Locating better insurance prices for your Lincoln Navigator in Missouri can normally be difficult, but you can learn the following methods and make it easy.
There are both good and bad ways to buy car insurance so you’re going to learn the quickest way to get price quotes on a Lincoln and find the best price possible either online or from Kansas City insurance agents.
Pricing the best-priced insurance coverage in Kansas City is actually quite simple. If you have a current insurance policy or want to find a cheaper company, you can use these tips to save money without sacrificing coverage. Smart buyers just have to use the most efficient way to compare insurance rates from multiple carriers.
Compare Lincoln Navigator insurance rates
The auto insurance companies shown below offer comparison quotes in Kansas City, MO. To find the cheapest car insurance in Kansas City, MO, it’s a good idea that you click on several of them to get the best price comparison.
Save money with discounts
Companies do not list all possible discounts in a way that’s easy to find, so the following list contains some of the best known as well as the least known credits available to bring down your rates. If you do not check that you are getting every discount possible, you’re just leaving money on the table.
- Professional Organizations – Belonging to qualifying clubs or civic groups could earn you a nice discount on your bill.
- Active Service Discounts – Having a family member in the military could mean lower car insurance rates.
- Save over 55 – If you qualify as a senior citizen, you may qualify for lower premium rates.
- Braking Control Discount – Vehicles with ABS braking systems or traction control are safer to drive and the ABS can save up to 10%.
- Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote Kansas City auto insurance with select insurance companies.
- No Accidents – Claim-free drivers have much lower rates when compared to insureds who have frequent claims or accidents.
- College Student Discount – Older children living away from Kansas City attending college and won’t have access to an insured vehicle could get you a discount.
- Save with a New Car – Insuring a vehicle that is new can save you some money since new vehicles are generally safer.
Please keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will lower the premium cost.
The chart below illustrates the difference between Lincoln Navigator insurance rates with and without discounts applied. The data is based on a female driver, no claims or driving citations, Missouri state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, multi-policy, marriage, and safe-driver discounts applied.
A list of car insurance companies and some of the premium reductions they offer are detailed below.
- Esurance may have discounts that include renters, multi-policy, emergency road assistance, DriveSense, safety device, and online quote.
- The Hartford discounts include driver training, good student, vehicle fuel type, air bag, anti-theft, bundle, and defensive driver.
- AAA has discounts for AAA membership discount, good driver, anti-theft, multi-car, good student, and pay-in-full.
- GEICO may offer discounts for military active duty, daytime running lights, multi-vehicle, anti-theft, defensive driver, driver training, and air bags.
- State Farm offers discounts for safe vehicle, multiple policy, Drive Safe & Save, good student, driver’s education, and anti-theft.
If you want cheaper Kansas City auto insurance quotes, ask all the companies which credits you are entitled to. Some discounts might not be offered on policies in every state. To see car insurance companies that can offer you the previously mentioned discounts in Kansas City, click here to view.
Lincoln Navigator insurance statistics and information
The information displayed next covers a range of insurance costs for Lincoln Navigator models. Having a better understanding of how auto insurance policy rates are formulated can help drivers make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $222 | $462 | $280 | $16 | $84 | $1,064 | $89 |
| Navigator 4WD | $222 | $462 | $280 | $16 | $84 | $1,064 | $89 |
| Navigator L 2WD | $246 | $462 | $280 | $16 | $84 | $1,088 | $91 |
| Navigator L 4WD | $246 | $462 | $280 | $16 | $84 | $1,088 | $91 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific zip code location which can influence rates greatly.
Analysis of deductible levels
When buying auto insurance, a common question is where should you set your physical damage deductibles. The comparison tables below may help to illustrate the premium difference of buying low and high comp and collision deductibles. The first data table uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $288 | $562 | $266 | $16 | $80 | $1,237 | $103 |
| Navigator 4WD | $288 | $562 | $266 | $16 | $80 | $1,237 | $103 |
| Navigator L 2WD | $318 | $562 | $266 | $16 | $80 | $1,267 | $106 |
| Navigator L 4WD | $318 | $562 | $266 | $16 | $80 | $1,267 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $210 | $380 | $266 | $16 | $80 | $952 | $79 |
| Navigator 4WD | $210 | $380 | $266 | $16 | $80 | $952 | $79 |
| Navigator L 2WD | $232 | $380 | $266 | $16 | $80 | $974 | $81 |
| Navigator L 4WD | $232 | $380 | $266 | $16 | $80 | $974 | $81 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in zip code location which can lower or raise insurance rates noticeably.
We can derive from the above data that using a $100 deductible would cost the average driver about $25 more each month or $300 a year than opting for the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 16 months between claims, you would more than likely save some money by going with a higher deductible.
Impact of citations and accidents on Kansas City insurance rates
The example below illustrates how traffic citations and accidents influence Lincoln Navigator car insurance costs for different age groups. Data assumes a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Do you need full coverage?
The example below illustrates the difference between Lincoln Navigator auto insurance rates with liability coverage only compared to full coverage. The price estimates are based on no violations or claims, $250 deductibles, single status, and no additional discounts are factored in.
When to stop buying full coverage
There is no exact formula for phasing out comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Lincoln Navigator settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If it’s costing you more than $300 annually to have full coverage, then you might want to think about dropping full coverage.
There are some circumstances where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Exclusive versus independent car insurance agents
Some people just prefer to get professional advice from a licensed agent and that is a smart decision Professional agents can help you build your policy and will help you if you have claims. One of the best bonuses of getting free rate quotes online is the fact that you can find cheaper rates and still choose a local agent. Buying from and supporting local insurance agents is especially important in Kansas City.
Once you complete this simple form, the coverage information is submitted to local insurance agents that can give you free Kansas City auto insurance quotes for your insurance coverage. You won’t even need to visit any agencies due to the fact that quote results will go to the email address you provide. If you have a need to get a price quote from a specific insurance company, you would need to find their quoting web page and complete a quote there.
Listed below are Kansas City insurers willing to provide price quotes for Lincoln Navigator insurance in Kansas City.
- Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map - ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 – View Map - State Farm: Mike Parisi
416 Armour Rd – North Kansas City, MO 64116 – (816) 221-3840 – View Map - Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212 – View Map
Finding the right company requires you to look at more than just a cheap price. A good agent in Kansas City will have answers to these questions.
- Is the agency involved in supporting local community causes?
- Do you work with a CSR or direct with the agent?
- Does the agency provide any after hours assistance?
- How often do they review policy coverages?
- Are there any extra charges for paying monthly?
- Does the agency have a positive business rating?
- Will one accident increase rates?
- Will the agent help in case of a claim?
Upon receiving satisfactory answers to any questions you may have and locked in a price quote, you’ve probably found an insurance company that is a good match to properly insure your vehicles. Just be aware that you are able to terminate coverage whenever you wish so never feel that you’re stuck with any particular company with no way out.
You are unique and your insurance should be too
Always remember that when buying a policy, there really is no one-size-fits-all type of policy. Every situation is different.
For example, these questions may help highlight whether or not you might need an agent’s assistance.
- Does liability extend to a camper or trailer?
- Am I missing any policy discounts?
- At what point should I drop full coverage?
- Should I buy only the required Missouri minimum liability coverage?
- If I drive on a suspended license am I covered?
- Are combined or split liability limits better?
- Will filing a claim cost me more?
- Should I get collision insurance on every vehicle?
- Why do I only qualify for high-risk insurance?
- Am I covered if I hit someone who is not insured?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.
Why Smart Consumers Pay Less for Lincoln Navigator Insurance
Lots of factors are used when you get a price on insurance. Some are obvious like a motor vehicle report, but other criteria are more transparent such as your credit history or how financially stable you are.
The items below are some of the factors used by your company to calculate premiums.
Where you live – Living in a rural area has definite advantages when shopping for auto insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. People who live in big cities have to deal with much more traffic and a longer drive to work. The longer drive time means more chances of being involved in an auto accident.
Stay claim-free and save money – If you file a lot of claims you shouldn’t be surprised to get either higher rates or even cancellation. Car insurance companies in Missouri give most affordable rates to policyholders who do not file claims often. Your car insurance is intended for larger claims.
Car plus home equals more savings – The majority of insurers give discounts to clients who consolidate policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount you may still want to check prices from other companies to help ensure you have the lowest rates.
Premiums are affected by your credit rating – Having a bad credit rating is a large factor in your rate calculation. If your credit history can be improved, you may save money insuring your Lincoln Navigator if you improve your credit rating. Insureds that have excellent credit tend to be more responsible than drivers who have lower credit ratings.
Do you really need roadside assistance? – Insurance policies have a lot of additional coverages you can purchase if you aren’t diligent. Coverages for rental car coverage, high-cost glass coverage, and extra life insurance coverage may be wasting your money. These may sound like a good investment initially, but if they’re wasting money remove them and pocket the money.
What are good liability limits? – The liability coverage on your policy is the coverage that protects you when you are determined to be liable for damages caused by your negligence. Liability provides legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
Which gender costs less? – Statistics show that women are safer drivers than men. This data doesn’t prove that men are worse drivers. Women and men are responsible for accidents at a similar rate, but the male of the species have accidents that have higher claims. Not only are claims higher, but men receive more major tickets like DWI (DUI) or reckless driving. Male teenagers generally have the highest accident percentage so they pay the highest premiums.
The chart below illustrates the comparison of Lincoln Navigator auto insurance rates for male and female drivers. The rate quotes are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
Lincoln Navigator claim probability – Companies include the past claim trends for vehicles when they file their rates in each state. Vehicles that the data shows to have higher prevalence or dollar amount of losses will have increased rates. The table shown below demonstrates the actual insurance loss data for Lincoln Navigator vehicles.
For each policy coverage type, the statistical loss for all vehicles, as a total average, is set at 100. Values under 100 represent a good loss history, while percentage numbers above 100 indicate more frequent claims or an increased chance of larger losses than average.
| 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 from IIHS.org for 2013-2015 Model Years
Here’s why insurance is not optional
Despite the fact that insurance is not cheap in Kansas City, buying insurance serves a purpose in several ways.
- The majority of states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability insurance coverage in order to get the vehicle licensed. In Missouri 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.
- If your Lincoln has a lienholder, almost every bank will make it a condition of the loan that you have physical damage coverage to guarantee their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Lincoln at a more expensive rate and require you to pay for the expensive policy.
- Insurance protects both your Lincoln Navigator and your assets. It will also reimburse you for medical expenses that are the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance more than offset the price you pay, especially if you ever need it. According to a 2015 survey, the average American driver is currently overpaying as much as $865 each year so it’s important to compare rates every year to make sure the price is not too high.
One last thing about your coverage
As you quote Kansas City auto insurance, never buy less coverage just to save a little money. There are too many instances where an accident victim reduced physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.
In this article, we presented a lot of techniques to find affordable Lincoln Navigator insurance in Kansas City. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the biggest savings come from a small local company.
People who switch companies do it for a number of reasons such as unfair underwriting practices, not issuing a premium refund, poor customer service and questionable increases in premium. It doesn’t matter why you want to switch finding a great new company can be less work than you think.
How to find low-cost Lincoln Navigator insurance in Kansas City
If your goal is the lowest price, then the best way to get budget Lincoln Navigator insurance in Kansas City is to begin comparing prices regularly from providers who can sell car insurance in Missouri.
- First, try to learn a little about coverages and the factors you can control to lower rates. Many rating criteria that cause high rates such as speeding tickets, accidents and an imperfect credit rating can be amended by being financially responsible and driving safely.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices from multiple companies.
- Third, compare the new rate quotes to your existing policy and see if there is a cheaper rate. If you can save money and switch companies, make sure there is no coverage gap between policies.
- Fourth, tell your current agent or company to cancel your current policy. Submit payment and a completed application to the new insurer. Once received, put the new proof of insurance certificate somewhere easily accessible.
A good piece of advice is that you’ll want to compare similar deductibles and liability limits on each quote request and and to get price quotes from every company you can. This enables a fair rate comparison and a thorough selection of prices.
Additional learning opportunities
- Teen Driving and Texting (State Farm)
- Who Has the Cheapest Auto Insurance for Inexperienced Drivers in Kansas City? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for College Graduates in Kansas City? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers Requiring a SR22 in Kansas City? (FAQ)
- How Much are Car Insurance Quotes for Good Students in Kansas City? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- Tread Depth and Tire Safety (State Farm)
- What is a Telematics Device? (Allstate)
- Think You’re a Safe Driver? (State Farm)