The preferred way to get cheaper Lincoln Navigator insurance is to compare prices annually from insurers in Charlotte.
- First, gain an understanding of policy coverages and the changes you can make to prevent expensive coverage. Many policy risk factors that cause high rates like your driving record and a negative credit history can be amended by making minor driving habit or lifestyle changes.
- Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO or State Farm, while independent agencies can quote prices from multiple sources.
- Third, compare the new rate quotes to your current policy premium to see if a cheaper price is available in Charlotte. If you find better rates and buy the policy, make sure there is no coverage gap between policies.
One key aspect when comparing rates is that you’ll want to make sure you compare similar coverage information on every price quote and and to get prices from as many car insurance companies as possible. Doing this ensures a level playing field and the best price quote selection.
It’s a known fact that auto insurance companies don’t want you comparing rates. People who shop around for the cheapest rate will probably switch car insurance companies because they stand a good chance of finding a lower-priced company. A recent survey found that people who compared rate quotes regularly saved $865 a year compared to drivers who never shopped around for cheaper prices.
If finding the cheapest price on auto insurance is your ultimate target, then knowing how to quote prices and compare insurance premiums can help make the process easier and more efficient.
Most major insurance companies make it easy to get prices for coverage from their websites. Getting online rates for Lincoln Navigator insurance in Charlotte is fairly straightforward because it’s just a matter of typing in your coverage preferences as requested by the quote form. Behind the scenes, the company’s rating system sends out for your driving and credit reports and generates pricing information based on these factors.
Being able to quote online for Lincoln Navigator insurance in Charlotte streamlines rate comparisons, and it’s also necessary to get many rate quotes in order to get the best possible rates on insurance.
If you want to compare rates now, compare rates from the companies below. If you have your current policy handy, we recommend you copy the coverage information as close as possible to your current policy. Using the same limits helps guarantee you will get rate comparison quotes based on similar coverages.
The companies shown below can provide quotes in Charlotte, NC. If you want to find cheap car insurance in Charlotte, NC, it’s highly recommended you visit two to three different companies to find the most affordable car insurance rates.
Verify you’re getting every discount
Companies don’t always advertise the entire discount list very clearly, so the following list contains some of the more common and also the lesser-known credits that may apply to you.
- Buy New and Save – Insuring a new Navigator can save you some money because newer vehicles keep occupants safer.
- Smart Student Discounts – Getting good grades can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
- No Claims – Insureds with no claims or accidents are rewarded with significantly better rates on Charlotte car insurance quote compared to policyholders that have many claims.
- Early Signing – Some insurance companies give discounts for signing up prior to your current Navigator insurance policy expiring. It’s a savings of about 10%.
- Paper-free Discount – Some of the larger companies give back up to $50 for signing up digitally online.
- Include Life Insurance and Save – Insurance companies who offer life insurance give a break if you buy auto and life insurance together.
- Discounts for Multiple Vehicles – Having several vehicles on one policy could earn a price break for each car.
- Resident Student – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.
- Payment Method – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.
You can save money using discounts, but most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, insurance companies aren’t that generous. Any amount of discount will lower the premium cost.
The chart below shows the difference between Lincoln Navigator auto insurance rates with and without discounts. The premiums are based on a female driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, homeowner, claim-free, and multi-policy discounts applied.
To see insurance companies with discount insurance rates in North Carolina, click here.
Rates and detailed analysis
The table displayed next covers detailed analysis of insurance coverage prices for Lincoln Navigator models. Knowing how auto insurance policy rates are calculated is important for making smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Navigator L 2WD||$142||$272||$262||$16||$78||$770||$64|
|Navigator L 4WD||$142||$272||$262||$16||$78||$770||$64|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can revise coverage rates significantly.
The information below highlights how deductible selection and can influence Lincoln Navigator insurance premiums for different age categories. The information is based on a married male driver, comp and collision included, and no additional discounts are factored in.
Gender-based insurance premiums
The example below shows the difference between Lincoln Navigator auto insurance rates for male and female drivers. The data is based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
How much more does full coverage cost in Charlotte?
The chart below compares Lincoln Navigator yearly insurance costs with liability coverage only compared to full coverage. The rate quotes are based on no claims or violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.
When to stop buying full coverage
There is no written rule of when to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Lincoln Navigator replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after paying your deductible. If you are paying over $500 annually to have full coverage, then you may need to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage.
Learn How to Quote Auto Insurance for Less
Multiple criteria are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other factors are less obvious such as your credit history or your vehicle rating. An important part of buying insurance is that you know the different types of things that aid in calculating your auto insurance rates. When you know what positively or negatively determines base rates, this enables you to make decisions that can earn you lower premium levels.
Where you live can affect rates – Choosing to live in less populated areas has it’s advantages if you are looking for the lowest rates. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. City drivers have to deal with more road rage incidents and much longer commute distances. Longer commute distances means more chances of being involved in an auto accident.
Incidental coverages are wasting money – Insurance companies have many optional add-on coverages that you can get tricked into buying when buying auto insurance. Coverages for rental car coverage, accidental death, and additional equipment coverage may be costing you every month. These coverages may sound good when you first buy your policy, but your needs may have changed so consider taking them off your policy.
Drive a fast vehicle and pay more – The type of vehicle you are trying to find cheaper insurance for makes a big difference in your rates. Low performance passenger cars usually have the lowest rates, but there are many factors that impact the final cost.
The data below uses these assumptions: single male driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Lincoln Navigator rates compared to other models that have a range of performances.
Pleasure use saves money – The more you drive in a year the more it will cost to insure it. Most companies apply a rate determined by how the vehicle is used. Vehicles left parked in the garage can be on a lower rate level than vehicles that have high annual mileage. Verify your auto insurance policy is showing the correct usage for each vehicle. A policy that improperly rates your Navigator may be costing you.
Tickets and citations cost more than a fine – Just one speeding ticket or other violation could increase your next policy renewal by twenty percent. Good drivers have lower premiums than bad drivers. Drivers who have gotten serious violations like DUI or willful reckless driving are required to prove financial responsibility with their state in order to continue driving.
The illustration below illustrates how speeding tickets and at-fault claims influence Lincoln Navigator insurance costs for different ages of insureds. The premium estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
Vocation stress can affect rates – Do you have a high-stress occupation? Jobs like doctors, executives, and medical professionals tend to have higher premium rates in part from job stress and extremely grueling work hours. Other professions such as professors, engineers and the unemployed pay lower than average rates.
Lincoln Navigator statistical loss data – Insurance companies use historical loss data when setting premium prices. Models that are shown to have higher losses will have higher rates. The table shown below demonstrates the historical insurance loss data for Lincoln Navigator vehicles.
For each type of coverage, the claim probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Values that are below 100 indicate better than average losses, while percentage numbers above 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
|Specific Lincoln Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Lincoln Navigator 4dr 2WD||109||114||61|
|Lincoln Navigator 4dr 4WD||93||89||82|
|Lincoln Navigator L 4dr 2WD||129||69|
|Lincoln Navigator L 4dr 4WD||101||116||119|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years