Lower Your 2014 Lincoln Navigator Car Insurance Cost

There isn’t a single person who likes paying for insurance coverage, especially knowing the cost is too high. Due to the abundance of insurance coverage companies to choose from, it’s nearly impossible to choose the best insurance company.

Drivers save money with these discounts

Some companies do not advertise all disounts in a way that’s easy to find, so the next list breaks down some of the best known and also the lesser-known credits that you can use to lower your rates.

  • Safe Drivers – Insureds without accidents may receive a discount up to 45% for Navigator coverage than less cautious drivers.
  • Low Mileage – Low annual miles can qualify you for lower rates on the low mileage vehicles.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles help deter theft and can earn a small discount on your policy.
  • Discounts for New Vehicles – Buying a new car model may earn a small discount due to better safety requirements for new model year vehicles.
  • Online Discount – A handful of larger companies will give you a small discount for buying your policy online.
  • Pay Now and Pay Less – By making one initial payment rather than paying monthly you may have a lower total premium amount.
  • Data Collection Discounts – Drivers who agree to allow companies to analyze driving patterns remotely such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.
  • Lower Rates for Military – Having an actively deployed family member could be rewarded with lower insurance rates.
  • Senior Discount – Drivers that qualify as senior citizens may qualify for a small decrease in premiums for Navigator coverage.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, it doesn’t quite work that way.

Popular insurance companies and some of the premium reductions they offer can be found below.

  • Progressive has discounts for online signing, continuous coverage, homeowner, good student, multi-policy, and multi-vehicle.
  • MetLife may have discounts that include defensive driver, accident-free, claim-free, good driver, good student, and multi-policy.
  • Mercury Insurance has savings for low natural disaster claims, multi-policy, type of vehicle, accident-free, good student, and location of vehicle.
  • Nationwide may include discounts for defensive driving, good student, accident-free, easy pay, anti-theft, and Farm Bureau membership.
  • Geico policyholders can earn discounts including multi-policy, emergency military deployment, five-year accident-free, air bags, and military active duty.
  • AAA offers discounts including pay-in-full, anti-theft, good driver, multi-car, education and occupation, and multi-policy.

When quoting, ask every prospective company what discounts are available to you. Some discounts listed above may not be offered in your area. To choose insurers who offer free insurance quotes, click this link.

You can change your insurance costs

When buying insurance coverage it’s important to understand a few of the rating criteria that aid in calculating the level of your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that can earn you big savings.

  • Theft deterrents save – Purchasing a vehicle with advanced anti-theft systems can get you a discount on your insurance coverage. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping vehicle theft.
  • Safer the car lower the rate – Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles protect occupants better and better occupant protection translates directly to fewer claims and cheaper rates on your policy. If the Lincoln Navigator has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Traffic violations inflate premiums – How you drive influences premium rates substantially. Drivers with clean records get better prices as compared to careless drivers. Just one speeding ticket may cause rates to rise by twenty percent. Drivers who have received flagrant violations such as DUI or willful reckless driving may be required to complete a SR-22 with their state DMV in order to keep their license.
  • Youthful drivers cost more – Young drivers have a tendency to be inattentive in a vehicle so insurance coverage rates are higher. Adding a teenage driver onto your insurance coverage can be quite pricey. Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents .
  • Your gender affects costs – The statistics show females are less aggressive when driving. That doesn’t necessarily mean that women are better drivers. Both genders are in accidents at a similar rate, but men tend to have higher claims. Men also tend to receive more major tickets such as DWI and reckless driving.

Special considerations

When choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For instance, these questions could help you determine whether you might need an agent’s assistance.

  • What companies insure drivers after a DUI or DWI?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I have a commercial auto policy?
  • Does liability extend to a camper or trailer?
  • How high should deductibles be on a 2014 Lincoln Navigator?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How much liability coverage do I need in my state?
  • Do I have coverage when making deliveries for my home business?
  • Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance companies are expert advertisers

Consumers can’t get away from ads for the lowest price insurance by companies like State Farm and Allstate. They all seem to have a common claim about how much you will save after switching your coverage.

How does every company save you money? It’s all in the wording.

All the different companies have specific characteristics for a prospective insured that earns them the most money. One example of a profitable risk profile may be a married female, has had continuous coverage, and drives a lower-performance vehicle. Someone that matches those criteria will probably get cheap prices and will save quite a bit of money when switching.

People who don’t measure up to those criteria may receive a more expensive rate which usually ends up with the customer not buying. The ads state “customers that switch” not “all people who quote” save that much when switching. That’s the way insurance companies can confidently make claims that they all have the best premium rates. Each company has different criteria, so drivers must get car insurance quotes from several different companies. It is impossible to predict which insurance companies will have the best car insurance rates at this point in time.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages offered by auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills such as X-ray expenses, dental work, doctor visits, hospital visits and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Lincoln Navigator.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability coverage

Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, medical services, repair costs for stationary objects, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Saving money is sweet as honey

Throughout this article, we presented many ways to lower your 2014 Lincoln Navigator insurance prices. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding low cost car insurance. You may be surprised to find that the best prices are with a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. In too many instances, consumers will sacrifice liability limits or collision coverage and learned later they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Some insurance providers don’t offer rate quotes online and many times these smaller providers only sell coverage through independent agencies. Affordable 2014 Lincoln Navigator insurance is definitely available online and also from your neighborhood agents, so you need to compare both to have the best rate selection.

Additional auto insurance information is located on the following sites: