No sane person looks forward to paying premiums for insurance, in particular when they could get a better deal.

Insurance rates Lincoln Navigator in Fort CollinsShockingly, almost 70% of insureds in Colorado kept their coverage with the same insurance company for a minimum of four years, and approximately 38% of consumers have never quoted rates to find affordable coverage. U.S. drivers could save themselves about $850 a year by just shopping around, but they feel it's too difficult to find affordable insurance rates.

Lots of insurers contend to insure your vehicles, so it can be very hard to choose a provider to find the absolute best rates possible on Lincoln Navigator insurance in Fort Collins.

It's a great practice to compare premium rates quite often since insurance prices change frequently. Just because you had the lowest price on Lincoln Navigator insurance in Fort Collins last year you will most likely find a better rate quote today. Block out anything you think you know about insurance because it's time to teach you the fastest and easiest way to find better rates and still maintain coverage.

If you have a current insurance policy, you will most likely be able to lower your rates using the ideas covered in this article. Locating the most cost-effective insurance policy in Fort Collins is actually quite easy if you know where to start. Nevertheless, Colorado consumers must comprehend the methods companies use to calculate your policy premium because it varies considerably.

How do Insurance Providers Determine Lincoln Navigator Insurance Premiums?

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that help calculate your car insurance rates. If you know what determines base rates, this enables informed choices that can help you get cheaper rates. Lots of things are considered when pricing auto insurance. Some are obvious such as traffic violations, although others are more transparent like your continuous coverage or how financially stable you are.

Shown below are some of the most common factors used by insurance companies to determine prices.

To get inexpensive Fort Collins auto insurance quotes, there a variety of ways to compare quotes from lots of Colorado insurance companies. The best way to lower the rate you pay for insurance is to jump online and get quotes.

Online shopping is fast and free, and it makes it obsolete to spend time driving to each insurance agency near you. Quoting and buying Lincoln Navigator insurance online makes this unnecessary unless you want the peace of mind of a licensed agent. It is possible to find lower rates online but have your policy serviced through an agent. When comparison shopping, comparing a wide range of rates gives you a better chance of getting more affordable insurance.

The companies in the list below offer comparison quotes in Fort Collins, CO. If several companies are displayed, it's a good idea that you visit as many as you can in order to find the lowest rates.

Lincoln Navigator Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $216 $426 $338 $20 $100 $1,100 $92
Navigator 4WD $380 $740 $352 $20 $106 $1,598 $133
Navigator L 2WD $264 $516 $396 $24 $118 $1,318 $110
Navigator L 4WD $236 $416 $330 $20 $98 $1,100 $92
Get Your Own Custom Quote Go

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in vehicle location which can revise rates significantly.

Comparison of policy deductibles

The illustration below illustrates how choosing a deductible and can raise or lower Lincoln Navigator yearly insurance costs for each different age group. The premiums are based on a single female driver, full coverage, and no additional discounts are factored in.

Lincoln Navigator liability-only versus full coverage

The example below illustrates the difference between Lincoln Navigator car insurance rates with liability coverage only compared to full coverage. The rate quotes are based on no claims or violations, $100 deductibles, single female driver, and no other discounts are factored in.

Should you be buying full coverage?

There isn't a written rule for dropping full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's say your Lincoln Navigator settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after you pay the deductible. If you are paying over $700 annually for full coverage, then it could be time to drop full coverage.

There are some circumstances where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.

Impact of age and gender on auto insurance rates

The illustration below visualizes the comparison of Lincoln Navigator car insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, full coverage, $500 deductibles, single marital status, and no additional discounts are factored in.

Why auto insurance is not optional

Even though it's not necessarily cheap to insure a Lincoln in Fort Collins, insuring your vehicle is required by state law in Colorado and it also provides benefits you may not be aware of.

The benefits of buying enough insurance more than cancel out the cost, especially when you need to use it. According to a recent study, the average American driver overpays more than $865 each year so you should quote and compare rates every year to be sure current rates are still competitive.

Get discounts to get affordable Fort Collins auto insurance rates

Car insurance companies don't always advertise every disount available in an easy-to-find place, so the below list has a few of the more well known and the harder-to-find credits that may apply to you.Save money with discounts

While discounts sound great, it's important to understand that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won't be that lucky.

Some of the larger companies who may offer these discounts possibly include:

If you want affordable Lincoln Navigator insurance quotes, ask each insurance company which discounts they offer. Some discounts might not be offered on policies in your area. To find auto insurance companies offering auto insurance discounts in Fort Collins, follow this link.

Do I need a local insurance agent?

A small number of people just want to talk to an insurance agent and that is OK! An additional benefit of comparing auto insurance online is that drivers can save money and get cheap rate quotes and still have an agent to talk to.

Find insurance agent in Fort CollinsAfter completing this simple form, your insurance coverage information is immediately sent to local insurance agents that give free quotes and help you find cheaper coverage. You don't have to leave your computer because prices are sent to you. You can find the lowest rates without the usual hassles of price shopping. If you want to compare prices for a specific company, feel free to visit that company's website and fill out their quote form.

Picking an insurance company requires more thought than just the price. Get answers to these questions too.

Pick the best auto insurance agent in Fort Collins for you

When researching a local Fort Collins insurance agency, there are two different types of agencies that you can select. Agencies in Fort Collins are classified as either exclusive or independent (non-exclusive).

Exclusive Agents

These agents write business for a single company like Allstate, State Farm and Farmers Insurance. These agents are not able to shop your coverage around so keep that in mind. They are usually well trained on what they offer and that allows them to sell at a higher price point.

Below are exclusive insurance agents in Fort Collins who can help you get rate quotes.

2700 S College Ave Ste 110 - Fort Collins, CO 80525 - (970) 223-7900 - View Map

315 W Magnolia St # 7 - Fort Collins, CO 80521 - (970) 407-0706 - View Map

732 S Lemay Ave b - Fort Collins, CO 80524 - (970) 226-0919 - View Map

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Independent Agents

Independent agents are not restricted to one company so they can write business through lots of different companies depending on which coverage is best. To move your coverage to a new company, they simply switch companies in-house and you don't have to switch agencies.

When shopping rates, you should always include rate quotes from several independent insurance agents so that you can do a thorough price comparison.

Listed below are Fort Collins independent insurance agents that can give you rate quotes.

144 N Mason St # 5 - Fort Collins, CO 80524 - (970) 672-8853 - View Map

4532 E Boardwalk Dr #200 - Fort Collins, CO 80525 - (970) 482-7747 - View Map

525 N Denver Ave - Loveland, CO 80537 - (970) 622-9734 - View Map

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Persistence is the key to cheap rates

We just showed you many ideas to get a better price on Lincoln Navigator insurance in Fort Collins. It's most important to understand that the more you quote Fort Collins auto insurance, the higher the chance of saving money. You may even find the lowest rates are with the least-expected company. They can often provide lower auto insurance rates in certain areas compared to the large companies like Progressive and GEICO.

The cheapest Lincoln Navigator insurance in Fort Collins can be bought online and also from your neighborhood Fort Collins agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not have rates over the internet and usually these small insurance companies only sell coverage through independent agents.

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