How long has it been since the last time you looked for low-cost Lincoln Navigator insurance in Seattle? When shopping for cheaper insurance, do you get overwhelmed by the number of car insurance companies in Seattle? Many other drivers are too. There are so many choices that it can really be a ton of work to compare rates on Lincoln Navigator insurance. Seattle is a great place to live, but inflated car insurance rates can make it hard for many drivers to meet other financial obligations.
Sad but true, a large majority of drivers kept their policy with the same company for at least the last four years, and 38% of customers have never compared quotes from other companies. Most drivers in Washington could save an average of up to 40% each year just by getting comparison quotes, but most tend to underestimate how much savings they would realize if they switched to a cheaper policy.
Finding and comparing the most affordable insurance coverage in Seattle can be fairly easy. Nearly every person who is looking for a better price on insurance will most likely find a lower-cost company. But Washington car owners do need to understand the way companies set your policy premium because rates fluctuate considerably.
Best companies for Lincoln Navigator insurance
The providers in the list below have been selected to offer free rate quotes in Seattle, WA. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $180 | $348 | $278 | $16 | $82 | $904 | $75 |
| Navigator 4WD | $274 | $640 | $334 | $20 | $100 | $1,368 | $114 |
| Navigator L 2WD | $188 | $370 | $384 | $22 | $114 | $1,078 | $90 |
| Navigator L 4WD | $256 | $420 | $294 | $18 | $88 | $1,076 | $90 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in vehicle garaging location which can increase or decrease premiums substantially.
Impact of careless driving on car insurance rates
The illustration below illustrates how traffic citations and fender-benders can affect Lincoln Navigator annual premium costs for each age group. The rates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Comparison of policy deductibles
The chart below shows how different deductible levels and can increase or decrease Lincoln Navigator insurance rates for each age group. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Comparison of full coverage and liability-only policies
The chart below illustrates the comparison of Lincoln Navigator insurance prices with full coverage compared to only the Washington minimum liability coverage. The rate quotes are based on no claims or violations, $250 deductibles, single female driver, and no additional discounts are factored in.
When to switch to liability coverage only
There is no clear-cut rule to eliminate full coverage on your policy, but there is a guideline you can consider. 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 you might want to consider buying only liability coverage.
For example, let’s say your Lincoln Navigator book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after paying your policy deductible. If you are currently paying more than $600 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are a few cases where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Do you qualify for discounts?
Car insurance companies don’t always advertise every policy discount in a way that’s easy to find, so the next list breaks down some of the more common as well as some of the hidden discounts that you may qualify for.
- Government Employees – Having worked for a branch of the government could provide a small rate reduction with select insurance companies.
- Multi-policy Discount – When you combine your auto and homeowners insurance with one insurance company you may earn 10% to 20% off each policy.
- Paper-free Discount – A handful of insurance companies will give you a small discount for buying your policy on their website.
- Seattle Homeowners Discount – Owning a home in Seattle can get you a discount since owning and maintaining a home requires personal responsibility.
- Resident Student – Youth drivers living away from Seattle attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Save with More Vehicles Insured – Insuring all your vehicles on one policy qualifies for this discount.
- Discounts for Good Drivers – Accident-free drivers can pay as much as 50% less than their less cautious counterparts.
- Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
- No Accidents – Drivers with accident-free driving histories have much lower rates as opposed to drivers who are more careless.
One last thing about discounts, some of the credits will not apply to the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, you’re out of luck.
A few of the larger companies and some of their more popular discounts are included below.
- Farmers Insurance discounts include homeowner, switch companies, mature driver, good student, and business and professional.
- Esurance offers premium reductions for safety device, DriveSense, anti-theft, multi-policy, emergency road assistance, renters, and claim free.
- State Farm policyholders can earn discounts including safe vehicle, good student, accident-free, Drive Safe & Save, and multiple autos.
- GEICO may include discounts for emergency military deployment, multi-policy, anti-lock brakes, driver training, air bags, and membership and employees.
- Allstate may have discounts that include early signing, utility vehicle, resident student, auto/life discount, and farm vehicle.
If you are trying to find low cost Seattle car insurance quotes, ask each company the best way to save money. All car insurance discounts may not be available in every state. If you would like to view insurance companies that have a full spectrum of discounts in Seattle, click this link.
How You Can Control Lincoln Navigator Insurance Costs
An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. When consumers understand what impacts premium levels, this allows you to make good choices that will entitle you to better auto insurance rates. Multiple criteria are used in the calculation when you get your auto insurance bill. Some are obvious such as your driving history, but some are more obscure such as your marital status or your financial responsibility.
The factors shown below are some of the major factors utilized by car insurance companies to help set prices.
Your car’s features help determine auto insurance rates – Choosing a vehicle with advanced anti-theft systems can help lower your premiums. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.
Do you need those incidental coverages? – Insurance policies have a lot of extra bells and whistles that sound like a good idea at the time if you aren’t diligent. Coverage for things like rental car coverage, towing coverage, and additional equipment coverage are examples of these. You may think they are a good idea initially, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
Use one insurance company and save – Many insurers apply better rates to customers that buy multiple policies such as combining an auto and homeowners policy. Even though this discount sounds good, consumers should still check prices from other companies to confirm you are receiving the best rates possible. You may still find a better deal by buying insurance from more than one company.
Auto insurance policy lapses raise auto insurance rates – Driving your car without having proper coverage is a misdemeanor and any future policy may cost more because you let your insurance expire. And not only will your rates increase, being ticketed for driving with no insurance will get you fines and jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with the Washington DMV.
Prices for males may be higher – Statistics demonstrate females are less aggressive when driving. However, don’t assume that men are worse drivers. Both genders get in fender benders in similar numbers, but the male of the species tend to have more serious accidents. Men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
When should you file a claims? – Auto insurance companies in Washington give the lowest premiums to drivers who only file infrequent claims. If you tend to file frequent claims, you can look forward to higher rates. Auto insurance is intended for major claims that would cause financial hardship.
Auto insurance rates and your vocation – Do you have a high-stress occupation? Careers like fire fighters, airline pilots, and accountants generally have higher premiums than the average policyholder because of job stress and lengthy work days. Other jobs such as farmers, historians and homemakers get better rates.
Urban areas may pay more – Choosing to live in less populated areas of the country may provide you with better prices when trying to find low car insurance rates. Fewer drivers and short commutes means reduced accidents and a lower car theft rate. City drivers regularly have much more traffic and more time behind the wheel. More time commuting means more chance of being in an accident.
Lincoln Navigator insurance loss statistics – Insurers include the past claim trends for vehicles to help calculate a profitable premium price. Models that have increased claim numbers or amounts will cost more for specific coverages.
The table below illustrates the insurance loss data for Lincoln Navigator vehicles. For each policy coverage, the claim amount for all vehicles, regardless of make or model, is equal to 100. Values that are below 100 suggest losses that are better than average, while values that are 100 or greater point to more losses or larger claims.
Auto Insurance Loss Data for Lincoln Navigator Models
| Specific Lincoln 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Which policy gives me the best coverage?
When it comes to adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different.
For example, these questions can aid in determining whether you might need an agent’s assistance.
- Will my Lincoln Navigator be repaired with OEM or aftermarket parts?
- Why do I only qualify for high-risk insurance?
- Do I have coverage when pulling a U-Haul trailer?
- Can I make deliveries for my home business?
- Which is better, split liability limits or combined limits?
- Should I get collision insurance on every vehicle?
- How can I get high-risk coverage after a DUI?
- What if an uninsured driver hits me?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.
Auto insurance agents can help
A lot of people would prefer to go talk to an agent and that can be a smart move One of the great benefits of getting online price quotes is the fact that you can find cheaper prices but still work with a licensed agent. Buying from and supporting local insurance agents is especially important in Seattle.
Once you complete this form (opens in new window), your insurance coverage information is transmitted to local insurance agents who can give free rate quotes for your insurance coverage. There is no need to contact any insurance agencies as quotes are delivered to the email address you provide. Get lower rates without a big time investment. In the event you want to get a price quote from a specific insurance provider, you can always visit that company’s website and give them your coverage information.
When researching a local insurance agency, there are a couple of different types of agents from which to choose. Agents in Seattle can be classified as either independent or exclusive.
Independent Insurance Agents
Independent agencies are not employed by one company so they have the ability to put coverage amongst many companies and get the cheapest rates. If you are not satisfied with one company, they simply switch companies in-house and that require little work on your part. If you are comparing insurance prices, you will definitely want to get several quotes from independent agents to have the best price comparison. Most also have access to smaller companies that may have much lower rates than larger companies.
Shown below is a short list of independent agencies in Seattle that can possibly get you price quotes.
- Spangler Insurance
431 15th Ave E – Seattle, WA 98112 – (206) 329-7447 – View Map - Roy Potter Insurance
412 Queen Anne Ave N – Seattle, WA 98109 – (206) 284-0470 – View Map - Michael Wong Insurance
1200 Westlake Ave N #607 – Seattle, WA 98109 – (206) 284-0171 – View Map
Exclusive Insurance Agencies
Agents of this type generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents are very knowledgeable on sales techniques which helps them sell on service rather than price. Drivers often buy from the same agent for years partially due to the brand legacy and strong financial ratings.
Below are Seattle exclusive agencies willing to provide price quotes.
- Jeff Kalvelage – State Farm Insurance Agent
315 N 36th St #201 – Seattle, WA 98103 – (206) 588-0559 – View Map - Allstate Insurance: Barry V. Hasson
7721 Aurora Ave N – Seattle, WA 98103 – (206) 782-5191 – View Map - Forrest Dawson – State Farm Insurance Agent
3509 NE 45th St – Seattle, WA 98105 – (206) 526-2747 – View Map
Choosing an auto insurance agent requires you to look at more than just a cheap price. Any good agent in Seattle should know the answers to these questions.
- How long have they been in business?
- What company holds the largest book of business for them?
- Is there a local claims center in Seattle?
- Do they offer claims assistance after hours?
- Is there any savings for paying the full premium?
- Do they see any coverage gaps in your plan?
- Are they in the agency full-time?
Shop around and save
When getting Seattle car insurance quotes online, do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.
Drivers change insurance companies for a number of reasons such as high prices, questionable increases in premium, policy cancellation and even not issuing a premium refund. No matter why you want to switch, finding a new company is not as difficult as it may seem.
We just presented many tips how you can shop for Lincoln Navigator insurance online. It’s most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising.
Additional insurance information is available on the following sites:
- Learn About Car Insurance (GEICO)
- Who Has the Cheapest Seattle Auto Insurance Rates for Drivers with a DUI? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers with Bad Credit in Seattle? (FAQ)
- What Auto Insurance is Cheapest for Uber Drivers in Seattle? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)