Best Lincoln Navigator Insurance in Virginia Beach

It’s well known that car insurance companies don’t want their policyholders to compare prices. Consumers who shop around will probably move their business because there is a high probability of finding a lower-priced company. A recent survey found that drivers who routinely shopped around saved $3,500 over four years as compared to drivers who never compared other company’s rates.

If finding the cheapest price on Lincoln Navigator insurance is your objective, then having some insight into how to get price quotes and compare car insurance can help you be more efficient.

Insurance rates Lincoln Navigator in Virginia BeachThe recommended way to find affordable quotes for Lincoln Navigator insurance in Virginia Beach is to regularly compare price quotes from insurance carriers that insure vehicles in Virginia. Price quotes can be compared by completing these steps.

  1. Try to learn a little about policy coverages and the measures you can take to drop your rates. Many factors that drive up the price such as careless driving and a not-so-good credit history can be amended by being financially responsible and driving safely.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes for many different companies.
  3. Compare the new rate quotes to your existing coverage and determine if cheaper Navigator coverage is available. If you find a lower rate and switch companies, make sure there is no lapse in coverage.

The most important part of this process is that you’ll want to make sure you compare the same level of coverage on each quote request and and to get prices from as many companies as feasibly possible. Doing this guarantees a fair rate comparison and the best price quote selection.

The are a couple different ways to get quotes from all the different companies. One of the best ways to compare Lincoln Navigator insurance prices is to perform an online rate comparison. When comparing insurance rates, know that comparing more prices helps improve the odds of finding better pricing. Some companies don’t provide Virginia Beach Navigator insurance quotes online, so it’s necessary to compare price estimates from the smaller companies as well.

The companies in the list below provide price quotes in Virginia. In order to find the best cheap auto insurance in Virginia, we suggest you get rates from several of them to find the cheapest auto insurance rates.

Companies offer money-saving discounts on Lincoln Navigator insurance in Virginia Beach

Companies that sell car insurance don’t list every possible discount in an easy-to-find place, so the following list contains both the well known and also the more inconspicuous ways to save on insurance.Cheaper insurance with discounts

Please keep in mind that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. But any discount will help lower your policy premiums.

The diagram below shows the comparison of Lincoln Navigator insurance premiums with and without discounts applied to the premium. The rates are based on a male driver, no accidents or driving violations, Virginia 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 marriage, safe-driver, multi-car, claim-free, multi-policy, and homeowner discounts applied.

A few companies that may have most of these discounts may include but are not limited to:

When getting a coverage quote, ask all the companies which credits you are entitled to. A few discounts may not be offered in every state. If you would like to choose from a list of insurance companies with the best Lincoln Navigator insurance discounts in Virginia Beach, click here to view.

Rates and statistics

The coverage information below outlines a range of coverage costs for Lincoln Navigator models. Having knowledge of how auto insurance policy rates are established can be valuable when making decisions when choosing a new policy provider.

Lincoln Navigator Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $174 $360 $270 $16 $80 $900 $75
Navigator 4WD $174 $360 $270 $16 $80 $900 $75
Navigator L 2WD $192 $360 $270 $16 $80 $918 $77
Navigator L 4WD $192 $360 $270 $16 $80 $918 $77
Get Your Own Custom Quote Go

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific Virginia Beach garaging location which can modify rates considerably.

Does full coverage make sense?

The example below illustrates the comparison of Lincoln Navigator insurance costs when comparing full coverage to liability only. The information is based on a clean driving record, no claims, $500 deductibles, marital status is single, and no policy discounts are applied.

When to drop comprehensive and collision

There is no exact formula that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Lincoln Navigator settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after the deductible is paid. If you are currently paying more than $400 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few situations where buying only liability insurance is not a good idea. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

The Lincoln Navigator Insurance Premium Equation

Many factors are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like your driving record, although some other factors are more transparent such as your marital status and annual miles driven.