How many times have you said it’s time to compare low-cost Lincoln Navigator insurance in Baltimore? Are you kicking yourself for buying an overpriced auto insurance policy? Don’t feel bad because there are lots of Baltimore residents who feel the same.
It’s an obvious assumption that auto insurance companies don’t want you to compare rates. Consumers who compare rates at least once a year are very likely to buy a different policy because there is a significant possibility of finding a cheaper policy. A recent survey found that people who compared rates regularly saved about $860 a year compared to those who never compared rates.
If saving the most money on Lincoln Navigator insurance in Baltimore is your ultimate objective, then learning a little about the best way to quote and compare insurance premiums can save time and money.
How to find affordable Lincoln Navigator insurance in Baltimore
The preferred way to get cheaper Lincoln Navigator insurance is to start doing a yearly price comparison from insurance carriers who can sell car insurance in Baltimore.
First, gain an understanding of how car insurance works and the measures you can control to prevent expensive coverage. Many rating factors that result in higher prices such as inattentive driving and a less-than-favorable credit history can be improved by making minor changes in your lifestyle.
Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO and State Farm, while independent agencies can provide price quotes from multiple companies. View rates
Third, compare the quotes to the price on your current policy to see if you can save by switching companies. If you find better rates and switch companies, verify that coverage does not lapse between policies.
The critical component of shopping around is to use similar deductibles and liability limits on every price quote and and to compare as many companies as you can. This guarantees the most accurate price comparison and a complete selection of prices.
Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with fancy advertisements and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.
If you have car insurance now, you will most likely be able to get lower rates using the ideas presented in this article. Locating the best rates in Baltimore is actually not that difficult if you follow our advice. Although Maryland vehicle owners benefit from understanding how insurance companies sell insurance online because it varies considerably.
All major insurance companies like Allstate and Progressive allow you to get coverage price quotes online. Getting online rates for Lincoln Navigator insurance in Baltimore is very simple as you just enter your personal and coverage information into the quote form. Upon sending the form, the company’s rating system will obtain your driving record and credit report and generates a price based on the data you entered. Getting online rate quotes for Lincoln Navigator insurance in Baltimore makes it simple to compare prices and it is important to get many rate quotes if you are searching for a better rate.
To quickly get comparison pricing now, take a look at the companies shown below. If you have your current policy handy, we recommend you input your coverages identical to your current policy. This makes sure you are getting rate comparison quotes based on the exact same insurance coverage.
The companies in the list below can provide comparison quotes in Maryland. To get the best cheap auto insurance in Baltimore, it’s highly recommended you compare several of them to find the most competitive car insurance rates.
Get discounts to get affordable Baltimore car insurance rates
The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Some discounts will apply when you purchase, but lesser-known reductions have to be specially asked for before you get the savings.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Defensive Driving Course – Passing a course in defensive driving is a good idea and can lower rates and easily pay for the cost of the class.
- Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems could see savings of 25 to 30%.
- Low Mileage Discounts – Driving fewer miles can earn lower car insurance rates due to less chance of an accident.
- Bundled Policy Discount – If you combine your home and auto policies with the same company you may earn 10% to 20% off each policy.
- Good Grades Discount – Being a good student can get you a discount of up to 25%. The discount lasts until age 25.
- Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on one policy could earn a price break for each car.
One last thing about discounts, most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. Even though it appears all those discounts means the company will pay you, nobody gets a free ride.
The information below shows the comparison of Lincoln Navigator yearly insurance costs with and without discounts applied. The premium estimates are based on a female driver, no violations or accidents, Maryland 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 safe-driver, multi-policy, homeowner, claim-free, marriage, and multi-car discounts applied.
Auto insurance companies that may offer some of the discounts shown above include:
Double check with each company or agent what discounts are available to you. Some discounts may not be available in Baltimore.
Insurance coverage analysis
The rate information displayed below highlights estimates of policy rates for Lincoln Navigator models. Having a good grasp of how rate quotes are determined can be useful when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $276 | $596 | $458 | $28 | $138 | $1,496 | $125 |
| Navigator 4WD | $276 | $596 | $458 | $28 | $138 | $1,496 | $125 |
| Navigator L 2WD | $304 | $596 | $458 | $28 | $138 | $1,524 | $127 |
| Navigator L 4WD | $304 | $596 | $458 | $28 | $138 | $1,524 | $127 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Prices do not factor in specific zip code location which can modify coverage rates substantially.
Deductible analysis
When comparing car insurance rates, the most common question is what deductibles to buy. The rates below may help to conceptualize how much more you’ll pay when you buy lower versus higher physical damage deductibles. The first table uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $440 | $856 | $406 | $24 | $122 | $1,873 | $156 |
| Navigator 4WD | $440 | $856 | $406 | $24 | $122 | $1,873 | $156 |
| Navigator L 2WD | $484 | $856 | $406 | $24 | $122 | $1,917 | $160 |
| Navigator L 4WD | $484 | $856 | $406 | $24 | $122 | $1,917 | $160 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $320 | $578 | $406 | $24 | $122 | $1,450 | $121 |
| Navigator 4WD | $320 | $578 | $406 | $24 | $122 | $1,450 | $121 |
| Navigator L 2WD | $354 | $578 | $406 | $24 | $122 | $1,484 | $124 |
| Navigator L 4WD | $354 | $578 | $406 | $24 | $122 | $1,484 | $124 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific location information which can affect insurance rates noticeably.
Using the data above, we can ascertain that using a $100 deductible costs about $35 more each month or $420 for a full year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 11 months between claims, you would save money by going with a higher deductible.
The illustration below shows how different deductible levels and can affect Lincoln Navigator yearly insurance costs for different age groups of insureds. The price estimates are based on a single female driver, comp and collision included, and no discounts are applied.
Lincoln Navigator liability rates compared to full coverage
The example below shows the comparison of Lincoln Navigator auto insurance costs with full coverage compared to only the Maryland minimum liability coverage. The premiums are based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are factored in.
When to buy liability coverage only
There is no set rule to drop full coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Lincoln Navigator replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after you pay the deductible. If it’s costing you more than $400 a year for physical damage coverage, then it could be time to drop full coverage.
There are some cases where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
You Can Change Your Insurance Rates
Consumers need to have an understanding of some of the things that help determine car insurance rates. If you understand what determines base rates, this enables you to make decisions that will entitle you to much lower annual insurance costs.
Better premiums on vehicles with better crash test results – Cars with five star safety ratings can get you lower premiums. Vehicles built for safety result in less severe injuries and reduced instances of injuries translates directly to fewer claims which can result in lower premiums.
More than one policy can earn a discount – Lots of car insurance companies allow better rates to clients who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare Lincoln Navigator rates in Baltimore to confirm you are receiving the best rates possible.There is a chance you can save even more by buying car insurance from a different company.
Rates and your address – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when trying to find low car insurance rates. People in densely populated areas have to deal with traffic congestion and higher rates of accident claims. Fewer people corresponds to lower accident rates and lower theft and vandalism rates.
Liability insurance – The liability coverage on your policy kicks in in the event that you are found to be at fault for causing personal injury or damage in an accident. This coverage provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
GPS tracking and theft deterrents reduce prices – Selecting a car model with a theft deterrent system can earn a premium discount. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.
Cheaper rates with high comp and collision deductibles – Comp and collision deductibles are how much the insured will be required to pay if a covered claim is submitted. Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some coverage claims are rear-ending another vehicle, fire damage, and damage caused by road hazards. The higher the amount you are required to pay out-of-pocket, the lower your rates will be.
Single vs. married – Walking down the aisle actually saves money when shopping for car insurance. Marriage is viewed as being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
Lincoln Navigator historical loss data – Companies factor in insurance loss information when setting rates for each model. Models that tend to have higher number or severity of losses will be charged more to insure. The next table illustrates the insurance loss data used by companies for Lincoln Navigator vehicles.
For each coverage category, the claim amount for all vehicles, as a total average, is represented as 100. Numbers below 100 represent a good loss history, while values over 100 indicate more frequent claims or an increased likelihood of larger losses.
| 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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Can’t I compare rate quotes from local Baltimore auto insurance agents?
Many people still like to get advice from a local agent and that is recommended in a lot of cases A nice benefit of getting free rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to. Putting coverage with small agencies is especially important in Baltimore.
To help locate an agent, after submitting this quick form, your coverage information gets sent to insurance agents in Baltimore who will give competitive quotes for your insurance coverage. It’s much easier because you don’t need to contact an agency as quotes are delivered to you instantly. You’ll get the best rates and an insurance agent to talk to. If you need to get a rate quote from a specific insurance company, you just need to find their quoting web page to submit a rate quote request.
Finding a good provider requires you to look at more than just the quoted price. Some important questions to ask are:
- Do they reduce claim amounts on high mileage vehicles?
- What discounts might you be missing?
- Do they write coverage based solely on cost?
- Are they paid to recommend certain coverages?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is the agent and/or agency licensed to do business in Maryland?
- Does the company have a solid financial rating?
- Do they have any clout with companies to ensure a fair claim settlement?
Which auto insurance company is best in Maryland?
Finding the highest-rated insurance company can be difficult considering how many companies sell insurance in Baltimore. The rank data in the lists below could help you pick which car insurance providers you want to consider putting your business with.
Top 10 Baltimore Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Baltimore Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Persistence pays off
In this article, we covered many ways to get a better price on Lincoln Navigator insurance in Baltimore. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from the smaller companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.
When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. In many cases, an accident victim reduced collision coverage only to discover later they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.
Cheaper insurance in Baltimore can be bought from both online companies and with local Baltimore insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and usually these small, regional companies provide coverage only through independent agents.
Steps to finding affordable quotes for Lincoln Navigator insurance in Baltimore
Truthfully, the best way to get more affordable auto insurance rates in Baltimore is to start comparing rates regularly from different companies who can sell car insurance in Maryland. You can compare rates by completing these steps.
- Gain an understanding of how insurance works and the things you can change to prevent high rates. Many factors that increase rates such as at-fault accidents and your credit history can be rectified by making minor changes to your lifestyle.
- Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agents can quote prices for a wide range of companies.
- Compare the quotes to your current policy premium and determine if there is any savings. If you can save money and decide to switch, make sure coverage does not lapse between policies.
An important note is to try to use the same physical damage deductibles and liability limits on each quote and to quote with all possible companies. Doing this ensures a level playing field and a good representation of prices.
Additional articles
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- What Auto Insurance is Cheapest for a Chevrolet Equinox in Baltimore? (FAQ)
- What Car Insurance is Cheapest for Seniors in Baltimore? (FAQ)
- What Insurance is Cheapest for a Learners Permit in Baltimore? (FAQ)
- Who Has Affordable Baltimore Car Insurance Rates for Business Use? (FAQ)
- Who Has Cheap Baltimore Car Insurance Rates for Teenage Females? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)