Cheapest 2014 Lincoln Navigator Insurance Rates in 2023
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UPDATED: Jun 6, 2023
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Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are many consumers feeling the pinch from expensive auto insurance.
Lots of insurance companies contend for your business, so it’s not easy to compare every insurance company and get the definite best rate
Smart consumers take time to take a look at other company’s rates occasionally because rates are rarely the same from one policy term to another. Just because you had the best rates for Navigator coverage two years ago there may be better deals available now. Starting now, ignore everything you know about auto insurance because you’re going to learn one of the easiest ways to reduce your cost while increasing coverage.
Take discounts and save
Car insurance companies don’t always publicize all their discounts very well, so we researched both the well known as well as the least known savings tricks you should be using.
- Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for Navigator coverage with certain companies.
- Passive Restraint Discount – Cars that have air bags can receive discounts of up to 25% or more.
- Seat Belt Usage – Requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
- Accident Forgiveness – Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
- Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
- Drive Less and Save – Keeping the miles down on your Lincoln could qualify for lower rates on the low mileage vehicles.
- Own a Home – Owning a home can save you money because owning a home is proof that your finances are in order.
- Early Switch Discount – Select companies give a discount for signing up before your current expiration date. It’s a savings of about 10%.
- Military Rewards – Having a family member in the military can result in better rates.
Consumers should know that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.
For a list of companies offering insurance coverage discounts, click this link.
The best way we recommend to compare car insurance rates is to realize all the major auto insurance companies will pay a fee to compare their rates. To get started, all you need to do is take a few minutes to give details including if a SR-22 is required, how old drivers are, any included safety features, and if the car is leased. Your details is instantly submitted to multiple top-rated companies and they provide comparison quotes instantly.
To compare multiple company rates now, click here then complete the form.
Lincoln Navigator insurance rates are influenced by…
Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.
- Do you qualify for a multi-policy discount? – Some insurers give discounts to policyholders who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to make sure you are getting the best deal. Drivers may still find a better deal by buying car insurance from a different company.
- Pay less if you’re married – Having a spouse can get you a discount on car insurance. Having a spouse means you’re more responsible and statistics show married drivers get in fewer accidents.
- Extra add-on coverages are wasting money – There are a ton of add-on coverages that you can buy when buying car insurance. Insurance for roadside assistance, towing coverage and membership fees are examples of these. They may seem good initially, but your needs may have changed so eliminate the coverages to reduce your premium.
- Lower miles equals lower premium – The more you drive in a year’s time the more you will pay for car insurance. The majority of insurers rate vehicles based on their usage. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Improper usage on your Navigator may be costing you. Make sure your car insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
- High credit ratings translate to low rates – Having a bad credit score is a huge factor in determining what you pay for car insurance. So if your credit rating is lower than you’d like, you could save money insuring your 2014 Lincoln Navigator by repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than those with poor credit.
Which policy gives me the best coverage?
When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining if you might need an agent’s assistance.
- Why do I need rental car insurance?
- Am I covered when pulling a rental trailer?
- Is a blown tire covered by insurance?
- Do I need more liability coverage?
- Does my policy cover me when driving someone else’s vehicle?
- Is pleasure use cheaper than using my 2014 Lincoln Navigator to commute?
- Am I covered when using my vehicle for business?
- Will my vehicle be repaired with OEM or aftermarket parts?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.
Car insurance ads bend the truth
Car insurance companies such as Allstate, GEICO and Progressive regularly use ads in print and on television. They all seem to make an identical promise that you can save if you move to them. How can each company claim to save you money?
All companies can use profiling for the type of customer that earns them a profit. For instance, a preferred risk might be over the age of 40, is a homeowner, and has a short commute. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.
Potential customers who fall outside the “perfect” profile must pay more money and ends up with the customer not buying. The ads state “customers who switch” not “people who quote” save that much money. This is how insurance companies can advertise the way they do. This illustrates why it’s extremely important to compare many company’s rates. It’s just too difficult to predict which car insurance company will have the lowest Lincoln Navigator insurance rates.
Parts of your insurance policy
Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as EMT expenses, dental work, X-ray expenses, doctor visits and pain medications. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage
Comprehensive insurance coverage will pay to fix 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 claims like a tree branch falling on your vehicle, vandalism and hitting a bird. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2014 Lincoln Navigator.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
This coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.
Liability can pay for claims like loss of income, medical services and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.
Collision coverage protection
This covers damage to your Navigator caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things such as rolling your car, backing into a parked car, scraping a guard rail and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.
Keep this in mind
Cheap 2014 Lincoln Navigator insurance is possible online and with local insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
Throughout this article, we presented quite a bit of information on how to reduce insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers may even find the best prices are with a smaller regional carrier. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.
While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. In too many instances, drivers have reduced liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the best price.
- Teen Driver Statistics (Insurance Information Insitute)
- Winter Driving (Insurance Information Insitute)
- State Laws for Cellphones and Texting (iihs.org)
- Where can I buy Insurance? (Insurance Information Insitute)
Frequently Asked Questions
What factors affect the cost of insurance for a 2014 Lincoln Navigator?
Several factors influence the cost of insurance for a 2014 Lincoln Navigator. These include the driver’s age, driving record, location, annual mileage, and credit history. Insurance companies also consider the vehicle’s value, safety features, repair costs, and theft rates. To determine the cheapest insurance premium, it’s advisable to compare quotes from multiple insurers.
Can I find affordable insurance for a 2014 Lincoln Navigator?
Yes, it is possible to find affordable insurance for a 2014 Lincoln Navigator. The cost of insurance varies depending on various factors, but by shopping around and comparing quotes from different insurance providers, you can increase your chances of finding the cheapest option available.
How can I lower the insurance premiums for my 2014 Lincoln Navigator?
There are several strategies you can employ to lower insurance premiums for your 2014 Lincoln Navigator. First, consider increasing your deductibles, which can result in lower monthly premiums. Maintaining a clean driving record and taking defensive driving courses can also help reduce insurance costs.
Is it more affordable to insure a 2014 Lincoln Navigator compared to newer models?
Insuring a 2014 Lincoln Navigator may be relatively more affordable compared to insuring newer models of the same vehicle. Generally, insurance premiums tend to decrease as a vehicle ages due to factors such as depreciation and decreased value.
Does the location where I live affect the insurance cost for a 2014 Lincoln Navigator?
Yes, the location where you live can impact the cost of insurance for a 2014 Lincoln Navigator. Insurance companies consider factors such as population density, crime rates, and accident rates in your area when determining insurance premiums. If you reside in an area with high crime or accident rates, your insurance costs may be higher compared to areas with lower risks.
Can I reduce insurance costs by installing safety features in my 2014 Lincoln Navigator?
Yes, installing safety features in your 2014 Lincoln Navigator can help reduce insurance costs. Safety features such as anti-lock brakes, airbags, electronic stability control, and anti-theft systems can lower the risk of accidents and theft, making your vehicle safer to insure. Some insurance companies offer discounts for vehicles equipped with such safety features, so it’s worth discussing these options with your insurance provider.
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