Compare 2016 Lincoln Navigator Insurance Cost

Buying the cheapest car insurance on the web may be overwhelming for beginners to shopping for insurance online. With such a large choice of companies competing online, how are people expected to have a chance to compare every car insurance company to find the lowest rates?

It’s important to shop coverage around quite often because prices are constantly changing. Even if you think you had the best price for Navigator coverage two years ago there may be better deals available now. There are a lot of ways to save on car insurance online, but we’re going to give you some of the best ways to buy car insurance cheaper.

Pricing the cheapest coverage is easy if you know what you’re doing. In a nutshell, anyone who is shopping for insurance coverage stands a good chance to be able to cut their insurance bill. Although drivers do need to understand how companies compete online and use this information to your advantage.

How do insurers determine Lincoln Navigator insurance prices?

When buying auto insurance it’s important to understand the rating factors that aid in calculating your policy premiums. If you understand what influences your rates, this allows you to make good choices that could result in lower rates.

The factors shown below are some of the major factors that factor into your prices.

• Men drivers tend to cost more – Statistics demonstrate that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Both sexes have auto accidents in similar percentages, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI). Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
• Commute or pleasure use – The more miles you rack up on your Lincoln every year the more you’ll pay to insure it. A lot of insurance companies apply a rate determined by how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates than those that get driven frequently. A policy that improperly rates your Navigator can cost quite a bit. Double check that your auto insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
• With age comes lower prices – Older insureds are more responsible, tend to cause fewer accidents , and are generally more financially stable.Inexperience drivers tend to be easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
• Buy as much liability as you can afford – The liability coverage on your policy kicks in when you are determined to be liable for physical damage or personal injury to other. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Rates may be lower depending on your vocation – Did you know your job can affect your rates? Occupations such as judges, social workers and medical professionals tend to have higher rates than the rest of us in part from high stress levels and extremely grueling work hours. Other occupations such as scientists, engineers and performers pay lower than average rates for Navigator coverage.
• Where you call home plays a part – Living in small towns and rural areas can be a good thing if you are looking for the lowest rates. Urban drivers have to deal with congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates.
• Save money by having multiple policies – Most companies will give a discount for people that purchase more than one policy, otherwise known as a multi-policy discount. The discount can be as much as ten percent or more Even if you already get this discount, it’s always a smart idea to compare rates to verify if the discount is saving money.
• Don’t cancel your auto insurance policy without a new one in place – Going without insurance is a quick way to increase your auto insurance rates. Not only will you pay higher rates, getting caught without coverage may result in fines or a revoked license.

How to get auto insurance quotes

Comparing auto insurance rates is a ton of work if you don’t utilize the best way to get rate quotes. You could spend your day driving to local insurance agents in your area, or you can utilize the internet for quick rates.

Many companies take part in a program that allows shoppers to complete one form, and each company can provide price quotes based on the submitted data. This saves time by eliminating repetitive form submissions for every auto insurance company. To compare rates using this form now click to open in new window.

The only downside to getting quotes like this is you are unable to specify the companies you want pricing from. If you prefer to choose individual companies to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just do your best to enter apples-to-apples coverage data with every price quote. If your comparisons have mixed coverages you can’t possibly get a fair rate comparison. Slightly different coverages may result in large price differences. Just keep in mind that comparing a wide range of rates will improve the odds of getting the best offered rates.

Will you really save $472 on auto insurance?

Big name companies like State Farm and Allstate regularly use television, radio, and online ads. All the companies try to convey promises about savings if you just switch your auto insurance coverage to their company. How is it possible that every company can lower your premium rates? This is how they do it.

Insurance providers quote their best rates for the type of driver that will not have excessive claims. For example, a profitable insured might be between the ages of 30 and 50, has no tickets, and has excellent credit. A propective insured that matches those criteria gets the lowest prices and will cut their rates substantially.

People who do not match the requirements will have to pay a more expensive rate and this results in the customer buying from a different company. The wording the ads use say “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can lure you into getting a quote.

This illustrates why it’s extremely important to compare many company’s prices. It’s impossible to know which auto insurance company will have the lowest premium rates for your situation.

More affordable rates with discounts

Car insurance is neither fun to buy or cheap, but you may qualify for discounts that could drop your premiums quite a bit. Many discounts should be triggered when you purchase, but a few must be inquired about prior to receiving the credit. If you check and find you aren’t receiving every discount you qualify for, you could be getting lower rates.

• Club Memberships – Affiliation with a civic or occupational organization can get you a small discount on your next renewal.
• Government Employee Discount – Simply working for the federal government can earn a discount up to 10% for Navigator coverage depending on your company.
• Discount for Home Ownership – Being a homeowner may trigger a policy discount on car insurance because it shows financial diligence.
• Defensive Driver Discount – Taking a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.
• Full Payment Discount – By making one initial payment instead of paying each month you could save up to 5%.

As a sidenote, most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, you aren’t that lucky.

A list of car insurance companies and their possible discounts include:

• Farm Bureau offers discounts including driver training, multi-vehicle, good student, multi-policy, and youthful driver.
• MetLife offers discounts for accident-free, claim-free, multi-policy, good driver, defensive driver, good student
• Progressive may include discounts for continuous coverage, online signing, homeowner, multi-vehicle, and multi-policy.
• AAA includes discounts for good student, education and occupation, anti-theft, good driver, and AAA membership discount.
• American Family offers premium reductions for defensive driver, good student, mySafetyValet, Steer into Savings, multi-vehicle, good driver, and bundled insurance.
• Geico has discounts for seat belt use, anti-theft, membership and employees, driver training, multi-vehicle, and five-year accident-free.
• State Farm policyholders can earn discounts including Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, driver’s education, passive restraint, and multiple autos.

When comparing rates, check with every company which discounts they offer. Some discounts listed above might not be available to policyholders in your area. To choose providers that offer the discounts shown above, click here.

What is the best car insurance coverage?

When buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions could help you determine if your situation might need professional guidance.

• Am I covered when using my vehicle for business?
• Should I waive the damage coverage when renting a car?
• Should I sign the liability waiver when renting a car?
• Can my teen driver be rated on a liability-only vehicle?
• How can I get high-risk coverage after a DUI?
• When should I remove comp and collision on my 2016 Lincoln Navigator?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverage details

Knowing the specifics of car insurance can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, a broken windshield, vandalism and damage from getting keyed. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like surgery, nursing services, chiropractic care and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Collision coverage protection

This coverage will pay to fix damage to your Navigator caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, medical expenses, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Shop Smart and Save

Drivers who switch companies do it for any number of reasons including unfair underwriting practices, lack of trust in their agent, poor customer service or delays in paying claims. Whatever your reason, finding the right insurance coverage provider can be easy and end up saving you some money.

Lower-priced insurance coverage is available online and from local insurance agents, and you should be comparing both to have the best selection. Some companies don’t offer rate quotes online and most of the time these small insurance companies work with local independent agencies.

When searching for inexpensive insurance quotes, never buy less coverage just to save a little money. There have been many cases where someone dropped liability coverage limits only to regret at claim time they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Other learning opportunities

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Teen Driving Statistics (iihs.org)
• Teen Driving and Texting (State Farm)