Paying for expensive Lincoln Navigator insurance in Philadelphia can take a big chunk out of your bank account and make it impossible to make ends meet.
Surprisingly, a recent survey revealed that the vast majority of consumers kept buying from the same company for well over three years, and practically 40% of insurance customers have never compared quotes from other companies. Most drivers in America could save themselves approximately 47% a year just by shopping around, but they just don't understand the big savings they would realize if they moved their coverage to a different company.
Because you have many insurance providers from which to choose, it's nearly impossible to find a lower cost company.
It's a good idea to shop coverage around periodically because insurance rates change frequently. Even if you got the lowest rate on Lincoln Navigator insurance in Philadelphia a few years ago you may be paying too much now. Ignore everything you know about insurance because you're about to find out how to use the internet to lower your rates without sacrificing coverage.
Compare Philadelphia Lincoln Navigator insurance rate quotes online
Keep in mind that making a lot of price comparisons increases your odds of finding the best rates. Not every company provides Philadelphia Navigator insurance quotes online, so it's recommended that you also compare price quotes from them, too.
The providers in the list below provide comparison quotes in Pennsylvania. If the list has multiple companies, we suggest you visit two to three different companies in order to find the lowest rates.
Insurance coverage analysis
The premium information displayed next covers a range of rate quotes for Lincoln Navigator models. Having a better understanding of how auto insurance premiums are calculated can help guide drivers when making informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Navigator L 2WD||$242||$450||$444||$26||$134||$1,296||$108|
|Navigator L 4WD||$242||$450||$444||$26||$134||$1,296||$108|
|Get Your Own Customized Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Information does not factor in specific zip code location which can lower or raise insurance rates significantly.
Car insurance rates by gender and age
The illustration below illustrates the difference between Lincoln Navigator insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are taken into consideration.
Auto insurance is not optional but you don't have to overpay
Even though it can be expensive, paying for auto insurance serves several important purposes.
First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your Lincoln Navigator with a loan, it's guaranteed your bank will require you to have full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may insure your Lincoln for a lot more money and require you to fork over for it.
Third, insurance protects both your assets and your Lincoln Navigator. Insurance will pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your auto insurance policy will pay to have it repaired.
The benefits of insuring your Navigator more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver overpays as much as $810 a year so it's very important to do a rate comparison at every renewal to ensure rates are inline.
Companies offer money-saving discounts on Lincoln Navigator insurance in Philadelphia
Some insurance providers don't always publicize every discount available very clearly, so the list below details both well-publicized and the harder-to-find savings tricks you should be using when you buy Philadelphia auto insurance online.
- Claim Free - Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
- Multi-policy Discount - If you can combine your homeowners and auto policy and place coverage with the same company you may save up to 20% off your total Navigator insurance premium.
- Auto/Life Discount - Larger insurance companies have a discount if you purchase a life insurance policy as well.
- One Accident Forgiven - Not necessarily a discount, but a few companies such as Allstate and GEICO will turn a blind eye to one accident without raising rates if you are claim-free for a set time period.
- Theft Deterrent Discount - Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and will save you 10% or more on Navigator insurance in Philadelphia.
Discounts save money, but please remember that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that it's possible to get free car insurance, companies don't profit that way.
The information below visualizes the comparison of Lincoln Navigator insurance costs with and without discounts. The information is based on a male driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, multi-policy, and homeowner discounts applied.
Popular car insurance companies and some of the premium reductions they offer are shown below.
- American Family may include discounts for Steer into Savings, mySafetyValet, air bags, good driver, accident-free, early bird, and bundled insurance.
- Nationwide may have discounts that include good student, business or organization, Farm Bureau membership, accident-free, and easy pay.
- MetLife has savings for accident-free, defensive driver, claim-free, good student, and multi-policy.
- 21st Century has discounts for 55 and older, driver training, theft prevention, teen driver, early bird, and student driver.
- Farmers Insurance offers discounts including switch companies, pay in full, business and professional, teen driver, multi-car, and youthful driver.
- Allstate policyholders can earn discounts including anti-lock brakes, auto/life discount, EZ pay plan discount, 55 and retired, teenSMART discount, new car, and premier plus.
When getting free Philadelphia auto insurance quotes, it's a good idea to each insurance company which discounts can lower your rates. A few discounts might not be offered in Philadelphia. To see providers who offer cheap Lincoln Navigator insurance quotes in Pennsylvania, click here to view.
When to talk to an insurance agent
Some consumers still like to go talk to an agent. One of the best bonuses of comparing rate quotes online is that you can find cheaper auto insurance rates and also buy local. Buying from local agencies is especially important in Philadelphia.
Once you complete this simple form, your insurance coverage information is transmitted to local insurance agents who will gladly provide quotes for your car insurance coverage. It's much easier because you don't need to visit any agencies as quotes are delivered to your email. Get lower rates and work with a local agent. If for some reason you want to get a rate quote from a particular provider, just navigate to their website and complete a quote there.
Listed below is a short list of car insurance companies in Philadelphia willing to provide comparison quotes for Lincoln Navigator insurance in Philadelphia.
Choosing the best provider requires more thought than just a cheap price. These are some valid questions you should ask.
- What discounts might you be missing?
- Do the companies they represent have a solid financial rating?
- Is the agent CPCU or CIC certified?
- Are they involved in claim handling?
- What insurance companies do they recommend if they are an independent agent?
- How long has their agency been open in Philadelphia?
- If your car is totaled, how to they determine the replacement cost?
Car insurance coverage considerations
Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Below you'll find typical coverage types offered by car insurance companies.
Collision insurance covers damage to your Navigator resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things like sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible on your Navigator to get cheaper collision coverage.
Uninsured and underinsured coverage
This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. It can pay for injuries sustained by your vehicle's occupants and damage to your Lincoln Navigator.
Since many Pennsylvania drivers only carry the minimum required liability limits (15/30/5 in Pennsylvania), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are set the same as your liability limits.
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things like fire damage, a broken windshield and falling objects. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.
Coverage for medical payments
Med pay and PIP coverage reimburse you for immediate expenses for things like X-ray expenses, pain medications, EMT expenses and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Liability insurance will cover damage that occurs to other's property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 15/30/5 which means a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage protects against claims like medical expenses, repair bills for other people's vehicles, repair costs for stationary objects, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but buy as much as you can afford. Pennsylvania state law requires minimum liability limits of 15/30/5 but drivers should carry more coverage.
The next chart demonstrates why the minimum limit may not provide adequate coverage.
Cheaper auto insurance premiums are out there
As you quote Philadelphia auto insurance, it's very important that you do not skimp on coverage in order to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits only to discover later that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
In this article, we presented a lot of techniques to shop for Lincoln Navigator insurance online. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. Drivers may even discover the best rates are with a company that doesn't do a lot of advertising. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.
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