Lincoln Navigator Insurance Rates in Cleveland

The best way to save money on Lincoln Navigator insurance is to compare prices regularly from providers who sell auto insurance in Cleveland.

1. Read and learn about how insurance companies determine prices and the measures you can control to prevent rate increases. Many things that cause high rates like inattentive driving and a low credit rating can be eliminated by making minor changes to your lifestyle.
2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Allstate, while independent agencies can quote prices from multiple sources.
3. Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.

The critical component of shopping around is to use similar coverage information on each quote request and and to compare all possible companies. Doing this guarantees a fair rate comparison and many rates to choose from.

We don’t have to tell you that auto insurance companies want to keep your business as long as possible. Consumers who get comparison quotes at least once a year are very likely to buy a new policy because there is a significant possibility of finding good coverage at a lower price. A recent survey discovered that people who compared prices regularly saved about $3,400 over four years compared to drivers who never compared other company’s rates.

If finding the best rates on Lincoln Navigator insurance is the reason you’re reading this, understanding how to choose a company and compare auto insurance can save time and make the process easier.

If you have a policy now or are just looking to switch companies, you will benefit by learning to get lower rates and still have adequate protection. These techniques will introduce you to how car insurance works and some money-saving tips. You just have to use the proper way to compare insurance rates from many different companies.

The quickest method to compare rate quotes for Lincoln Navigator insurance in Cleveland is to realize car insurance companies participate in online systems to provide you with a free rate quote. To get started, all you need to do is give them rating details such as if you went to college, an estimate of your credit level, whether or not you need a SR-22, and which vehicles you own. Those rating factors is instantly provided to multiple top-rated companies and you get price estimates quickly.

To check rates for your Lincoln Navigator now, click here and find out if you can get cheaper insurance in Cleveland.

The following companies offer free quotes in Cleveland, OH. If multiple companies are listed, it’s a good idea that you get rate quotes from several of them in order to get a fair rate comparison.

Lincoln Navigator insurance rates and statistics

The rate table displayed next covers detailed analysis of insurance coverage prices for Lincoln Navigator models. Learning as much as possible about how car insurance prices are formulated can benefit drivers when making informed decisions when comparing rates.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates considerably.

Deductible comparison

One of the most common auto insurance questions is the level to set your comp and collision deductibles. The premium rates below may help to illustrate the difference in cost between low and high insurance deductibles. The first set of rates uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices significantly.

Based on the figures above, using a $100 deductible costs about $20 more each month or $240 annually than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 20 months between claim filings, you would come out ahead if you decide on a higher deductible. Below is an example of how you can perform this determination yourself.

Rate comparison of male drivers versus female drivers

The chart below visualizes the comparison of Lincoln Navigator insurance costs for male and female drivers. The premiums are based on no violations or accidents, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are applied.

Should you buy full coverage?

The chart below shows the difference between Lincoln Navigator car insurance rates when comparing full coverage to state minimum liability only. The data is based on no violations or accidents, $500 deductibles, drivers are not married, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no set rule for eliminating physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s assume your Lincoln Navigator claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $2,000 after you pay the deductible. If you are paying more than $200 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where eliminating full coverage is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Affordable rates by taking advantage of these seven discounts

Some providers do not list every discount available very clearly, so the list below contains a few of the more well known in addition to some of the lesser obvious insurance savings. If you’re not getting every credit you deserve, you may be paying too high a price.

• New Car Discount – Adding a new car to your policy is cheaper because newer models keep occupants safer.
• Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
• Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discounted rate on car insurance if you buy a life policy as well.
• Lower Rates for Military – Being on active deployment in the military could qualify you for better prices.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Waiver for an Accident – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before raising your premiums if you have no claims for a specific time period.

Discounts lower rates, but most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.

The illustration below shows the difference between Lincoln Navigator annual premium costs with and without discounts applied to the premium. The data assumes a female driver, no claims, a clean driving record, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, multi-policy, safe-driver, and marriage discounts applied.

Large insurance companies and a partial list of their discounts are shown below.

• Mercury Insurance offers discounts for type of vehicle, good driver, anti-theft, multi-policy, multi-car, and low natural disaster claims.
• Farmers Insurance has discounts for teen driver, pay in full, bundle discounts, business and professional, and electronic funds transfer.
• Farm Bureau has savings for safe driver, 55 and retired, multi-vehicle, renewal discount, and youthful driver.
• State Farm may offer discounts for defensive driving training, good student, passive restraint, multiple autos, Drive Safe & Save, and anti-theft.
• Allstate offers discounts including new car, utility vehicle, multi-policy, resident student, 55 and retired, good student, and defensive driver.
• GEICO discounts include emergency military deployment, five-year accident-free, seat belt use, anti-theft, and air bags.

When comparing rates, check with every insurance company what discounts are available to you. Depending on the company, some discounts might not be available to policyholders in Cleveland. To locate companies with significant discounts in Ohio, click here.

Here’s why auto insurance is not optional

Despite the high cost, insurance is required in Ohio but also provides important benefits.

• Just about all states have compulsory liability insurance requirements which means the state requires a specific level of liability insurance in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Lincoln Navigator has a lienholder, almost all lenders will make it a condition of the loan that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Lincoln for a lot more money and force you to reimburse them the higher price.
• Auto insurance protects your car and your assets. It will also provide coverage for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of insuring your Navigator are without a doubt worth the cost, particularly if you ever have a claim. Unknowingly, the average driver is overpaying over $869 every year so shop around each time the policy renews to save money.

Car insurance companies ranked

Insuring your vehicle with a highly-rated insurance company is hard considering how many different companies sell coverage in Ohio. The rank data listed below may help you select which car insurance providers to look at purchasing from.

Top 10 Cleveland Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. GEICO
8. Safeco Insurance
9. Mercury Insurance
10. Esurance

Car insurance can be complex

When quoting and comparing coverage online or from an agent, there really is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed.
For example, these questions could help you determine if you could use an agent’s help.

• Is my camper covered for physical damage?
• How high should my uninsured/underinsured coverage be in Ohio?
• When does my teenage driver need to be added to my policy?
• Who does medical payments coverage extend to?
• Do I need rental car coverage?
• Can I drive in Mexico and have coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance is available from agents near you

A lot of people still prefer to buy from a licensed agent and that is just fine! Professional insurance agents can make sure you are properly covered and help in the event of a claim. The biggest benefit of price shopping on the web is the fact that you can find lower rates and still have an agent to talk to. And buying from neighborhood agents is important especially in Cleveland.

By using this quick form, your information gets sent to agents in your area that can give you free Cleveland car insurance quotes for your coverage. You won’t need to contact any insurance agencies since rate quotes are delivered to you instantly. In the event you want to compare prices from a particular provider, don’t hesitate to visit that company’s website and submit a quote form there.

Two types of Cleveland car insurance agents

When finding a reputable insurance agent or broker, it helps to know the two types of agencies and how they are slightly different. Insurance agents in Cleveland can be described as either exclusive or independent agents depending on their company appointments. Either can sell affordable insurance policies, but it’s a good idea to understand the difference between them since it could factor into your selection of an agent.

Independent Agencies or Brokers

Agents in the independent channel are not limited to a single company and that allows them to write policies with any number of different companies enabling the ability to shop coverage around. If they quote lower rates, your agent can switch companies and you don’t have to find a new agent.

If you are comparing rate quotes, it’s a good idea to include rate quotes from several independent agencies so that you have a good selection of quotes to compare. Many independent agencies also insure through smaller mutual companies which may have better rates.

Below is a partial list of independent agencies in Cleveland that may be able to provide price quote information.

• Furlong and Co Insurance Agency Inc
  569 E 185th St – Cleveland, OH 44119 – (216) 486-4170 – View Map
• LEUSCH Insurance Services Agency, Inc. / INSURANCE CONCEPTS
  16903 Fischer Rd – Lakewood, OH 44107 – (216) 228-3333 – View Map
• Tower Insurance
  15887 Snow Rd – Brook Park, OH 44142 – (216) 267-4466 – View Map

More insurance agents

Exclusive Insurance Agents

Agents of this type can only provide one company’s prices and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to compare rates from other companies so always compare other rates. Exclusive agents receive a lot of sales training in insurance sales which helps them sell insurance even at higher premiums. Some insured continue to buy from the same agent for years mainly due to the prominent brand name rather than having low rates.

Listed below are exclusive insurance agencies in Cleveland that can give you price quote information.

• Justin Ragor – State Farm Insurance Agent
  3878 Rocky River Dr Ste 4 – Cleveland, OH 44111 – (216) 251-5300 – View Map
• Dick McClement – State Farm Insurance Agent
  2700 W 25th St – Cleveland, OH 44113 – (216) 621-3723 – View Map
• State Farm: Stan Harris
  12429 Cedar Road, Suite 26 – Cleveland Heights, OH 44106 – (216) 791-1006 – View Map

More insurance agents

Finding the right car insurance agent requires more thought than just the bottom line cost. Any good agent in Cleveland should know the answers to these questions.

• Do they assist clients in filing claims?
• How often do they review coverages?
• Do the coverages you’re quoting properly cover your vehicle?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Is the agency involved in supporting local community causes?
• Does the company have a solid financial rating?
• Is the agent properly licensed in Ohio?

What car insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on the average car insurance policy.

Coverage for collisions

Collision insurance will pay to fix damage to your Navigator resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible on your Navigator in order to get cheaper collision rates.

Auto liability

This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like attorney fees, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford. Ohio state minimum liability requirements are 25/50/25 but you should think about purchasing more coverage.

The next chart shows why buying low liability limits may not be high enough to cover claims.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like dental work, X-ray expenses, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Lincoln Navigator.

Due to the fact that many Ohio drivers only carry the minimum required liability limits (25/50/25 in Ohio), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, vandalism and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.