Compare 2020 Lincoln Navigator Insurance Quotes in 2024

Want lower insurance rates for your Lincoln Navigator? Feel like you’re a prisoner to an underperforming, overpriced insurance policy? You’re preaching to the choir because many consumers are in the same pinch. Because there are so many options when it comes to insurance, it’s nearly impossible to choose the cheapest company.

How to lower your insurance rates

Many factors are used when you get your auto insurance bill. Some are obvious like an MVR report, but other criteria are less obvious such as your marital status or your financial responsibility. When buying car insurance it’s important to understand some of the factors that aid in calculating the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that can help you get lower premium levels.

The items below are a partial list of the pieces used by insurance companies to determine your rate level.

• High credit history translates to low premiums – Credit rating will be a significant factor in determining what you pay. People that have high credit scores tend to be more responsible and file fewer claims than those with lower credit ratings. If your credit score leaves room for improvement, you may save money insuring your 2020 Lincoln Navigator by improving your rating.
• Prevent coverage lapses – Driving without insurance coverage in place is against the law and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, the inability to provide proof of insurance can result in a hefty fine and possibly a revoked license.
• More traffic equals higher costs – Residing in a small town has definite advantages when talking about car insurance. Urban drivers have to deal with congested traffic and higher rates of accident claims. Less people living in that area translates into fewer accident claims.
• Gender as a rate factor – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Both sexes are responsible for accidents at about the same rate, but the men tend to have more serious accidents. In addition to higher claims, males also receive more major tickets such as DWI and reckless driving. Young men ages 16 to 20 cause the most accidents and thus pay the highest rates.
• If you don’t need it don’t buy it – There are a ton of extra add-on coverages that can add up but may not be useful. Coverages for replacement cost coverage, accident forgiveness, and additional equipment coverage are probably not needed. You may think they are a good idea when you first buy your policy, but if you have no use for them think about removing them and cutting costs.

First Step: Get free insurance quotes

Performing a rate comparison can be a daunting task if you don’t know the most efficient way. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to quickly compare rates.

Most of the best insurance companies take part in a program where prospective buyers only type in their quote data once, and at least one company then returns a price quote based on that data. This eliminates the need for quotation requests for each company. To access this free quoting program, enter your zip code here.

The one disadvantage to comparing rates this way is you are unable to specify the companies you will receive quotes from. So if you want to select individual companies to request quotes from, we have assembled a list of low cost insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but try to use nearly identical quote data for each quote you get. If you have unequal deductibles or liability limits you can’t possibly decipher which rate is best.

The ad said I’d save $457 a year!

Consumers can’t get away from all the ads for cheaper insurance by companies like State Farm and Allstate. All the ads make the point that drivers can save some big amount if you just switch your coverage.

It sounds good, but how can they all charge you a lower premium? This is the trick they use.

All the different companies quote their cheapest rates for the type of customer that will add to their bottom line. For instance, a driver they prefer could be between the ages of 30 and 45, is a homeowner, and the vehicle is rated for pleasure use. A customer getting a price quote who meets those qualifications will get very good rates and will probably cut their rates substantially.

Consumers who do not meet the “perfect” profile will be charged a more expensive rate which leads to the prospect going elsewhere. The wording the ads use say “people that switch” not “everybody who quotes” will save that much if they switch. That’s why insurance companies can make those statements.

Because of the profiling, it is so important to compare free insurance coverage quotes often. Because without a comparison, you cannot know which insurance companies will have the best prices.

Insurance coverage companies offer lots of discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that can dramatically reduce your bill. Many discounts should be triggered when you complete an application, but some discounts are required to be requested specifically in order for you to get them. If you do not double check each discount available, you could be getting lower rates.

• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance too.
• Student Driver Training – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• Distant College Student Discount – College-age children who are enrolled in higher education away from home and do not have a car may be able to be covered for less.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of 20 to 30 percent.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So even though you would think you can get free auto insurance, company stockholders wouldn’t be very happy.

To choose insurance companies that have a full spectrum of discounts, enter your zip code here.

Do I just need basic coverages?

When it comes to buying adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from professional advice.

• Does my policy cover me when driving someone else’s vehicle?
• Does insurance cover damages from a DUI accident?
• Is other people’s property covered if stolen from my vehicle?
• What is the difference between comprehensive and collision coverage?
• Can my babysitter drive my car?
• Is my cargo covered for damage or theft?
• Does medical payments coverage apply to all occupants?
• Should I sign the liability waiver when renting a car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It is quick, free and you can get the answers you need.

What auto insurance coverages do you need?

Knowing the specifics of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.

Collision – Collision coverage pays for damage to your Navigator from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, sustaining damage from a pot hole, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family 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 very important. Frequently these coverages do not exceed the liability coverage limits.

Liability car insurance – Liability coverage can cover damage that occurs to other people or property. This coverage protects you from claims by other people. 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. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, structural damage, legal defense fees and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding and vandalism. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as funeral costs, X-ray expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

We just covered a lot of information how to lower your 2020 Lincoln Navigator insurance auto insurance rates. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. Drivers may discover the best auto insurance rates are with the smaller companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Progressive and GEICO.

The cheapest 2020 Lincoln Navigator insurance is available both online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not provide the ability to get a quote online and many times these smaller companies provide coverage only through local independent agents.

While you’re price shopping online, never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.