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Lincoln Navigator Insurance Cost

Drivers have lots of options when finding cheaper insurance coverage on your Lincoln vehicle. You can either contact an insurance agent or shop online to check prices from car insurance companies. Shopping for auto insurance from online rate quotes is easy, plus you may find lower rates.

Consumers not familiar with buying insurance may think purchasing affordable Navigator insurance is more work than they want to put in. Finding cheaper coverage prices doesn't have to be difficult. All you need to do is take the time to compare quotes from different insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by...

Insurance premiums paid to insure a Lincoln Navigator can vary widely based upon several criteria. Including but not limited to:

  • The performance level of your Navigator
  • Any accidents you may have
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • No coverage lapses saves money
  • Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older Lincoln models so repair costs are higher which can inflate annual premiums. Conversely, more recent Lincoln vehicles have more advanced features such as active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors which can give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Navigator from the list below.

Liability insurance

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your Lincoln from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Lincoln Navigator Insurance Rates?