Insurance quote for Lincoln Navigator in AuroraAre you looking for a better way to compare more competitive Lincoln Navigator insurance in Aurora? Have you finally had enough of not being able to afford to pay your insurance bill each month? You are no different than millions of other drivers.

Unimaginable but true, about 70% of customers kept their coverage with the same insurance company for at least the last four years, and nearly half have never shopped around. Many drivers in Aurora could save 35% a year just by comparing rates, but they don't know how much money they would save if they replace their high priced policy. Since you have so many companies to choose from that have cheap insurance for a Lincoln Navigator in Aurora, it's nearly impossible to find a lower cost insurance company.

The most recommended method to get policy rate comparisons for Lincoln Navigator insurance in Aurora is to take advantage of the fact most larger insurance companies provide online access to compare rate quotes. To get started, all you need to do is give them some information such as what you do for a living, distance driven, coverage limits, and the year, make and model of vehicles. Your information is then submitted to many of the top insurers and they return quotes very quickly.

If you would like to start a quote now, click here and enter the information requested.

The companies in the list below have been selected to offer free rate quotes in Aurora, CO. If multiple companies are shown, it's a good idea that you click on several of them in order to get a fair rate comparison.

Lincoln Navigator Insurance Cost Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $216 $426 $338 $20 $100 $1,100 $92
Navigator 4WD $292 $614 $330 $20 $98 $1,354 $113
Navigator L 2WD $300 $576 $426 $26 $128 $1,456 $121
Navigator L 4WD $264 $516 $396 $24 $118 $1,318 $110
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in garaging location in Aurora which can decrease or increase premiums substantially.

Illustration showing the impact of accidents and violations

The illustration below shows how violations and accidents can influence Lincoln Navigator insurance costs for each age group. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Should you raise deductibles?

A question often asked by Aurora drivers is how high should your deductibles be. The tables below approximate the differences in premium rates when you buy lower versus higher coverage deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Lincoln Navigator insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $342 $620 $352 $20 $106 $1,465 $122
Navigator 4WD $342 $620 $352 $20 $106 $1,465 $122
Navigator L 2WD $376 $620 $352 $20 $106 $1,499 $125
Navigator L 4WD $376 $620 $352 $20 $106 $1,499 $125
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Lincoln Navigator insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $278 $500 $352 $20 $106 $1,256 $105
Navigator 4WD $278 $500 $352 $20 $106 $1,256 $105
Navigator L 2WD $306 $500 $352 $20 $106 $1,284 $107
Navigator L 4WD $306 $500 $352 $20 $106 $1,284 $107
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in specific zip code location which can modify insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $18 more each month or $216 a year than buying the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 14 months between claim filings, you would probably save some money if you choose the higher deductible.

Cost comparison with and without full coverage

The illustration below illustrates the comparison of Lincoln Navigator annual premium costs with liability coverage only compared to full coverage. The data assumes no violations or accidents, $1,000 deductibles, married female driver, and no additional discounts are factored in.

When to eliminate full coverage

There is no definitive guideline to exclude full coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Lincoln Navigator settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying the physical damage deductible. If premiums are more than $400 annually to have full coverage, then you may want to consider only buying liability coverage.

There are some situations where only buying liability is not advised. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Lower your auto insurance rates with discounts

Companies offering auto insurance don't always publicize the entire discount list very well, so the list below contains some of the best known and also the lesser-known credits that you can use to lower your rates. If you do not check that you are getting every discount you deserve, you may be paying too high a price.Save money with discounts

It's important to note that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, auto insurance companies aren't that generous.

To see companies who offer discounts in Aurora, click here.

Three reasons to insure your Lincoln Navigator

Despite the high cost of buying insurance for a Lincoln Navigator in Aurora, maintaining insurance serves several important purposes.

The benefits of carrying adequate insurance more than cancel out the cost, especially if you ever need it. As of last year, the average driver in Colorado is currently overpaying as much as $825 a year so compare rates at every renewal to be sure current rates are still competitive.

Compare prices but still have a local Aurora insurance agent

A lot of people would rather talk to an insurance agent and there is nothing wrong with that. Agents are trained risk managers and help you file claims. A good thing about comparing car insurance online is the fact that you can find the lowest rates and also buy local. And supporting small agencies is definitely important in Aurora.

Aurora insurance agentsAfter filling out this quick form, your insurance coverage information is instantly submitted to local insurance agents in Aurora that can provide free Aurora car insurance quotes for your business. It makes it easy because there is no need to search for an agent as quotes are delivered straight to your inbox. If you wish to quote rates from a particular provider, feel free to visit that company's website and give them your coverage information.

Exclusive agents vs. Independent agents

If you prefer to buy car insurance from a good Aurora insurance agent, it can be helpful to understand the different types of agents to choose from. Agents are classified as either independent (non-exclusive) or exclusive. Both types of agents can provide car insurance policies, but it's worth learning why they differ because it can influence your agent selection.

Independent Car Insurance Agencies or Brokers

These agents do not have single company limitations and that is an advantage because they can write policies through many companies and find the cheapest car insurance rates. To transfer your coverage to a different company, they simply switch companies in-house and that require little work on your part.

If you need cheaper car insurance rates, you will definitely want to include price quotes from several independent agencies to maximize your price options.

The following are independent agents in Aurora that may be able to give competitive price quotes.

1080 S Sable Blvd - Aurora, CO 80012 - (303) 344-2886 - View Map

Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr - Aurora, CO 80014 - (303) 577-9998 - View Map

4093 S Olathe Ct - Aurora, CO 80013 - (303) 693-1936 - View Map

More Aurora agents

Exclusive Car Insurance Agents

Agents that elect to be exclusive have only one company to place business with such as Farmers Insurance, Allstate, or State Farm. These agents are not able to provide rate quotes from other companies so they have no alternatives for high prices. They are well schooled on what they offer which helps them sell on service rather than price.

Listed below are exclusive agencies in Aurora who can help you get comparison quotes.

1730 S Abilene St # I-201 - Aurora, CO 80012 - (303) 873-1277 - View Map

13750 E Rice Pl Ste 101 - Aurora, CO 80015 - (303) 680-6666 - View Map

6820 S Liverpool St d - Aurora, CO 80016 - (303) 676-8071 - View Map

More Aurora agents

Finding the right car insurance agent requires you to look at more than just a low price. These are valid questions to ask:

If you receive reasonable responses to all your questions and an acceptable price quote, it's possible that you found an auto insurance agent that meets the requirements to properly insure your vehicles. Just remember you can cancel a policy whenever you wish so never assume you're contractually obligated to a specific company for the entire policy term.