How Much Does 1998 Lincoln Navigator Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat.

Many car insurance companies compete for your business, and because of this it can be hard to compare insurers to discover the definitive lowest rate

You need to get comparison quotes before your policy renews due to the fact that insurance rates go up and down regularly. Even if you think you had the best price on Navigator insurance last year you can probably find a lower rate today. So just block out anything you think you know about auto insurance because we’re going to show you how to use online quotes to remove unneeded coverages and save money.

How to Lower Your Auto Insurance Cost

Performing a rate comparison is a ton of work if you don’t understand the easiest way. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many of the larger companies take part in a program where insurance shoppers complete one form, and every company returns a rated price determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To compare pricing click here to start a free quote.

The only drawback to getting quotes like this is you are unable to specify which companies you will receive quotes from. So if you prefer to pick specific insurance companies to request quotes from, we have a page of companies who write auto insurance in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing the exact same deductibles and coverage limits for each comparison quote. If you use unequal deductibles or liability limits it will be very difficult to make an equal comparison. Slightly different limits can make a big difference in price. And when price shopping your coverage, more quotes helps you find better pricing.

Can switching companies really save?

Car insurance companies such as 21st Century, Allstate and State Farm regularly use ads on TV and radio. They all seem to make an identical promise of big savings if you move to their company. But how can every company claim to save you money? It’s all in the numbers.

All the different companies have a preferred profile for the right customer that is profitable for them. For example, a preferred risk could be between 30 and 50, owns a home, and drives newer vehicles. Any driver who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who are not a match for the requirements will be charged a higher premium which leads to the driver buying from a lower-cost company. The ads say “people who switch” not “people who quote” save that much. That’s why companies can make those claims.

That is why drivers must quote coverage with many companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Lincoln Navigator rates are in the details

Smart consumers have a good feel for the rating factors that go into determining the price you pay for insurance coverage. Having a good understanding of what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

  • Your stress level may be raising your rates – Jobs such as lawyers, social workers and financial analysts are shown to have higher average rates in part from stressful work requirements and long work days. Conversely, occupations like farmers, engineers and retirees pay the least on Navigator insurance.
  • Men fork out a little more – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Women and men cause accidents in similar numbers, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving. Young males tend to get in the most accidents and are penalized with high insurance coverage rates.
  • Equipment add-ons that lower insurance coverage rates – Choosing a vehicle with an alarm system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Claim-free discounts can add up – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies award cheaper rates to people who do not file claims often. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Extra add-on coverages are wasting money – There are a lot of extra coverages that you can buy if you aren’t careful. Things like vanishing deductibles, towing coverage and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they’re wasting money remove them from your policy.
  • Choose a safe vehicle and save – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Lincoln is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire will be a fast way to increase your insurance coverage rates. Not only will you pay more, but not being able to provide proof of insurance may earn you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Policy discounts you shouldn’t miss

The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but a few must be manually applied prior to receiving the credit.

  • No Claims – Claim-free drivers pay less as compared to frequent claim filers.
  • Defensive Driver – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Navigator insurance with select insurance companies.
  • Distant Student – Kids in college who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get reduced rates on Navigator insurance.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.

It’s important to understand that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, you’re out of luck. But all discounts will bring down the amount you have to pay.

To see a list of insurers offering auto insurance discounts, click here to view.

Insurance agents can help

When it comes to buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you might need professional guidance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Is my custom paint covered by insurance?
  • When would I need additional glass coverage?
  • Am I insured when driving a different vehicle?
  • Am I covered if I wreck a rental car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverage breakdown

Understanding the coverages of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages offered by car insurance companies.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills such as surgery, ambulance fees, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1998 Lincoln Navigator.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability – Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

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. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as bail bonds, court costs, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

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

Collision insurance covers things like crashing into a building, hitting a mailbox, colliding with a tree, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, a broken windshield, hail damage, hitting a bird and damage from flooding. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Buy Smart and Save

Cheaper 1998 Lincoln Navigator insurance is available from both online companies in addition to many insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. Too many times, someone dropped physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.

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