2017 Lincoln Navigator Insurance Quotes – 10 Tips for Cheapest Rates

Trying to find cheaper auto insurance rates for your Lincoln Navigator? Nobody I know likes having to buy auto insurance, particularly when they could lower their rates if they shopped around. Online insurance companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with TV and radio ads and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you have a current auto insurance policy or are just looking to switch companies, you can use these techniques to find better prices while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Drivers just need to understand the best way to shop for auto insurance over the internet.

Ten discounts for affordable insurance quotes

Companies do not advertise every disount available in an easy-to-find place, so we break down a few of the more well known in addition to some of the lesser obvious insurance savings.

  • Claim Free – Insureds with no claims or accidents can earn big discounts compared to drivers with a long claim history.
  • Sign Online – Some of the larger companies will discount your bill up to fifty bucks for buying your policy online.
  • Telematics Devices – Drivers who agree to allow their company to spy on where and when they drive through the use of a telematics system such as State Farm’s In-Drive might see lower rates as long as they are good drivers.
  • Military Rewards – Being deployed in the military may lower your insurance rates slightly.
  • Professional Organizations – Belonging to a civic or occupational organization can get you a small discount on your bill.
  • Multi-line Discount – Some companies give a lower insurance rate if you buy some life insurance in addition to your auto policy.
  • Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Safety Course Discount – Taking a course in safe driver may get you a small discount and easily pay for the cost of the class.
  • Switch and Save Discount – A few insurance companies allow discounts for switching companies prior to the expiration date on your current policy. This discount can save up to 10%.
  • Anti-lock Brakes – Cars with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.

As a sidenote, some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

Popular insurance companies and some of the discounts are included below.

  • State Farm offers discounts including safe vehicle, multiple autos, good student, driver’s education, passive restraint, defensive driving training, and accident-free.
  • Progressive offers discounts for multi-policy, homeowner, continuous coverage, online quote discount, good student, multi-vehicle, and online signing.
  • Progressive offers premium reductions for multi-policy, good student, homeowner, continuous coverage, and multi-vehicle.
  • MetLife includes discounts for accident-free, multi-policy, claim-free, defensive driver, good student, and good driver.
  • Farm Bureau may offer discounts for multi-policy, safe driver, 55 and retired, driver training, good student, youthful driver, and multi-vehicle.
  • GEICO may include discounts for emergency military deployment, federal employee, multi-vehicle, anti-theft, membership and employees, seat belt use, and good student.
  • SAFECO may have discounts that include anti-theft, drive less, teen safe driver, anti-lock brakes, safe driver, accident prevention training, and homeowner.

When getting a coverage quote, ask all the companies the best way to save money. All car insurance discounts may not apply to policies everywhere. To see a list of insurance companies that have a full spectrum of discounts, click here to view.

Compare insurance coverage rates

Shopping for lower insurance coverage rates can take hours if you don’t know the easiest way. You could spend the better part of a day discussing policy coverages with agents in your area, or you could save time and use the internet to maximize your effort.

Many of the larger companies take part in a program where prospective buyers submit their information once, and at least one company can provide price quotes based on that information. This prevents consumers from doing quote requests for each company. To compare pricing click here (opens in new window).

The only drawback to comparing rates this way is that consumers can’t choose which carriers to receive prices from. So if you prefer to choose specific insurance companies to compare prices, we have a page of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare nearly identical quote information with every price quote. If you compare differing limits you will not be able to decipher which rate is best.

You may need specialized insurance coverage coverage

When it comes to buying adequate coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine if your situation may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need replacement cost coverage on my 2017 Lincoln Navigator?
  • What is no-fault insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do all my vehicles need collision coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

Can you really save if you switch?

Consumers get pounded daily by advertisements that claim the best auto insurance rates from companies such as Allstate and Progressive. They all seem to make an identical promise about how much you will save if you switch to their company.

How does each company charge lower premium rates? This is the way they can do it.

Many companies have a preferred profile for the type of insured that will most likely be profitable. For example, a profitable insured should be over the age of 50, has never had a policy lapse, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” receives the best auto insurance rates and will most likely cut their rates substantially.

Potential insureds who don’t meet these stringent criteria may be required to pay higher prices and this can result in the customer buying from a different company. The ads say “drivers that switch” not “everyone that quotes” save the amount stated. This is how companies can truthfully make it sound like they have such great auto insurance rates. Different companies use different criteria so you really should compare quotes as often as possible. Because you never know which car insurance company will have the best rates.

Car insurance coverages for a 2017 Lincoln Navigator

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, hitting a deer and a broken windshield. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

Liability coverage will cover damage or injury you incur to a person or their property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as emergency aid, medical services, medical expenses, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include 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. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision insurance covers damage to your Navigator resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, nursing services, funeral costs, X-ray expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Smart shoppers get results

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In too many instances, consumers will sacrifice liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

We just covered a lot of techniques to compare 2017 Lincoln Navigator insurance premium rates online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Cheaper 2017 Lincoln Navigator insurance can be found online in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get quotes online and most of the time these smaller companies sell through independent agencies.

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