Save on 2014 Lincoln Navigator Insurance Quotes

Trying to find lower insurance rates for your Lincoln Navigator? Confused by the dozens of insurance companies? You’re not the only one! You have so many options that it can easily become a big hassle to find the perfect company for you.

Lincoln Navigator rates are in the details

An important part of buying insurance is that you know the different types of things that play a part in calculating car insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

Shown below are a few of the “ingredients” used by your company to calculate rates.

  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes have accidents in similar numbers, but the males cause more damage. They also get more serious tickets like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive car insurance rates.
  • Occupation reflects on rates – Occupations such as real estate brokers, executives and dentists are shown to have the highest average rates because of stressful work requirements and lots of time spent at work. Other occupations like actors, historians and the unemployed pay the least on Navigator insurance.
  • Mature drivers pay less – Mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets. Young drivers have a tendency to be more careless in a vehicle therefore car insurance rates are much higher.
  • Bump up deductibles to save – Physical damage deductibles represent how much money you are willing to pay in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims could be colliding with a building, collision with an animal, and burglary. The higher the amount you have to pay, the less your car insurance will be on Navigator insurance.
  • Traffic violations increase rates – Drivers with clean records get better rates than people who have multiple driving citations. Only having one ticket may increase your cost by as much as thirty percent. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • An active claims history can cost you – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Auto insurance companies provide better rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse is a guaranteed way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance may earn you a steep fine or even jail time.
  • Where you live can impact rates – Being located in a rural area can be a good thing when talking about car insurance. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities have much more traffic to deal with and much longer commute distances. More time commuting means higher likelihood of an accident.

Compare Quotes for Insurance Coverage

There are a variety of methods to shop for 2014 Lincoln Navigator insurance coverage, and some are less labor-intensive and much quicker. You can waste a lot of time driving to agents in your area, or you could use the web to quickly compare rates.

Many popular insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and at least one company can give them a price based on that data. This eliminates the need for quote requests for every insurance coverage company.

To find out what other companies charge for 2014 Lincoln Navigator insurance click here to start a free quote.

The only drawback to getting quotes like this is you can’t choose the providers to receive prices from. So if you prefer to choose individual companies to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

Whichever method you choose, ensure you’re using the exact same deductibles and coverage limits on every quote you get. If you use higher or lower deductibles you can’t possibly truly determine the lowest rate. Having just a slight variation in insurance coverages can mean a large discrepancy in price. Just keep in mind that getting more free quotes will enable you to find the best rates.

Save $384 a year? Really?

Companies like Progressive, Geico, Allstate and State Farm constantly bombard you with ads in print and on television. All the ads make the same claim that you can save if you switch to their company. How does each company make the same claim?

Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a preferred risk might be profiled as over the age of 40, a clean driving record, and has excellent credit. Any new insured who meets those qualifications receives the best rates and as a result will probably save when switching.

Potential customers who don’t meet these standards will have to pay a higher premium and ends up with business not being written. The ads state “customers who switch” not “people who quote” save that much money. This is how companies can state the savings.

Because of the profiling, you need to get quotes from several different companies. It’s impossible to know which insurance company will have the lowest Lincoln Navigator insurance rates.

How much can you save with discounts?

Car insurance is not cheap, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but less common discounts must be inquired about prior to receiving the credit.

  • Club Memberships – Affiliation with certain professional organizations could trigger savings on insurance coverage on Navigator insurance.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying your policy digitally online.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
  • Good Student Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. Just because you may think you could get a free insurance coverage policy, you’re out of luck. But all discounts will reduce the cost of coverage.

To see a list of companies offering insurance coverage discounts, click here to view.

How much car insurance do I need?

When buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether you might need an agent’s assistance.

  • Is my ex-spouse still covered by my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • If my 2014 Lincoln Navigator is totaled, can I afford another vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • What is the difference between comprehensive and collision coverage?
  • Is pleasure use cheaper than using my 2014 Lincoln Navigator to commute?
  • Does my liability insurance cover pulling a trailer or camper?
  • What can I do if my company denied a claim?
  • What discounts do I qualify for?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Lincoln Navigator.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as EMT expenses, funeral costs, dental work and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as 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 (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, hitting a bird, damage from flooding and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, medical expenses, structural damage, funeral expenses and bail bonds. How much coverage you buy is up to you, but consider buying higher limits if possible.

Collision coverage protection

This covers damage to your Navigator resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Pennies from heaven

We’ve covered quite a bit of information on how to shop for 2014 Lincoln Navigator insurance online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from the least-expected company.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There have been many situations where drivers have reduced full coverage to discover at claim time they didn’t have enough coverage. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

People switch companies for a variety of reasons including extreme rates for teen drivers, denial of a claim, being labeled a high risk driver and poor customer service. Whatever your reason, choosing a new insurance company can be easier than you think.

More detailed insurance coverage information is available by following these links: