2017 Lincoln Navigator Insurance Rates

Buying auto insurance online might sound like a lofty goal if you are like the majority of consumers and have never used online price quotes. But don’t just give up because using the internet to shop for auto insurance is actually quite easy.

Consumers should take time to compare prices periodically because auto insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal for Navigator insurance at your last renewal you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

If you have car insurance now, you will be able to lower your premiums substantially using these tips. Buying affordable insurance coverage is easy if you know what you’re doing. Nevertheless, vehicle owners do need to learn how the larger insurance companies price insurance differently.

Get cheaper auto insurance with discounts

Not too many consumers would say auto insurance is affordable, but there are discounts available to help bring down the price. Most are applied when you quote, but less common discounts must be requested specifically prior to receiving the credit.

  • Own a Home – Just being a homeowner may earn you a small savings since owning and maintaining a home is proof of financial responsibility.
  • Paperwork-free – Many larger companies provide a small discount shop insurance on the web.
  • Senior Citizens – Drivers that qualify as senior citizens may qualify for a slight reduction on a insurance quote for Navigator insurance.
  • Accident Free – Claim-free drivers pay less compared to frequent claim filers.
  • Discounts for Government Workers – Federal government employees can save as much as 8% for Navigator insurance depending on your auto insurance provider.
  • Life Insurance – Some insurance carriers give lower auto insurancerates if you buy life insurance from them.
  • Telematics Data – Drivers who elect to allow their auto insurance company to track driving manner by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in high school.
  • Low Miles Discount – Maintaining low annual mileage could be rewarded with lower premium rates on the low mileage vehicles.

It’s important to note that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, nobody gets a free ride.

Larger auto insurance companies and some of the discounts are detailed below.

  • State Farm offers discounts including driver’s education, defensive driving training, student away at school, anti-theft, multiple autos, accident-free, and Drive Safe & Save.
  • Esurance has savings for anti-lock brakes, paid-in-full, defensive driver, multi-policy, and online quote.
  • Progressive may have discounts that include multi-policy, online quote discount, online signing, continuous coverage, and good student.
  • Liberty Mutual policyholders can earn discounts including hybrid vehicle, newly retired, teen driver discount, new vehicle discount, and newly married.
  • Auto-Owners Insurance has discounts for good student, teen driver, air bags, safe vehicle, mature driver, and paperless.
  • Geico includes discounts for seat belt use, military active duty, multi-vehicle, driver training, air bags, daytime running lights, and emergency military deployment.

It’s a good idea to ask every insurance company how you can save money. Some discounts listed above might not apply in every state. To locate companies that offer the discounts shown above, follow this link.

Quote insurance coverage online

To find the best insurance coverage quotes, there are several ways of comparing rate quotes from many available insurance coverage companies in your state. By far the easiest way to comparison shop is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  1. The simplest way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This style of form prevents you from having to do a different quote for every prospective company. One quote request will get you rate comparisons instantly. Just one form and you’re done.
  2. Another way to analyze rates is spending the time to visit the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you want to compare Liberty Mutual, Progressive and Travelers. You would be required to go to each individual site to enter your coverage information, which can be really labor intensive.

    For a list of links to companies insuring cars in your area, click here.

  3. The most difficult method to compare price estimates is actually driving to all the different insurance agencies. Doing it all online has reduced the need for local agents unless you’re the type of person who wants the professional assistance that can only be provided by a licensed insurance agent. However, consumers can get prices online and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just ensure you are comparing exactly the same quote data on every quote you get. If the quotes have different data you can’t possibly truly determine the lowest rate. Just a small difference in insurance coverages or limits could throw off the whole comparison. And when quoting insurance coverage, remember that comparing more quotes helps improve the odds of finding lower pricing.

Six tips to get lower-cost insurance prices

Smart consumers have a good feel for the rating factors that go into determining the price you pay for auto insurance. When you know what positively or negatively determines base rates, this enables you to make decisions that may result in much lower annual insurance costs. Lots of factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other criteria are less obvious like where you live or your financial responsibility.

  • Premiums increase with driving tickets – Your driving record can have a huge impact on auto insurance premiums. Even one ticket could increase your next policy renewal by as much as twenty percent. Careful drivers receive lower rates than their less careful counterparts. Drivers with license-revoking violations like DWI, reckless driving or hit and run convictions may find that they have to to prove financial responsibility with their state in order to prevent a license revocation.
  • High credit equals lower prices – Having a bad credit score can be an important factor in calculating your premium rate. If your credit history is lower than you’d like, you may save money insuring your 2017 Lincoln Navigator by repairing your credit. Insureds that have very high credit ratings tend to file fewer claims and have better driving records than drivers with bad credit.
  • Deter vehicle theft – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
  • Your career may increase prices – Careers such as lawyerspolice officers and emergency personnel tend to have higher rates than the rest of us due to stressful work requirements and incredibly demanding work hours. On the flip side, jobs such as scientists, athletes and the unemployed generally pay rates lower than average for Navigator insurance.
  • Do you qualify for a multi-policy discount? – Lots of auto insurance companies afford a discount to customers that purchase more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be five, ten or even twenty percent. Even with this discount, consumers should still get quotes from other companies to ensure the best deal.
  • Policy add-ons add up – Insurance policies have a lot of add-on coverages that you can buy if you aren’t diligent. Add-on coverages like personal injury protection, towing coverage, and additional equipment coverage may not be needed and are just wasting money. These may sound like a good investment at first, but now you might not need them so remove them and pocket the money.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether or not you might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Do I have coverage if my license is suspended?
  • Do I have coverage for damage caused while driving under the influence?
  • What is covered by UM/UIM coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I better off with higher deductibles on my 2017 Lincoln Navigator?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage basics

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision insurance will pay to fix damage to your Navigator caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, backing into a parked car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for nursing services, hospital visits, surgery and dental work. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Lincoln Navigator.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto liability

This coverage can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims like medical expenses, medical services, funeral expenses and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from 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 coverage pays for claims such as hail damage, rock chips in glass and a broken windshield. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Smart shoppers get results

Cost effective 2017 Lincoln Navigator insurance is definitely available on the web as well as from independent agents, and you need to price shop both to have the best rate selection. Some auto insurance companies don’t offer rates over the internet and many times these regional insurance providers work with independent agents.

In this article, we presented quite a bit of information on how to get a better price on 2017 Lincoln Navigator insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices are with the smaller companies.

Drivers switch companies for many reasons like an unsatisfactory settlement offer, delays in paying claims, lack of trust in their agent or being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company can be easier than you think.

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