2007 Lincoln Navigator L Insurance Rates
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UPDATED: Mar 5, 2020
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Average insurance rates for a 2007 Lincoln Navigator L are $1,144 a year with full coverage. Comprehensive costs an estimated $212, collision insurance costs $300, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,466. Teen drivers receive the highest rates at up to $4,484 a year.
Annual premium for full coverage: $1,144
Rate estimates for 2007 Lincoln Navigator L Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2007 Lincoln Navigator L models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range range from as low as $522 for a discount liability-only rate to the much higher price of $2,466 for a high risk driver.
These differences demonstrate why everyone should compare prices for a targeted area and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2007 Lincoln Navigator L Insurance
I can’t think of anyone who enjoys paying for auto insurance, particularly when their premiums are through the roof.
Because there are so many insurance companies to choose from, it can be impossible to locate the best car insurance company.
Consumers need to shop coverage around quite often because insurance rates change regularly. Just because you had the best deal for Navigator L insurance a couple years back other companies may now be cheaper. Block out anything you think you know about auto insurance because we’re going to demonstrate one of the quickest ways to properly buy coverages while reducing your premium.
Compare Car Insurance Costs
There are several ways to compare rate quotes from car insurance companies in your area. The best method to find competitive 2007 Lincoln Navigator L insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.
- The recommended way to get quotes for comparison is to use a rate comparison form click to view form in new window. This type of form eliminates the need for multiple quote forms for every car insurance company. Just one form gets you price quotes from many national carriers.
- A slightly less efficient method to compare prices is to manually visit the website of each company to complete a price quote. For examples sake, we’ll pretend you want rates from GEICO, Safeco and GMAC. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.
For a list of links to companies insuring cars in your area, click here.
Whichever way you use, ensure you are comparing the exact same coverage limits for every company. If you have mixed coverages it’s impossible to make a fair comparison for your Lincoln Navigator L. Quoting even small variations in limits can result in a big premium difference. And when quoting car insurance, remember that obtaining a wide range of quotes gives you a better chance of getting lower pricing.
Are you falling for claims of savings?
Companies like Allstate, GEICO and Progressive consistently run ads on TV and radio. All the ads have a common claim of big savings if you change to them. How do they all make the same claim?
All companies have a preferred profile for the type of customer that makes them money. An example of a desirable insured could be over the age of 40, is a homeowner, and has a high credit rating. A driver who matches those parameters will qualify for the lowest rates and most likely will save when switching.
Potential customers who do not match these standards must pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” but not “drivers who get quotes” save money. This is how insurance companies can confidently make the claims of big savings. This illustrates why it is so important to compare as many rates as you can. You cannot predict which company will provide you with the cheapest Lincoln Navigator L insurance rates.
Parts of the Lincoln Navigator L rate equation
Consumers need to have an understanding of some of the elements that go into determining the price you pay for insurance coverage. Knowing what determines base rates allows you to make educated decisions that could result in big savings.
Listed below are some of the factors companies use to determine premiums.
- Theft deterrents lower rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
- Men pay higher rates – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both have accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
- Drive a safer car and pay less – Safer cars are cheaper to insure. Safer cars have better occupant injury protection and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If the Lincoln Navigator L has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
- How your age affects price – Young drivers have a tendency to get distracted easily behind the wheel so they pay higher insurance coverage rates. Parents adding a teenage driver to your insurance coverage policy can be very expensive. Older drivers are more responsible, statistically cause fewer accidents and are safer drivers.
- Don’t cancel a policy without a new one in place – Allowing your coverage to lapse will be a quick way to pay more for insurance coverage. And not only will insurance be more expensive, getting caught without coverage may earn you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
- Pleasure use or commuting – The higher the mileage driven in a year’s time the higher your rates will be. Most companies price each vehicle’s coverage based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Improper usage on your Navigator L can cost quite a bit. Double check that your insurance coverage declarations sheet shows the correct usage for each vehicle.
- Do you know you’re credit rating? – A driver’s credit history is a large factor in calculating your insurance coverage rates. So if your credit history is not that good, you could be paying less to insure your 2007 Lincoln Navigator L by repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores.
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Are you getting all your discounts?
Auto insurance companies don’t always advertise every available discount very well, so we took the time to find both well-publicized as well as the least known car insurance savings.
- Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
- Clubs and Organizations – Participating in a qualifying organization could qualify you for a break on your policy for Navigator L insurance.
- Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Save over 55 – If you’re over the age of 55, you may receive reduced rates for Navigator L insurance.
- Auto/Home Discount – When you have multiple policies with the same insurance company you will save at least 10% off all policies.
- No Charge for an Accident – A few companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
- Federal Employees – Employees or retirees of the government could cut as much as 10% off for Navigator L insurance depending on your company.
- Distant Student – Youth drivers who are attending college and do not have a car may be able to be covered for less.
- New Car Discount – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
- Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
It’s important to note that most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.
To see a list of companies with the best car insurance discounts, follow this link.
Tailor your coverage to you
When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.
- Is upholstery damage covered by car insurance?
- Does my 2007 Lincoln Navigator L qualify for pleasure use?
- Am I covered if I break a side mirror?
- Do I have coverage when pulling a U-Haul trailer?
- Do I have coverage if my license is suspended?
- Does coverage extend to my business vehicle?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Specific coverage details
Understanding the coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things like rock chips in glass, a broken windshield and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage protection
This covers damage to your Navigator L caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like rolling your car, damaging your car on a curb, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.
Medical payments coverage and PIP
Med pay and PIP coverage reimburse you for short-term medical expenses like EMT expenses, funeral costs and pain medications. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Liability coverage can cover damages or injuries you inflict on a person or their property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things such as court costs, loss of income and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.
Better coverage you can count on
We’ve covered a lot of ways to save on 2007 Lincoln Navigator L insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance coverage comes from an unexpected company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.
Affordable insurance is attainable both online in addition to many insurance agents, so compare prices from both to have the best selection. Some insurance providers do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.
As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There are too many instances where someone dropped collision coverage and learned later that it was a big error on their part. Your focus should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
- Auto Insurance FAQ (Farmers Insurance)
- Rental Reimbursement Coverage (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- Eight Auto Insurance Myths (Insurance Information Insitute)
- Older Drivers FAQ (iihs.org)
Rates by U.S. City
|New York City, NY||$1,809|
|Los Angeles, CA||$1,956|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$74|
|5-yr Claim Free||$73|
|Paid in Full/EFT||$45|
Discounts are estimated and may not be available from every company or in every state.