Insurance quote for Lincoln Navigator in Fort WayneGetting the lowest price Fort Wayne Lincoln Navigator insurance quotes may seem to be overwhelming for consumers not familiar with comparing and buying auto insurance on the web. Because there are so many companies, how are we expected to be able to compare every company to locate the lowest rates?

Amazingly, the vast majority of auto insurance customers in Indiana have bought auto insurance from the same company for well over three years, and just short of a majority have never compared rates from other carriers. The average driver in America can save hundreds of dollars each year by just shopping around, but they just feel it's too hard to compare rates online.

When comparison shopping, there are several ways of comparing rates from many different Indiana insurance companies. The quickest method to compare rates is to get quotes online. It's important to know that comparing all the rates in your area helps you find the best offered rates.

The companies shown below offer price quotes in Indiana. If the list has multiple companies, we recommend you visit two to three different companies in order to get a fair rate comparison.

Lincoln Navigator Insurance Costs in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $264 $486 $286 $16 $86 $1,138 $95
Navigator 4WD $192 $312 $368 $22 $110 $1,004 $84
Navigator L 2WD $238 $392 $286 $16 $86 $1,018 $85
Navigator L 4WD $234 $422 $270 $16 $80 $1,022 $85
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in specific location which can revise rates considerably.

How accidents and tickets impact rates in Fort Wayne

The information below shows how speeding tickets and at-fault claims can influence Lincoln Navigator insurance rates for different age groups. The price estimates are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Does it make sense to buy full coverage?

The chart below shows the comparison of Lincoln Navigator insurance prices with full coverage compared to only the Indiana minimum liability coverage. Data assumes no accidents or driving violations, $100 deductibles, married male driver, and no discounts are factored in.

Deciding between full coverage and liability only

There isn't a steadfast formula for excluding full coverage on your policy, but there is a general convention. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's assume your Lincoln Navigator claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying your deductible. If you are paying more than $200 a year for full coverage, then it might be time to consider dropping full coverage.

There are some cases where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Car insurance deductibles

One of the more difficult decisions when buying car insurance is which deductible level should you buy. The data tables below can help show the rate difference when you buy lower versus higher coverage deductibles. The first rate table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Lincoln Navigator insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $304 $592 $280 $16 $84 $1,301 $108
Navigator 4WD $304 $592 $280 $16 $84 $1,301 $108
Navigator L 2WD $334 $592 $280 $16 $84 $1,331 $111
Navigator L 4WD $334 $592 $280 $16 $84 $1,331 $111
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Lincoln Navigator insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $222 $400 $280 $16 $84 $1,002 $84
Navigator 4WD $222 $400 $280 $16 $84 $1,002 $84
Navigator L 2WD $244 $400 $280 $16 $84 $1,024 $85
Navigator L 4WD $244 $400 $280 $16 $84 $1,024 $85
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in vehicle garaging location which can lower or raise premiums noticeably.

Based on this data, using a $100 deductible will cost you roughly $25 more each month or $300 annually than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go more than 16 months between claims, you would most likely save money if you choose the higher deductible. The illustration below shows a better example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $110
Average monthly premium for $500 deductibles (subtract): - $85
Monthly savings from raising deductible: $25
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important note is that higher deductibles results in a higher out-of-pocket expense when you do file a claim. That will require some savings in the event you have to pay more to get your vehicle repaired.

It may be expensive, but it's not optional

Despite the high insurance cost for a Lincoln Navigator in Fort Wayne, paying for auto insurance may be mandatory for several reasons.

First, the majority of states have mandatory insurance requirements which means state laws require specific minimum amounts of liability protection in order to drive the car legally. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your Navigator with a loan, most lenders will force you to buy full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is cancelled, the bank may buy a policy for your Lincoln at an extremely high rate and force you to pay the higher price.

Third, auto insurance protects both your vehicle and your personal assets. It will also provide coverage for all forms of medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of insuring your Navigator are without a doubt worth the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver overpays more than $810 a year so compare rates at every renewal to make sure the price is not too high.

Find Lincoln Navigator Insurance Cheaper

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that go into determining the price you pay for auto insurance. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that can earn you lower auto insurance prices.

Listed below are some of the most rate-impacting factors that factor into your premiums.

Lower stress equals lower premiums - Jobs such as real estate brokers, executives and medical professionals generally pay higher premium rates because of intense work requirements and incredibly demanding work hours. On the other hand, occupations like professors, engineers and the unemployed generally pay rates lower than average.

High deductibles equal low rates - Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if the claim is covered. Insurance for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some instances where coverage would apply are colliding with a stationary object, collision with a deer, and having a roll-over accident. The more expense the insured has to pay upfront, the lower your rates will be.

Safer vehicles means cheaper insurance - Vehicles that have high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and fewer serious injuries means lower claim amounts passed on to you as lower rates.

Your address can push rates up or down - Having an address in areas with lower population can save you money if you are looking for the lowest rates. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates. Drivers who live in large Indiana cities have more road rage incidents and much longer commute distances. Longer commute distances statistically corresponds to a higher accident and claim rate.

Prevent theft and save - Buying a car with anti-theft technology or alarm system can help lower your rates. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.

Insurance losses for a Lincoln Navigator - Auto insurance companies use past loss statistics for each vehicle to help determine the price you pay. Models that statistically have a trend towards higher claim severity or frequency will cost more for coverage.

The next table shows the collected loss data for Lincoln Navigator vehicles. For each policy coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is represented as 100. Values under 100 imply a favorable loss record, while values that are above 100 indicate more frequent claims or tendancy to have higher losses.

Lincoln Navigator Insurance Loss Statistics

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Lincoln Navigator 4dr 2WD 109 114 61
Lincoln Navigator 4dr 4WD 93 89 82
Lincoln Navigator L 4dr 2WD 129 69
Lincoln Navigator L 4dr 4WD 101 116 119

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Discounts can help lower premiums on Lincoln Navigator insurance in Fort Wayne

Car insurance is neither fun to buy or cheap, but there may be some discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be manually applied prior to receiving the credit.Discount car insurance

Don't be surprised that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, companies don't profit that way.

A few popular companies and a summarized list of policyholder discounts are included below.

When quoting, ask every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies everywhere. To choose providers with the best discounts in Fort Wayne, follow this link.

Local neighborhood agents and insurance

Some consumers would rather sit down and talk to an agent. The biggest benefit of comparing insurance online is the fact that drivers can get cheap insurance rates and also buy local.

Insurance agents in Fort WayneTo find an agent, once you fill out this form (opens in new window), your insurance data is emailed to companies in Fort Wayne who will give competitive quotes for your insurance coverage. You won't even need to find an agent as quotes are delivered to you directly. You can most likely find cheaper rates without a big time investment. If for some reason you want to get a rate quote from a specific insurance company, don't hesitate to jump over to their website and fill out the quote form the provide.

Choosing an provider needs to be determined by more than just a cheap price. These are valid questions to ask:

Independent or Exclusive: It's your choice

If you want to use a reliable insurance agent, you must know there are a couple types of insurance agents from which to choose. Agencies in Fort Wayne can be classified as either exclusive or independent.

Exclusive Insurance Agencies

These type of agents can only provide one company's prices like Farmers Insurance and State Farm. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive insurance agents are usually well trained in insurance sales which helps them sell on service rather than price. A lot of people buy from exclusive agents partially due to the prominent brand name instead of buying on price only.

Shown below is a short list of exclusive insurance agencies in Fort Wayne who may provide you with comparison quotes.

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Independent Insurance Agents

Agents that elect to be independent are not employed by any specific company so they can write business amongst many companies and help determine which has the cheapest rates. If they find a lower price, the business is moved internally without you having to go to a different agency. When comparing insurance rates, you will definitely want to include rate quotes from multiple independent agents for the best price selection. They also have the ability to place coverage with companies that do not advertise much which can be an advantage.

Shown below is a short list of independent insurance agencies in Fort Wayne that are able to give price quote information.

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If you get satisfactory answers for all questions you ask as well as a price you're happy with, most likely you have located an insurance agency that can be trusted to adequately provide insurance. Keep in mind you are able to terminate your policy any time you want so don't assume you are locked into any specific company indefinitely.

Don't give up on affordable premiums

Affordable Lincoln Navigator insurance in Fort Wayne can be purchased on the web as well as from insurance agents, and you need to price shop both to have the best selection. Some insurance providers may not have the ability to get a quote online and many times these small, regional companies sell through independent agents.

We've covered some good ideas how you can lower your Lincoln Navigator insurance prices in Fort Wayne. The key thing to remember is the more quotes you get, the better likelihood of getting low cost Fort Wayne car insurance quotes. Consumers could even find that the lowest prices are with some of the lesser-known companies.

Consumers switch companies for many reasons like high rates after DUI convictions, delays in responding to claim requests, high prices or even poor customer service. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

More detailed auto insurance information is available by following these links: