How many times have you told yourself it’s time to shop around for cheaper Lincoln Navigator insurance in Columbus? Locating low-cost Columbus Lincoln Navigator insurance quotes might seem somewhat intimidating for drivers that are relatively new to comparing and buying car insurance on the internet. With so many agents and insurers available, how are drivers expected to have a chance to compare every company to locate better prices?
Steps to finding affordable quotes for Lincoln Navigator insurance in Columbus
The most effective way to get more affordable Lincoln Navigator insurance is to regularly compare price quotes from insurers in Columbus. Drivers can shop around by completing these steps.
First, it will benefit you to learn about how insurance companies determine prices and the changes you can make to keep rates down. Many risk factors that result in higher prices such as traffic tickets, fender benders, and a less-than-favorable credit history can be remedied by making minor changes in your lifestyle.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple companies. View insurance agents
Third, compare the price quotes to your existing rates and see if you can save money. If you find a lower rate quote, make sure there is no lapse in coverage.
A key point to remember is to use similar deductibles and liability limits on every quote request and and to get price estimates from as many companies as feasibly possible. Doing this enables a fair rate comparison and a complete price analysis.
Unthinkable but true, nearly 70% of drivers have been with the same company for at least four years, and just under half have never compared rate quotes at all. Drivers in Ohio can save hundreds of dollars each year, but they just don’t understand how easy it is to find cheaper insurance by shopping around.
Best companies for competitive Lincoln Navigator insurance in Ohio
The following companies have been selected to offer quotes in Ohio. If multiple companies are shown, it’s highly recommended you get price quotes from several of them to get the lowest price.
Statistics and details
The table shown next outlines different insurance premium costs for Lincoln Navigator models. Having a good grasp of how premiums are determined is important for drivers to make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $272 | $588 | $306 | $18 | $92 | $1,276 | $106 |
| Navigator 4WD | $272 | $588 | $306 | $18 | $92 | $1,276 | $106 |
| Navigator L 2WD | $300 | $588 | $306 | $18 | $92 | $1,304 | $109 |
| Navigator L 4WD | $300 | $588 | $306 | $18 | $92 | $1,304 | $109 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in zip code location which can change prices substantially.
Can higher deductibles save money?
When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The following insurance rates highlight the differences in premium rates between low and high deductibles. The first data table uses a $100 deductible for comp and collision and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $246 | $478 | $226 | $14 | $68 | $1,057 | $88 |
| Navigator 4WD | $246 | $478 | $226 | $14 | $68 | $1,057 | $88 |
| Navigator L 2WD | $270 | $478 | $226 | $14 | $68 | $1,081 | $90 |
| Navigator L 4WD | $270 | $478 | $226 | $14 | $68 | $1,081 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $136 | $252 | $226 | $14 | $68 | $696 | $58 |
| Navigator 4WD | $136 | $252 | $226 | $14 | $68 | $696 | $58 |
| Navigator L 2WD | $150 | $252 | $226 | $14 | $68 | $710 | $59 |
| Navigator L 4WD | $150 | $252 | $226 | $14 | $68 | $710 | $59 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in specific Columbus garaging location which can change coverage prices noticeably.
Based on the data above, we can derive that using a $100 deductible will cost you about $30 more each month or $360 every year across all Lincoln Navigator models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 30 months between claims, you would probably come out ahead by going with a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $89 |
| Average monthly premium for $1,000 deductibles (subtract): | – $59 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
Impact of age and gender on auto insurance rates
The information below compares Lincoln Navigator insurance prices for male and female drivers. The rates are based on no claims or violations, full coverage, $250 deductibles, single status, and no discounts are applied to the premium.
Rate comparison of full coverage and liability-only
The example below shows the comparison of Lincoln Navigator car insurance rates with full coverage and liability only. The data assumes no claims or driving violations, $250 deductibles, drivers are not married, and no additional discounts are factored in.
When to drop comprehensive and collision coverage
There is no set rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s say your Lincoln Navigator claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after the policy deductible has been paid. If you are currently paying more than $500 annually to have full coverage, then it may be the right time to buy liability only.
There are some circumstances where removing full coverage is not advised. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should maintain full coverage.
Discounts can help save money on Lincoln Navigator insurance in Columbus
Some providers do not advertise the entire discount list very clearly, so we researched some of the best known and the harder-to-find discounts that you may qualify for.
- Military Deployment Discount – Having a deployed family member may qualify for rate reductions.
- No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on Columbus car insurance quote when compared with bad drivers.
- Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of 20% or more.
- Professional Memberships – Being in certain professional organizations is a simple method to lower premiums on your bill.
- Student Driver Training – Teen drivers should successfully take a driver’s education course in school or through a local driver safety program.
- Auto/Life Discount – If the company offers life insurance, you could get a discounted car insurance rate on car insurance if you buy some life insurance too.
- Sign Online – Many larger companies will give a small break for buying your policy digitally online.
- Cautious Driver Discounts – Drivers who avoid accidents can save as much as half off their rates as compared to drivers with claims.
- Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
Please keep in mind that most discounts do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will help lower your overall bill.
The information below illustrates the comparison of Lincoln Navigator insurance premiums with and without discounts applied to the policy premium. The data is based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, safe-driver, marriage, and multi-car discounts applied.
Car insurance companies who may offer some of the discounts shown above are:
When getting a coverage quote, ask all companies you are considering which credits you are entitled to. All car insurance discounts may not apply to policies in Columbus. If you would like to see a list of companies that have a full spectrum of discounts in Ohio, follow this link.
Informed Drivers Can Save Money
Smart consumers have a good feel for the different types of things that are used to determine your premiums. When consumers understand what controls the rates you pay, this allows you to make good choices that will entitle you to big savings. Lots of things are used in the calculation when premium rates are determined. Some are pretty understandable such as your driving history, but others are more obscure such as whether you are married or how financially stable you are.
Drive less and pay lower prices – The more miles you rack up on your Lincoln in a year the more it will cost to insure it. The majority of insurers charge rates partially by how you use the vehicle. Cars and trucks used primarily for pleasure use cost less to insure compared to those used for work or business. A policy that improperly rates your Navigator may be costing you higher rates. It’s always a good idea to double check that your declarations sheet reflects the correct driver usage, because improper ratings can cost you money.
Teenage vs. older drivers – Older insureds tend to be more responsible, are lower risk to insure, and are safer drivers. Youthful drivers are known to get distracted easily with other occupants in the car so they pay higher car insurance rates.
The following chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Premiums go up with performance – The performance level of the car or truck you are buying insurance for makes a substantial difference in the rate you pay. The most favorable rates tend to be for lower cost passenger cars, but many other things help determine your insurance rates.
The following chart is based on a married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The data compares Lincoln Navigator car insurance rates compared to other makes and models that have different risk factors.
High credit saves on car insurance – Credit score factor in determining what you pay for car insurance. If your credit rating is not that good, you could save money insuring your Lincoln Navigator by repairing your credit. Insureds that have very good credit scores tend to be more responsible than drivers who have worse credit.
Lincoln Navigator claim probability – Insurance companies use claims history to help calculate a profitable premium rate. Vehicles that statistically have higher claim frequency or loss amount will be charged more to insure. The table below demonstrates the historical insurance loss data for Lincoln Navigator vehicles.
For each type of coverage, the claim amount for all vehicles, regardless of make, model or trim level, is represented as 100. Values that are under 100 mean the vehicle has better than average losses, while values over 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
| 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get rate quotes but buy from a local Columbus insurance agent
A lot of people still prefer to have an agent’s advice and doing so can bring peace of mind The biggest benefit of comparing rates online is you can get lower rates but still work with a licensed agent.
Upon completion of this short form, the quote information is transmitted to local insurance agents in Columbus who can give free rate quotes to get your business. It simplifies rate comparisons since you won’t have to contact an agency since price quotes are sent to the email address you provide. You’ll get the best rates without the usual hassles of price shopping. If you have a need to get a comparison quote from a specific auto insurance provider, just visit that company’s website and fill out the quote form the provide.
Deciding on an insurance company should include more criteria than just the bottom line cost. Any good agent in Columbus should know the answers to these questions.
- If you have an accident, will your rates go up?
- What will you get paid if your car is a total loss? How is that amount determined?
- What company holds the largest book of business for them?
- Will high miles depreciate repair valuations?
- How are they compensated?
- Will the quote change when the policy is issued?
- Is the agency involved in supporting local community causes?
The type of car insurance agent you choose is important
If you need to find a reputable agency, it helps to know the two types of insurance agents and how they operate. Agents in Columbus are considered either independent or exclusive depending on the company they work for.
Exclusive Agents
Exclusive agencies work for only one company and examples are American Family, State Farm, and AAA. Exclusive agencies are unable to compare rates from other companies so you might not find the best rates. Exclusive agents are well schooled in insurance sales which helps overcome the inability to quote other rates. Some insured continue to use the same agent mostly because of high brand loyalty rather than having low rates.
Shown below are exclusive insurance agencies in Columbus who can help you get rate quotes.
- Gary Bepler – State Farm Insurance Agent
3246 Noe Bixby Rd – Columbus, OH 43232 – (614) 837-4379 – View Map - Jonathan Yu – State Farm Insurance Agent
1930 Crown Park Ct #140 – Columbus, OH 43235 – (614) 885-9507 – View Map - Wendy Sams – State Farm Insurance Agent
9039 Antares Ave, Ste D-1A – Columbus, OH 43240 – (614) 985-6123 – View Map
Independent Auto Insurance Agents
Independent agents are appointed with more than one company and that allows them to write policies amongst many companies and find you cheaper rates. To transfer your coverage to a different company, an independent agent can move your coverage which requires no work on your part.
When comparison shopping, it’s a good idea to contact several independent insurance agents for the best price selection. Most have the option of insuring with less well-known companies that may have much lower rates than larger companies.
Shown below are Columbus independent insurance agencies willing to provide rate quotes.
- IHT Insurance Agency Group LLC
655 Metro Pl S Suite 330 – Dublin, OH 43017 – (614) 761-2825 – View Map - Pfeifer-Ornstein Insurance Agency
3291 E Main St – Columbus, OH 43213 – (614) 235-7050 – View Map - AA Affordable Insurance Agency of Ohio
1180 W Broad St – Columbus, OH 43222 – (614) 221-7007 – View Map
Get the best coverage at the most affordable price
Lower-priced Lincoln Navigator insurance in Columbus is definitely available on the web and from local agencies, and you should compare price quotes from both to have the best selection. Some car insurance companies do not offer the ability to get quotes online and usually these small, regional companies only sell coverage through local independent agencies.
As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. Too many times, an insured dropped liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.
Consumers leave their current company for many reasons like policy cancellation, extreme rates for teen drivers, poor customer service or even not issuing a premium refund. Whatever your reason, switching car insurance companies can be easier than you think.
How to save on Lincoln Navigator insurance in Columbus
If saving the most money is your goal, then the best way to find cheaper car insurance rates in Columbus is to begin comparing prices regularly from providers that sell auto insurance in Ohio. You can compare rates by following these steps.
First, spend a few minutes and learn about the different coverages in a policy and the factors you can control to prevent rate increases. Many rating factors that cause high rates like your driving record and a less-than-favorable credit rating can be rectified by making minor changes in your lifestyle.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or State Farm, while independent agencies can provide price quotes for many different companies.
Third, compare the new quotes to the price on your current policy to see if cheaper Navigator coverage is available in Columbus. If you find a better price and buy the policy, make sure there is no coverage gap between policies.
Fourth, tell your current company of your intention to cancel your existing policy and submit the signed application along with the required initial payment to the new company. As soon as you receive it, keep your new certificate of insurance in an easily accessible location.
One tip to remember is to compare identical coverages on every quote request and and to look at as many companies as you can. Doing this helps ensure an accurate price comparison and a thorough selection of prices.
Additional detailed information is located in these articles:
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has Cheap Columbus Car Insurance Quotes for Safe Drivers? (FAQ)
- What Car Insurance is Cheapest for a Chevrolet Silverado in Columbus? (FAQ)
- Who Has Affordable Columbus Car Insurance for Felons? (FAQ)
- Who Has Affordable Car Insurance Quotes for Good Drivers in Columbus? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Where can I buy Insurance? (Insurance Information Institute)