Car Insurance Quotes for the Lincoln Navigator
Are You Getting the Cheapest Car Insurance Available for a Lincoln Navigator?
How Much Is Car Insurance for the Lincoln Navigator?
A Lincoln Navigator is a full-size luxury SUV that will give you a smooth, comfortable ride. Most owners cite the large personal space within to hold their items, the power of the engine and exterior styling as reasons why they love their Navigator.
With the right auto insurance, you can enjoy that ride knowing that you’re covered if you get into an accident. You can get that protection for between $98 and $187 on average, depending on the coverage you choose and several other factors.
Freeway Insurance has expert agents with experience in all types of vehicles and scenarios. They will help you find the cheapest car insurance based on your needs and budget.
Getting a Free Auto Insurance quote with Freeway is easy!
Comparing Insurance Costs for the Lincoln Navigator to Other Vehicles
Premium amounts for a Lincoln Navigator will not be the same as for other vehicles. Factors such as repair costs and theft rates vary with each car, so coverage costs also vary.
The following table compares the Navigator to similar vehicles:
| Make/Model | Annual Full Coverage |
|---|---|
| Lincoln Navigator | $2,244 |
| Cadillac Escalade | $2,444 |
| Acura MDX | $2,052 |
| BMW X7 | $2,240 |
Types of Car Insurance Coverage for the Lincoln SUV
Insurers base your rate partially on the types of car insurance coverage you choose. Full coverage and state minimum liability are two popular options.
Full Coverage
Your premiums will increase as you add more financial protections for yourself and your vehicle. If you’re willing to pay for it, a full coverage car insurance policy costs on average $187 per month. The good news is that it gives you collision insurance and comprehensive coverage, which together cover repairs to your car in a variety of situations, including car wrecks and hail damage.
State Minimum Liability
Alternatively, you can get minimum liability auto insurance coverage for about $98 per month. You’ll be covered if you injure others or damage property in an accident, but your own vehicle won’t be protected unless the other party is at fault. Although this is a cheaper option, it’s not always the best way to protect yourself.
Let’s say you obtain car insurance in Nebraska, where the state requires you to have a minimum of $25,000 per person and $50,000 per accident to cover bodily injury, and $25,000 for property damage per accident. If you’re at fault for a crash and you total the other driver’s vehicle, you’ll have to pay the difference out of pocket if that other car costs more than $25,000.
Individual Factors That Influence Pricing for the Lincoln Navigator
Insurance underwriters consider multiple factors when determining the cost of your policy. Here are some examples:
How Many Miles You Drive in a Year
If you travel a lot, there is a higher chance you’ll be involved in an accident while you’re on the road, so insurers will charge you more.
Your Location
Every zip code has a different accident and theft rate. Your insurance company will use this information to help determine the cost of your policy.
Your Age
New drivers, especially teenagers, are considered riskier than others with more experience on the road, which is why an underwriter will look at your age as they calculate your coverage costs.
How Does a DUI Affect Insurance Rates?
People who are convicted of DUI are considered high-risk drivers who are more likely to file claims with their insurer. Your insurer will charge you more because of this, and your state might require you to file an SR-22 certificate.
What Are Some Car Insurance Discounts for a Navigator?
If you get more than one policy with the same company, whether that’s for two cars or a car and a homeowners policy, the insurer will likely give you a multi-policy discount. If you don’t get any tickets and avoid accidents, you may qualify for a safe driver discount. There are many more of these discounts. Just ask your insurer if they have any that are available to you. Here are some more examples:
- If your car has features that protect it from getting stolen, you’ll get an anti-theft discount.
- Since your credit score affects your insurance rates, you can get a discount or a lower rate for having a high credit score.
- If you’re in school and get good grades, you might save money with a student discount.
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What Are Some of the Characteristics of the Lincoln Navigator?
The Lincoln Navigator was first produced in 1998. This top-of-the-line, full-size luxury SUV rivals others in its class by being updated with the latest features every year. The 2024 model comes with hands-free driving, massaging seats, and a 440-horsepower, twin-turbocharged V6 engine.
Find the Best Car Insurance Rates Online for the Lincoln Navigator Today
Freeway Insurance is ready to help you find the cheapest car insurance for your Lincoln Navigator to cover you and your family in case of an accident. Call one of our expert agents at 800-777-5620, get a fast and free quote for car insurance online, or stop by one of our locations for assistance.