2016 Lincoln Navigator Car Insurance Cost in 2024 – 5 Tips for Best Prices

Searching for lower car insurance rates for your Lincoln Navigator? Did a good deal turn out to be high-priced car insurance? Trust us, many drivers feel the same as you.

Popular companies such as Allstate and Progressive all promote huge savings with advertising and it can be hard to ignore the promise of big savings and do the work needed to find the best deal.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Finding the best rates is quite easy. Although vehicle owners must learn the way insurance companies determine prices and apply this information to your search.

Insurance coverage rates and discounts

Insuring your vehicles can cost a lot, but there are discounts available that many people don’t even know exist. Most are applied when you get a quote, but some discounts are required to be requested specifically prior to getting the savings. If you are not receiving all the discounts possible, you are not getting the best rate possible.

• No Charge for an Accident – but companies like Liberty Mutual, Allstate and State Farm will let one accident slide without raising rates if you have no claims for a set time period.
• Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for Navigator coverage with a few insurance coverage companies.
• Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your car insurance quote.
• E-sign – A few insurance companies may give you up to $50 shop car insurance on their website.
• Mature Driver Discount – If you qualify as a senior citizen, you may receive reduced rates for Navigator coverage.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

A few companies that have these money-saving discounts possibly include:

• GEICO
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

It’s a good idea to ask every company what discounts are available to you. Discounts may not be offered in your area.

Quote auto insurance online

There are multiple methods you can shop for auto insurance but some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize the internet to get rates in a matter of minutes.

Most of the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each participating company then gives them pricing determined by their information. This prevents consumers from doing form submissions for every auto insurance company.

To fill out one form to compare multiple rates now enter your zip code here.

One minor caveat to doing it this way is you are unable to specify which insurance companies to receive prices from. If you would rather choose specific providers to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click to enter zip code for insurance companies.

Take whichever approach you prefer, but try to keep exactly the same coverage limits and deductibles with each company. If you are comparing differing limits it will be next to impossible to get a fair rate comparison. Just a small difference in coverage limits may result in large price differences. Just remember that comparing a large number of companies will enable you to find lower pricing.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Each situation is unique so this has to be addressed. For instance, these questions might help in determining whether you might need professional guidance.

• Is other people’s property covered if stolen from my vehicle?
• What if I don’t agree with a claim settlement offer?
• When would I need additional glass coverage?
• Am I covered if I drive in a foreign country?
• Are there companies who specialize in insuring high-risk drivers?
• Should I have a commercial auto policy?
• Is my nanny covered when driving my vehicle?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Why does it cost so much to insure a teen driver?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Can you really save if you switch?

Well-known insurance coverage companies like 21st Century, Allstate and State Farm seem to constantly run ads in print and on television. They all advertise the message that people will save if you move your policy. Is it even possible that every company can charge less that you’re paying now? It’s all in the words they use.

Many companies can use profiling for the driver that is profitable for them. An example of this type of driver might be described as over age 30, has had continuous coverage, and insures a new vehicle. Anyone that matches those criteria receives the best prices and is almost guaranteed to save when switching.

Consumers who fall short of the requirements must pay higher premium rates with the end result being the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” can save as much as they claim. That’s the way insurance companies can confidently make those statements. This illustrates why drivers must get a wide range of price quotes. Because you cannot predict which company will have the lowest rate quotes.

Parts of your auto insurance policy

Having a good grasp of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lincoln Navigator.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability

This protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, medical expenses and bail bonds. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as funeral costs, pain medications and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, rock chips in glass, a broken windshield, damage from getting keyed and falling objects. The maximum payout your auto 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.

Spend less. Save more.

The cheapest 2016 Lincoln Navigator insurance can be found from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer online rate quotes and usually these smaller companies prefer to sell through independent insurance agencies.

We’ve covered a lot of ways to shop for 2016 Lincoln Navigator insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding the cheapest car insurance. Drivers may discover the best price on insurance is with a lesser-known regional company. Smaller companies often have lower premium rates on specific markets compared to the large companies like GEICO and State Farm.

As you quote car insurance, don’t be tempted to reduce coverage to reduce premium. In many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage for the lowest cost.