Cheap Rate Quotes for Lincoln Navigator Insurance in Raleigh

We don’t have to point out that fact that auto insurance companies want to keep you from shopping around. Insureds who shop around for the cheapest rate are inclined to buy a new policy because of the good chance of finding a policy with better rates. A recent survey found that people who compared rates regularly saved $850 each year as compared to drivers who never shopped around for lower prices.

If finding the cheapest rates on car insurance is why you’re here, then having some knowledge of how to shop for insurance premiums can save money and time.

Insurance quote for Lincoln Navigator in RaleighThe recommended way to get the cheapest Lincoln Navigator insurance in Raleigh is to start doing an annual price comparison from companies in North Carolina. This can be done by following these guidelines.

An important part of this process is to try to use the same level of coverage on every price quote and and to get price quotes from as many different insurance providers as possible. Doing this provides a fair rate comparison and a complete rate analysis.

How to buy Raleigh Lincoln Navigator insurance online

Getting low cost Lincoln Navigator insurance pricing is an easy way to save money. Consumers just need to invest a few minutes getting comparison quotes to find out which insurance company has inexpensive Raleigh car insurance quotes.

It’s so simple to compare insurance quotes online replaces the need to spend time driving to all the different Raleigh insurance agencies. The ability to quote Lincoln Navigator insurance online can eliminate the need for a local agent unless you have a complicated situation and need the guidance that only a licensed agent can provide. You can, however, comparison shop your insurance online and still use a local agent.

The companies shown below have been selected to offer price quotes in Raleigh, NC. If you want to find cheap car insurance in North Carolina, we recommend you compare several of them in order to find the most affordable rates.

Lincoln Navigator insurance analysis

The rate table displayed below highlights estimates of insurance prices for Lincoln Navigator models. Having a better idea how rate quotes are established can assist in making informed decisions when comparing rates.

Lincoln Navigator Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $242 $440 $250 $14 $74 $1,020 $85
Navigator 4WD $242 $440 $250 $14 $74 $1,020 $85
Navigator L 2WD $266 $440 $250 $14 $74 $1,044 $87
Navigator L 4WD $266 $440 $250 $14 $74 $1,044 $87
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Estimates do not factor in vehicle location which can impact rates noticeably.

Car insurance prices based on gender

The chart below compares Lincoln Navigator car insurance rates for male and female drivers. The prices are based on no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The illustration below shows the difference between Lincoln Navigator premium costs when comparing full coverage to liability only. The rates are based on no violations or accidents, $1,000 deductibles, single status, and no discounts are factored in.

Deciding between full coverage and liability only

There is no definitive rule to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Lincoln Navigator replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after you pay the deductible. If you are currently paying more than $800 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where only buying liability is not a good idea. If you still have a loan on your vehicle, you are required 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 not eliminate full coverage.

Lincoln Navigator Insurance Rate Factors

Lots of things are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving history, but some are not as apparent such as whether you are married or your financial responsibility. Smart consumers have a good feel for some of the things that come into play when calculating your auto insurance rates. When you understand what influences your rates, this enables you to make decisions that may result in big savings.

Why do I need car insurance?

Despite the potentially high cost of Lincoln Navigator insurance, paying for auto insurance may not be optional for several reasons.

First, most states have minimum liability requirements which means you are required to carry a specific minimum amount of liability in order to drive the car. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Lincoln Navigator, almost every bank will require you to buy insurance to guarantee loan repayment. If you let the policy lapse, the bank may buy a policy for your Lincoln at a much higher rate and make you pay the higher price.

Third, insurance protects not only your Lincoln Navigator but also your assets. It will also provide coverage for many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you have damage to your Lincoln as the result of the weather or an accident, your auto insurance policy will pay to have it repaired.

The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. But the average driver in North Carolina is overpaying more than $700 annually so smart consumers compare quotes at least once a year to make sure the price is not too high.