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Lincoln Navigator Insurance Rates

Drivers have lots of options when comparing insurance rates on your Lincoln vehicle. You can buy direct from an agent or shop online to compare rates from companies. Buying auto insurance by quoting online is easy, plus you can save money.

People who are new to buying insurance may think buying low-cost Navigator insurance is hard. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by the following

Car insurance premiums on a Lincoln Navigator will vary greatly based upon several criteria. Including but not limited to:

  • The performance level of your Navigator
  • Your accident history
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • Your claim history
  • Having current coverage saves
  • Home ownership saves money

An additional factor that helps determine Navigator insurance rates is the year of the vehicle. Newer models cost more than older models so repair costs are higher which will push premiums up. On the flip side, newer vehicles may have safety features like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection so those may lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Navigator from the list below.

Liability coverages - Liability insurance can cover damage or injury you incur to people or other property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverages - Collision insurance covers damage to your Lincoln resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Navigator can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper Navigator insurance rates.

Comprehensive coverages - This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments - Coverage for medical payments and/or PIP provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP is not an option in every state and gives slightly broader coverage than med pay.

How Much are Lincoln Navigator Insurance Rates?