourself with liability coverage – Your policy’s liability coverage provides coverage when a jury decides you are liable for damages from an accident. It provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Keep rates low by being claim-free – Auto insurance companies give discounts to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for the large, substantial claims.
  • Cautious drivers pay less – Only having one speeding ticket can increase rates by as much as thirty percent. Good drivers receive lower rates than bad drivers. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with the DMV in their state in order to continue driving.
  • Better crash test results mean better rates – Cars with high safety ratings are cheaper to insure. Safer cars result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Lincoln Navigator has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Your spouse saves you money – Getting married can get you a discount on your policy. Having a spouse means you’re more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Where you live is a factor – Being located in a rural area can save you money when talking about car insurance. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Performance level impacts rates – The performance level of the car you drive makes a huge difference in how high your rates are. Because the Lincoln Navigator falls in the luxury SUV class, insuring your vehicle will cost substantially more in price compared to average rates. Lower performance four cylinder passenger models usually have the lowest rates, but other factors influence the final cost greatly.

How to Get Car Insurance Comparison Quotes

There are multiple methods to shop for car insurance, but some are easier and takes less work. You could spend your day discussing policy coverages with insurance companies in your area, or you could use the internet to maximize your effort.

Most of the larger companies take part in a program that enables customers to submit their information once, and each participating company returns a competitive quote. This system prevents you from having to do repetitive form submissions for each company. To compare rates now click here to open in new window.

The only downside to pricing coverage this way is buyers cannot specifically choose which insurance companies you want to price. So if you want to select from a list of companies to receive pricing from, we put together a list of companies who write car insurance in your area. View list of insurance companies.

However you get your quotes, make absolute certain that you use the exact same coverage limits with each company. If the quotes have different liability limits it will be very difficult to determine which rate is truly the best.

Policy discounts you shouldn’t miss

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. Most are applied at quote time, but a few need to be asked for prior to receiving the credit. If they aren’t giving you every credit available, you’re paying more than you need to.

  • No Accidents – Claim-free drivers can save substantially when compared with accident-prone drivers.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Own a Home – Owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • Bundle and Save – If you have multiple policies with one company you may earn up to 20% off your total premium.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will reduce the amount you have to pay.

To choose providers with discount car insurance rates, click here.

Insurance agents can help

When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions might point out whether your personal situation could use an agent’s help.

Navigator insurance cheap

  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I buy only the required minimum liability coverage?
  • Do I need PIP coverage since I have good health insurance?
  • How much liability do I need to cover my assets?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

A tidy conclusion

Drivers switch companies for a number of reasons such as policy cancellation, denial of a claim, not issuing a premium refund or even poor customer service. No matter why you want to switch, switching companies is less work than it seems.

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. In many instances, an insured dropped full coverage only to find out that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.

Affordable Lincoln Navigator insurance is definitely available from both online companies as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.