Compare 2019 Lincoln Navigator Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 17, 2024

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Drivers have options when trying to find low-cost Lincoln Navigator insurance. They can either spend hours driving around getting price quotes or leverage the internet to make rate comparisons.

There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to get price quotes for a new or used Lincoln and get the lowest price either online or from local insurance agents.

It’s a good idea to compare prices once or twice a year since insurance prices are usually higher with each renewal. Even if you got the lowest rates for Navigator insurance at your last renewal you can probably find a lower rate today. Ignore everything you know about insurance because we’re going to show you one of the quickest ways to find lower rates on insurance.

Educated choices result in lower insurance rates

Smart consumers have a good feel for a few of the rating criteria that play a part in calculating auto insurance rates. If you know what determines premiums, this empowers consumers to make smart changes that could result in lower rates.

  • Accidents hurt – Even one driving citation can increase rates by twenty percent. Drivers with clean records have lower premiums than their less careful counterparts. Drivers who have gotten flagrant citations such as DUI or reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Tough employer may mean higher premiums – Careers such as military generals, social workers and financial analysts generally have higher premium rates in part from high stress levels and lots of time spent away from family. Conversely, occupations such as actors, students and performers have the lowest average rates for Navigator insurance.
  • Small coverages can add up – There are many extra coverages that you can get tricked into buying on your auto insurance policy. Insurance for roadside assistance, accident forgiveness, and membership fees may not be needed and are just wasting money. These coverages may sound good when buying your policy, but if you’ve never needed them in the past get rid of them and save.
  • Discounts for multiple policies – Lots of auto insurance companies will give discounts to customers that have more than one policy, otherwise known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even with this discount applied, you may still want to compare rates to make sure you are getting the best deal. It’s possible to still save even more than the discount even if you insure with multiple companies.
  • Premiums impacted by vehicle usage – The more you drive your Lincoln every year the more you will pay for auto insurance. A lot of companies apply a rate based upon how much you drive. Vehicles that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. An improperly rated Navigator may be costing you. It’s a good idea to make sure your auto insurance policy is showing the correct usage for each vehicle.
  • Deter theft and reduce prices – Buying a car with advanced anti-theft systems can get you a discount on your auto insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Your age impacts your rates – More experienced drivers are shown to be more cautious, tend to file fewer claims . Beginning drivers are statistically shown to be easily distracted when driving and because of this, their auto insurance rates are much higher.
  • Five star NHTSA crash test rating saves money – Safer cars tend to have lower insurance rates. Safer cars reduce the chance of injuries and fewer injuries means lower claim amounts and cheaper rates on your policy. If the Lincoln Navigator has at least four stars on you are probably receiving a discount.

These discounts can lower your auto insurance rates

Not too many consumers would say auto insurance is affordable, but there could be significant discounts that many consumers don’t even know exist. Certain credits will be shown at the time you complete a quote, but some discounts are required to be manually applied before you get the savings.

  • Professional Memberships – Being a member of qualifying clubs or civic groups could qualify you for a break on your policy.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% off the PIP or medical payment premium.
  • Driver’s Ed – Require your teen driver to complete a driver education course in school.
  • Driver Safety – Taking a defensive driver class can save you 5% or more and easily pay for the cost of the class.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.

Please keep in mind that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Even though it appears you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that have most of these discounts include:

  • State Farm
  • Progressive
  • Progressive
  • MetLife
  • Farm Bureau

Before purchasing a policy, check with all companies you are considering which credits you are entitled to. Discounts might not be offered in every state. If you would like to view companies that offer the discounts shown above, enter your zip code here.

Well known brands might not be cheapest

Drivers can’t avoid all the ads that claim the cheapest prices from the likes of State Farm, GEICO and Progressive. All the companies tend to make the same promise about how much you will save if you switch to them.

How is it possible that every company can charge lower premium rates? This is the way they can do it.

Insurance companies have specific characteristics for the type of driver that will most likely be profitable. A good example of a profitable insured could possibly be over the age of 45, owns a home, and does not commute to work. A driver who meets those qualifications will get very good prices and will also save a lot of money.

Insureds who don’t measure up to these standards will be charged higher premiums and this can result in the prospect going elsewhere. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” will save that much if they switch. That’s why insurance companies can make claims like that.

This really drives home the point why you absolutely need to get price quotes at each policy renewal. Because you cannot predict which company will provide the lowest premium rates.

Different people need different auto insurance coverages

When choosing the best auto insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your situation will benefit from professional help.

  • Can I drive in Mexico and have coverage?
  • Am I covered if my car is in a flood?
  • How much liability do I need to cover my assets?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need PIP coverage since I have good health insurance?
  • Do I pay less for low miles?
  • Are split liability limits better than a combined single limit?
  • Is there coverage for injuries to my pets?
  • Why does it cost so much to insure a teen driver?
  • Can I get a multi-policy discount?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It only takes a few minutes and can provide invaluable advice.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Auto collision coverage

Collision coverage will pay to fix damage to your Navigator from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Liability coverages

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, funeral expenses, emergency aid, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses like prosthetic devices, hospital visits, pain medications, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM 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 as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, hail damage, damage from a tornado or hurricane, falling objects and hitting a bird. The maximum amount your 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.

Pennies from heaven

The cheapest 2019 Lincoln Navigator insurance is definitely available on the web and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and many times these small insurance companies provide coverage only through independent insurance agencies.

People switch companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, an unsatisfactory settlement offer or even denial of a claim. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.

You just learned a lot of ways to reduce 2019 Lincoln Navigator insurance car insurance rates online. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even discover the lowest priced insurance comes from a small local company.

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