How Much Does 2014 Lincoln Navigator Insurance Cost?

If you are new to getting insurance coverage quotes online, you can easily be overwhelmed by the crazy number of companies offering coverage.

You should make it a habit to compare rates on a regular basis since prices trend upward over time. If you had the best quotes on Navigator insurance at your last renewal a different company probably has better rates today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the fastest way to lower your rates without sacrificing coverage.

Do you qualify for discount car insurance?

Companies that sell car insurance don’t necessarily list every discount very clearly, so the list below gives a summary of both the well known and the more hidden credits that you can use to lower your rates.

• Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
• Home Ownership Discount – Owning a house can save a few bucks since home ownership shows financial diligence.
• Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
• Policy Bundle Discount – When you combine your auto and home insurance and insure them both with the same insurance company you could get a discount of at least 10% off all policies.
• Passenger Safety Discount – Cars that have air bags may earn rate discounts of 25 to 30%.
• Senior Citizen Rates – Older drivers can possibly qualify for a small decrease in premiums on Navigator insurance.
• College Student – Any of your kids who attend college more than 100 miles from home and do not have access to a covered vehicle could get you a discount.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

To locate companies who offer discounts, click here to view.

Smart buyers know how to find auto insurance for less

When buying auto insurance it’s important to understand some of the factors that help determine the price you pay for auto insurance. When consumers understand what controls the rates you pay, this allows you to make educated decisions that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces that factor into your rate level.

• Your location is a factor – Having an address in small towns and rural areas has it’s advantages when insuring your vehicles. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft. People in densly populated areas have to deal with more traffic problems and much longer commute distances. More time behind the wheel means more chances of being involved in an auto accident.
• High deductibles save money – The deductibles state the amount of money you are required to spend if you file a covered claim. Coverage for physical damage, aka comp and collision, covers damage that occurs to your car. Some examples of claims that would be covered would be a windshield broken by a bird, fire damage, and damage caused by road hazards. The more of the claim the insured is willing to pay, the less your auto insurance will be on Navigator insurance.
• Deter theft and reduce auto insurance rates – Selecting a car model with a theft deterrent system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft.
• Too many claims drive up prices – Car insurance companies award the best rates to drivers who file claims infrequently. If you’re an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is intended for the large, substantial claims.
• Better auto insurance rates on vehicles with better crash test results – Safer cars can get you lower premiums. Vehicles engineered for safety reduce injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Lincoln Navigator earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

What insurance coverages do I need?

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions may help you determine whether your personal situation could use an agent’s help.

• Do I have coverage when pulling a U-Haul trailer?
• How can I force my company to pay a claim?
• What is high-risk coverage and where do I buy it?
• How high should deductibles be on a 2014 Lincoln Navigator?
• Where can I get insurance after a DUI in my state?
• Do I have coverage for damage caused while driving under the influence?
• Is other people’s property covered if stolen from my vehicle?
• Does my car insurance cover rental cars?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Advertising and insurance coverage

Insurance coverage companies such as State Farm and Allstate consistently run television, radio, and online ads. All the companies convey the message of big savings if you move your insurance coverage policy to them. How can each company charge lower premium rates? You have to listen carefully.

Insurance companies look for specific characteristics for the type of customer that will generate a profit. One example of a profitable risk profile could be over age 30, has never had a policy lapse, and has a high credit rating. Any person who matches those parameters will qualify for the lowest rates and therefore will save some money.

People who do not fit these criteria will be quoted higher prices and this results in the customer buying from a different company. The ads state “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can claim big savings. Because every company is different, you need to get insurance coverage quotes from several different companies. It’s just not possible to know which company will fit you best based on your risk profile.

Specific coverages for a 2014 Lincoln Navigator

Understanding the coverages of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision coverage protection

This covers damage to your Navigator from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as X-ray expenses, nursing services and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things such as funeral expenses, medical services, court costs and loss of income. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Comprehensive car insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, damage from flooding, a broken windshield and vandalism. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Lincoln Navigator.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Smart consumers save more

Budget-conscious 2014 Lincoln Navigator insurance can be sourced from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies do not provide internet price quotes and these small insurance companies provide coverage only through independent insurance agencies.

Throughout this article, we presented a lot of techniques to reduce 2014 Lincoln Navigator insurance rates online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable insurance coverage. Drivers may discover the lowest rates are with a small local company.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. There have been many cases where an accident victim reduced full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best possible price, but do not skimp to save money.

More learning opportunities

• Teen Driving Statistics (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Frontal Crash Tests (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)