View 2018 Lincoln Navigator Insurance Cost

Trying to find lower insurance coverage rates for your Lincoln Navigator? Are you kicking yourself for buying high-priced insurance coverage? It’s a common feeling and many consumers feel financially strained by their insurance coverage policy.

Companies like Progressive, State Farm and GEICO all claim big savings with advertising and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s important to compare premium rates occasionally since rates are rarely the same from one policy term to another. Just because you found the best deal for Navigator coverage at your last renewal you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the fastest and easiest way to find better coverage at a better price.

Learn how to lower your insurance rates

Many things are part of the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but others are not as apparent such as your credit history or your commute time.

  • Improve your credit rating and save – An insured’s credit score can be an important factor in determining premium rates. So if your credit rating is lower than you’d like, you may save money insuring your 2018 Lincoln Navigator if you improve your credit rating. People that have good credit tend to be more responsible and file fewer claims than those with bad credit.
  • Too many claims and you’ll pay more – Auto insurance companies generally give better rates to people who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can pretty much guarantee higher rates. Your insurance policy is intended for claims that you cannot pay yourself.
  • Drive less and save – Driving a lot of miles in a year’s time the more you will pay for insurance coverage. Most companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time can get a lower rate compared to those used for work or business. Having an incorrect usage rating on your Navigator may be wasting your money. It’s always a good idea to double check that your insurance coverage declarations sheet states the correct usage for each vehicle.
  • Incidental coverages may not be needed – Policies have additional coverages that may not really be needed on your insurance coverage policy. Insurance for things like personal injury protection, towing, and additional equipment coverage are examples of these. These coverages may sound good at first, but your needs may have changed so remove them and pocket the money.
  • Male premiums may be higher – Statistics have proven females are less aggressive when driving. This data doesn’t prove that females are better drivers. Women and men cause auto accidents at a similar rate, but guys get into accidents with more damage. In addition to higher claims, males also get more serious tickets like reckless driving and DUI.

Get affordable auto insurance with discounts

Insuring your fleet can be pricey, but there may be some discounts that you may not know about. Many discounts should be triggered when you purchase, but a few need to be inquired about prior to getting the savings.

  • Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Drive Less and Save – Low annual miles may allow you to get lower prices on the low mileage vehicles.
  • Senior Discount – Mature drivers can possibly qualify for a small discount on rates for Navigator coverage.
  • Accident Waiver – Not a discount per se, but companies like Progressive, Allstate, and GEICO permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
  • Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Telematics Devices – Insureds that choose to allow data collection to study where and when they drive remotely such as State Farm’s In-Drive may get a rate reduction if they have good driving habits.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks off PIP or medical payments premium.
  • Theft Prevention System – Cars optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.

Consumers should know that most discounts do not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of insurers that offer some of these discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions could help you determine if your situation will benefit from professional help.

  • Can I get a multi-policy discount?
  • Do I need rental car coverage?
  • What is PIP insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I missing any policy discounts?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to 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.

Educate yourself about auto insurance coverages

Knowing the specifics of a auto insurance policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by auto insurance companies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like pain medications, rehabilitation expenses, dental work and ambulance fees. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, theft, fire damage, hitting a bird and falling objects. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

This provides protection from damages or injuries you inflict on other people or property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as pain and suffering, loss of income and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

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

Auto collision coverage

This will pay to fix damage to your Navigator resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

More quotes mean more savings

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an accident victim reduced full coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

We covered a lot of ways to shop for 2018 Lincoln Navigator insurance online. The key thing to remember is the more companies you get prices for, the better likelihood of getting inexpensive insurance coverage. Consumers could even find that the biggest savings come from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

Even more information is available at these sites: