Would you like to stop overpaying and find more affordable Lincoln Navigator insurance in Lexington? Have you fallen victim to an under-performing, overpriced insurance policy? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.
Everyone knows that car insurance companies don’t want their customers to go rate shopping. People who get comparison quotes once a year are inclined to buy a different policy because of the good chance of finding a policy with better rates. A recent survey discovered that drivers who regularly compared price quotes saved about $3,400 over four years compared to people who never compared other company’s rates.
If finding budget-friendly insurance is the reason for your visit, then having an understanding of how to get free comparison quotes and analyze insurance rates can make shopping around easier.
Steps to saving on Lincoln Navigator insurance in Lexington
The most effective way to find affordable quotes for Lincoln Navigator insurance in Lexington is to start comparing rates regularly from different companies in Kentucky. You can compare prices by following these steps.
- It will benefit you to learn about how auto insurance works and the factors you can control to lower rates. Many things that drive up the price like traffic violations, accidents, and an imperfect credit rating can be rectified by making lifestyle changes or driving safer.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can quote rates from multiple sources. Compare rates
- Compare the new rate quotes to your current policy premium to determine if you can save on Navigator insurance in Lexington. If you find better rates and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
An important part of this process is that you’ll want to compare the same liability limits and deductibles on every quote request and and to compare as many auto insurance providers as possible. This helps ensure an accurate price comparison and a complete price analysis.
Numerous car insurance companies battle to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest rate possible on Lincoln Navigator insurance in Lexington.
You need to do rate comparisons quite often since prices are constantly changing. Even if you think you had the best rates on Lincoln Navigator insurance in Lexington a couple years back other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to learn the easiest way to find great coverage at a great price.
Lower-cost Lexington car insurance quotes with discounts
Some insurance providers don’t necessarily list all their discounts very clearly, so the next list breaks down some of the more common and the more hidden credits that may apply to you.
- Good Grades Discount – Excelling in school can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
- College Student – Kids who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
- Save over 55 – Mature drivers may be able to get a discount up to 10%.
- Club Memberships – Being a member of a qualifying organization could trigger savings on your next renewal.
- Theft Deterrent – Cars optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Early Switch Discount – Select car insurance companies give a discount for buying a new policy before your current expiration date. You can save around 10% with this discount.
- Pay Now and Pay Less – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
- Use Seat Belts – Forcing all vehicle occupants to buckle up could save 15% off PIP or medical payments premium.
- Accident Forgiveness – Not really a discount, but a handful of insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
You can save money using discounts, but most credits do not apply to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, that’s just not realistic.
The chart below illustrates the difference between Lincoln Navigator insurance premiums with and without discounts applied to the premium. The premiums are based on a male driver, no violations or accidents, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, safe-driver, multi-policy, and marriage discounts applied.
Auto insurance companies who may offer many of the previously listed discounts may include but are not limited to:
If you need low cost Lexington auto insurance quotes, ask each company how many discounts you can get. Some credits might not be offered in your area. For a list of insurance companies with the best discounts in Kentucky, follow this link.
The quickest method to compare insurance rates in your area is to know the trick most of the bigger providers will pay a fee to provide you with a free rate quote. The only thing you need to do is provide a small amount of information including how much you drive, how old drivers are, whether you are single or married, and types of safety features. The data is submitted instantly to multiple top-rated companies and you receive quotes instantly.
To compare rates for your car now, click here and complete the form.
The companies shown below can provide free quotes in Lexington, KY. If you wish to find cheap car insurance in Kentucky, we suggest you get prices from several of them in order to get a fair rate comparison.
Rates and statistics
The premium information displayed below outlines different insurance coverage prices for Lincoln Navigator models. Knowing how insurance rates are determined can assist in making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $198 | $386 | $306 | $18 | $92 | $1,000 | $83 |
| Navigator 4WD | $198 | $386 | $306 | $18 | $92 | $1,000 | $83 |
| Navigator L 2WD | $218 | $386 | $306 | $18 | $92 | $1,020 | $85 |
| Navigator L 4WD | $218 | $386 | $306 | $18 | $92 | $1,020 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can impact rates noticeably.
Policy deductible comparison
A question often asked by Lexington drivers is which deductible level should you buy. The following insurance rates may help you to understand the cost difference between high and low deductibles. The first rate table uses a $100 deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $354 | $688 | $326 | $20 | $98 | $1,511 | $126 |
| Navigator 4WD | $354 | $688 | $326 | $20 | $98 | $1,511 | $126 |
| Navigator L 2WD | $390 | $688 | $326 | $20 | $98 | $1,547 | $129 |
| Navigator L 4WD | $390 | $688 | $326 | $20 | $98 | $1,547 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $258 | $466 | $326 | $20 | $98 | $1,168 | $97 |
| Navigator 4WD | $258 | $466 | $326 | $20 | $98 | $1,168 | $97 |
| Navigator L 2WD | $284 | $466 | $326 | $20 | $98 | $1,194 | $100 |
| Navigator L 4WD | $284 | $466 | $326 | $20 | $98 | $1,194 | $100 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in vehicle garaging location which can alter auto insurance rates noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $29 more each month or $348 every year than quoting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 14 months between claims, you would probably save some money by going with a higher deductible.
Full coverage versus liability only rates
The information below illustrates the comparison of Lincoln Navigator insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no clear-cut rule of when to phase out full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Lincoln Navigator replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after you pay the deductible. If it’s costing you more than $500 a year for full coverage, then you may want to consider only buying liability coverage.
There are some situations where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Car insurance can be complex
When it comes to coverage for your personal vehicles, there really isn’t a one size fits all plan. Each situation is unique.
Here are some questions about coverages that could help you determine whether you would benefit from professional advice.
- Does my Lincoln Navigator need full coverage?
- What is medical payments coverage?
- Are my custom wheels covered?
- How much can I save by bundling my policies?
- What if I owe more than I can insure my car for?
- Am I better off with higher deductibles on my Lincoln Navigator?
- Does having multiple vehicles earn me a discount?
- Is my nanny covered when driving my vehicle?
- Can my babysitter drive my car?
- What are the financial responsibility laws in my state?
If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.
Auto insurance is available from local agents
Many people would prefer to buy from a local agent and that is recommended in a lot of cases The biggest benefit of comparing rates online is that you can find cheaper rates but also keep your business local.
To make it easy to find an agent, after completing this short form, your insurance coverage information is sent to local insurance agents that give free quotes for your auto insurance coverage. There is no reason to do any legwork because quoted prices will be sent to your email. It’s the lowest rates AND an agent nearby. In the event you want to get a rate quote from one company in particular, you can always visit that company’s website and give them your coverage information.
Deciding on an provider is decision based upon more than just a cheap price quote. The questions below may impact your decision as well.
- What are the financial ratings for the companies they represent?
- Does the agency have a current Errors and Omissions policy?
- Do they offer accident forgiveness?
- How many companies do they write for?
- Is there a 24/7 contact number?
Types of auto insurance agents
If you need to find a local insurance agency, there are two different agency structures and how they function. Agents in Lexington can either be exclusive or independent agents depending on their company appointments.
Exclusive Auto Insurance Agencies
Exclusive insurance agents can only provide pricing for a single company and examples are AAA, Allstate, and State Farm. These agents are not able to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents are highly trained on sales techniques and that enables them to sell even at higher rates.
Shown below is a list of exclusive insurance agencies in Lexington willing to provide comparison quotes.
Allstate Insurance: Joshua Williams
2240 Executive Dr Ste 103 – Lexington, KY 40505 – (859) 243-0162 – View Map
Tophan Kulkriwes – State Farm Insurance Agent
1010 Monarch St #250 – Lexington, KY 40513 – (859) 276-4422 – View Map
State Farm: Gina Hopper
115 S Locust Hill Dr #107 – Lexington, KY 40509 – (859) 268-6998 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent are not employed by any specific company and that is an advantage because they can write policies with any number of different companies depending on which coverage is best. If they find a cheaper price, they simply switch companies in-house and you don’t have to do anything. If you need cheaper auto insurance rates, it’s a good idea to get rate quotes from at least one independent agent to have the best price comparison.
Listed below is a short list of independent agents in Lexington willing to provide rate quotes.
Heritage Insurance Agency
3306 Clays Mill Rd #106 – Lexington, KY 40503 – (859) 219-1122 – View Map
Sullivan Insurance Agency
635 N Broadway – Lexington, KY 40508 – (859) 233-1637 – View Map
Keystone Sills Insurance Agency
210 Malabu Dr – Lexington, KY 40502 – (859) 276-1881 – View Map
Upon receiving satisfactory answers to any questions you have and an affordable coverage quote, you have narrowed it down to an insurance agency that meets the criteria to provide auto insurance coverage. Just understand that consumers can terminate coverage whenever you wish so don’t think that you are permanently stuck with a specific agent for the entire policy term.
More quotes mean more car insurance savings
Consumers switch companies for many reasons like policy cancellation, not issuing a premium refund, delays in paying claims or extreme rates for teen drivers. No matter why you want to switch, switching car insurance companies is pretty easy and you might even save some money in the process.
We just covered a lot of information how to reduce Lincoln Navigator insurance rates online in Lexington. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the most savings is with a small mutual company.
As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. Too many times, an insured dropped liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to buy enough coverage at a price you can afford, but do not skimp to save money.
How to buy low-cost Lincoln Navigator insurance in Lexington
Really, the only way to find lower priced car insurance rates is to start doing a yearly price comparison from companies who provide car insurance in Lexington. Price quotes can be compared by following these guidelines.
- Step 1: Get a basic knowledge of car insurance and the factors you can control to prevent expensive coverage. Many rating criteria that drive up the price such as multiple speeding tickets and a poor credit score can be controlled by making lifestyle changes or driving safer.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can give you price quotes for a wide range of companies.
- Step 3: Compare the price quotes to your existing coverage and see if there is a cheaper rate in Lexington. If you can save some money, make sure coverage does not lapse between policies.
The key aspect of shopping around is to use the same physical damage deductibles and liability limits on every quote and and to get prices from as many different insurance providers as possible. This guarantees a fair price comparison and maximum price selection.
More tips and info about car insurance is available in the articles below:
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has Affordable Lexington Auto Insurance for a Ford Escape? (FAQ)
- Who Has Cheap Auto Insurance Rates for a GMC Sierra in Lexington? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Red Light Cameras (State Farm)
- Uninsured Motorist Statistics (Insurance Information Institute)