Searching for better insurance rates for your Lincoln Navigator? Trying to come up with a payment for overpriced insurance can empty your accounts and force you to prioritize other expenses. Performing a rate comparison is a fast and free way to lower your bills every month.
Drivers have multiple auto insurance companies to pick from, and although it’s a good thing to have a choice, it can be more challenging to compare rates and find the lowest cost insurance.
You should take the time to take a look at other company’s rates once or twice a year because prices are constantly changing. Even if you think you had the best deal for Navigator insurance last year you will most likely find a better rate quote today. Block out anything you think you know about insurance because it’s time to teach you the only way to find better rates and still maintain coverage.
There are a lot of ways to compare insurance coverage quotes, and some are easier and takes less work. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can stay home and use the web to get the quickest rates.
Many companies take part in a program where prospective buyers enter their coverage request one time, and at least one company then gives them pricing determined by their information. This eliminates the need for quote requests for each company.
To use this form to compare rates click here (opens in new window).
The only drawback to pricing coverage this way is that consumers can’t choose the insurers you want pricing from. If you prefer to choose individual companies to compare, we have a page of low cost insurance coverage companies in your area. Click here to view list.
Whichever method you choose, ensure you are comparing nearly identical coverage data with every price quote. If each company quotes different values for each quote you can’t possibly determine the lowest rate for your Lincoln Navigator.
Insurance coverage is not inexpensive, but you can get discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but some must be specifically requested before you get the savings.
As a footnote on discounts, some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, that’s just not realistic.
A few popular companies and their possible discounts are included below.
It’s a good idea to ask each company or agent to give you their best rates. Savings may not be offered in every state. To view providers that offer some of these discounts, click this link.
When it comes to buying adequate coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation might need professional guidance.
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.
Having a good grasp of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.
This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as fire damage, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things such as crashing into a building, hitting a mailbox, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like surgery, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability auto insurance
This provides protection from injuries or damage you cause to other’s property or people. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims like emergency aid, court costs and legal defense fees. How much coverage you buy is a personal decision, but you should buy higher limits if possible.
Coverage for uninsured or underinsured drivers
This protects you and your vehicle when other motorists 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 have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. In too many instances, someone dropped liability limits or collision coverage and learned later that it was a big mistake. Your goal should be to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.
We just covered a lot of techniques to lower your 2018 Lincoln Navigator insurance prices. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a small mutual company. These companies may have significantly lower rates on certain market segments than their larger competitors like State Farm, Geico and Nationwide.
More tips and info about auto insurance can be read at these sites:
I found pretty cheap rate quotes for a 2018 Lincoln Navigator in Springfield, Massachusetts. Ended up at darn near $300 every six months with AAA. Left Eastwood to switch. :)
Good detail in your article. I’m in the north part of New Haven, Connecticut. I quoted with American Family, Sentry, and a few others for my Navigator and saved just over $490 a year.
What are minimum liability limits required in Georgia?
Does GEICO use ACV or replacement cost?
Just a quick comment on my experience. I live north of Boston, MA. Not sure of all the companies but I ended up saving about $30 each month. Was with Hanover.