2015 Lincoln Navigator Insurance Quotes – 5 Tips for Cheapest Rates

Looking for cheaper auto insurance rates? Shoppers have a choice when shopping for affordable Lincoln Navigator insurance. They can either waste time calling around to get rate comparisons or use the internet to compare rates. There are more efficient ways to find auto insurance online and we’ll show you the proper way to quote coverages on a Lincoln and find the best price possible from both online companies and local agents.

If you have insurance now or need a new policy, you can use these techniques to find the best rates while maintaining coverages. This information will let you in on the best way to quote coverages and some tips to save money. Consumers only need an understanding of the proper way to find the lowest price online.

Pay discount rates these five discounts

Car insurance is neither fun to buy or cheap, but you may be missing some discounts that can drop the cost substantially. Some discounts will apply at the time you complete a quote, but less common discounts must be specially asked for before being credited.

  • Policy Bundle Discount – When you have multiple policies and insure them with the same company you will save up to 20% and get you cheap insurance.
  • No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on insurance quote in comparison to insureds who have frequent claims or accidents.
  • More Vehicles More Savings – Drivers who insure multiple vehicles on a single policy qualifies for this discount.
  • Drive Less and Save – Low mileage vehicles can qualify you for slightly better car insurancerates than normal.
  • Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance quote on Navigator coverage as compared to drivers with claims.

You should keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.

To see a list of insurers that offer multiple discounts, click here to view.

Does insurance advertising bend the truth?

Consumers can’t avoid all the ads that claim the best rates from companies such as State Farm, Allstate and Geico. They all state the claim that people will save if you just switch to their company.

Is it even possible that every company can make almost identical claims? This is how they do it.

All companies quote the lowest rates for the type of driver they prefer to insure. For example, a profitable insured might be described as over the age of 40, has a low-risk occupation, and the vehicle is rated for pleasure use. Anybody that hits that “sweet spot” is entitled to the best price and will probably save when they switch companies.

Consumers who don’t qualify for the requirements will see higher prices which results in the prospect going elsewhere. The ad wording is “people that switch” but not “everyone who gets a quote” save money. That is how insurance companies can confidently make claims like that. This illustrates why you should do a rate comparison at every renewal. It’s impossible to know which company will be your best fit.

Special considerations

When it comes to choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions could help you determine whether you would benefit from professional advice.

  • What is an SR-22 filing?
  • Does my 2015 Lincoln Navigator need full coverage?
  • How much liability coverage do I need in my state?
  • Is my camper covered by my car insurance policy?
  • Can I still get insurance after a DUI?
  • When should I buy a commercial auto policy?
  • Is my cargo covered for damage or theft?
  • When should I remove comp and collision on my 2015 Lincoln Navigator?
  • What is UM/UIM insurance?
  • Am I insured when driving a different vehicle?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Car insurance coverages for a 2015 Lincoln Navigator

Having a good grasp of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Lincoln Navigator.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills like prosthetic devices, doctor visits, hospital visits, surgery and ambulance fees. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, damage from getting keyed, a broken windshield, rock chips in glass and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision coverage covers 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 can pay for things like crashing into a building, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like legal defense fees, repair costs for stationary objects, emergency aid, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Saving money makes a lot of cents

In this article, we covered quite a bit of information on how to compare 2015 Lincoln Navigator insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding cheap insurance. Consumers could even find that the lowest priced auto insurance comes from a lesser-known regional company.

Low-cost 2015 Lincoln Navigator insurance is attainable on the web as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer rates over the internet and usually these small, regional companies only sell coverage through independent agents.

When searching for inexpensive insurance quotes, you should never reduce needed coverages to save money. Too many times, consumers will sacrifice liability coverage limits and discovered at claim time that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

Even more information is available at these sites:

Comments About 2015 Lincoln Navigator Insurance

  1. Albert Roman

    Cheap is not always the best policy. I live in a small town just outside of Raleigh, NC. Checked online prices for a 2015 Lincoln Navigator. Ended up at about $570 savings annually. Went with GEICO. Insured with Eastwood before. I get a discount for insuring multiple vehicles.

  2. Karren Acosta

    Need cheaper insurance rates for my teenage driver in Evansville, IN!!

  3. Nova Osborn

    Proud to be from Cedar Rapids, Iowa. Got car insurance rates from Auto-Owners, Esurance, and Nationwide for my Lincoln and I’m now saving $62 a month. Are quotes cheaper online?

  4. Zachery Conner

    If you have a clean record and live around Nashua, New Hampshire, check out GEICO. You might get cheaper rates. I’m a pretty good driver though.

  5. Elayne Barnes

    Is 21st Century cheap in Cranston, Rhode Island?

  6. Stephnie Soto

    Will State Farm do a SR22 in Cedar Rapids, IA?

  7. Lekisha Brown

    Allstate is pretty cheap in Arkansas! :)