If you're shopping for cheaper insurance online, are you overwhelmed by the crazy number of auto insurance companies that you can choose from? You're not alone. You have such a large number of options that it can easily turn into a real difficult job to find the lowest price for Lincoln Navigator insurance in Denver. Everyone knows that Denver is a good city to live in, but the high premiums for auto insurance can make it hard to purchase enough protection.

Insurance quote for Lincoln Navigator in DenverIt's hard to fathom, but the vast majority of Colorado auto insurance customers have been with the same company for over three years, and roughly 40% of drivers have never compared rate quotes at all. With the average auto insurance premium being $1,847, American drivers could save themselves $860 a year by just comparing rate quotes, but they just don't understand how much money they would save if they switch to a new company.

It's important to check auto insurance prices periodically because auto insurance prices change frequently. Despite the fact that you may have had the lowest quotes on Lincoln Navigator insurance in Denver on your last policy other companies may now be cheaper. There is a lot of bad advice regarding Navigator insurance online, but by reading this article, you're going to learn the best ways to find affordable auto insurance in Denver.

Do you qualify for discounts on Lincoln Navigator insurance in Denver?

Insuring your vehicles can cost a lot, but there's a good chance there are discounts that could help you make your next renewal payment. Some of these discounts will be visible at quote time, but lesser-known reductions have to be specifically requested prior to receiving the credit. If you do not check that you are getting every discount possible, you could be paying more than you need to.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

Companies and a partial list of their discounts are shown below.

Before you buy a policy, ask each company or agent how many discounts you can get. A few discounts might not be offered on policies in your area. To see a list of insurers that offer multiple discounts in Colorado, click here to view.

When quoting insurance, remember that more quotes will increase your chances of finding a lower rate.

The companies shown below can provide comparison quotes in Colorado. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.

Lincoln Navigator Insurance Price Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $294 $608 $396 $24 $118 $1,440 $120
Navigator 4WD $326 $726 $396 $24 $118 $1,590 $133
Navigator L 2WD $360 $726 $396 $24 $118 $1,624 $135
Navigator L 4WD $200 $402 $396 $24 $118 $1,140 $95
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Information does not factor in zip code location which can change prices considerably.

Men versus women drivers and insurance cost

The chart below shows the difference between Lincoln Navigator premium costs for male and female drivers. The data is based on no tickets, no at-fault accidents, full coverage, $100 deductibles, drivers are single, and no discounts are applied.

Policy deductibles

The illustration below shows how choosing a deductible and can raise or lower Lincoln Navigator insurance prices for different age groups of insureds. The rates are based on a single female driver, comp and collision included, and no additional discounts are factored in.

Seven factors that affect insurance costs

A large part of saving on auto insurance is knowing the rating factors that are used to determine the rates you pay for auto insurance. If you understand what determines premiums, this enables informed choices that may reward you with much lower annual insurance costs. Many factors are part of the equation when premium rates are determined. Most are fairly basic such as your driving record, but others are more obscure like your vehicle usage or your vehicle rating.

The items below are some of the things auto insurance companies consider when setting prices.

Safer occupants lowers rates - Vehicles with good safety scores tend to have better insurance rates. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and lower rates for you.

Employer impacts prices - Did you know your auto insurance rates can be affected by your occupation? Occupational choices like military generals, social workers and accountants have the highest average rates in part from high stress and incredibly demanding work hours. Conversely, occupations such as actors, students and performers get better rates.

Companies want multiple policies - Lots of companies apply discounts for people who consolidate policies with them such as combining an auto and homeowners policy. Even if you already get this discount, you may still want to compare Lincoln Navigator rates in Denver to guarantee you are still saving the most. Consumers may find better rates by splitting coverages up.

Women tend to cost less - The statistics show women tend to be less risk to insure than men. This data doesn't prove that women are better drivers. Men and women get in at-fault accidents in similar numbers, but men tend to have higher claims. They also get ticketed for serious violations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents so they pay the highest premiums.

Careless drivers pay higher prices - A bad driving record has a huge affect on how much you pay. Even a single citation can bump up the cost substantially. Careful drivers tend to pay less for car insurance than their less careful counterparts. People who have serious violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to prove financial responsibility with their state's department of motor vehicles in order to legally drive.

Insurance is expensive for teen drivers - Older drivers are shown to be more cautious, tend to file fewer claims, and are safer drivers.Beginning drivers have a tendency to be easily distracted when driving with friends so auto insurance rates are higher.

Liability insurance - A critical coverage on your policy, liability insurance provides coverage when you are responsible for an accident. Your policy's liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.

Lincoln Navigator insurance loss statistics - Companies factor in historical loss data to help determine the rate you pay. Vehicles that historically have higher claim frequency or loss amount will have a higher cost to insure.

The next table illustrates the compiled insurance loss statistics for Lincoln Navigator vehicles. For each policy coverage, the claim probability for all vehicles as a whole is a value of 100. Percentages below 100 imply a favorable loss record, while percentage values above 100 indicate more frequent losses or tendency to have higher losses.

Lincoln Navigator Insurance Claim Statistics

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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Compare rates but buy from a local Denver insurance agency

Some people would rather talk to an insurance agent and doing so can bring peace of mind An additional benefit of comparing rates online is you may find the lowest rates and still have a local agent.

Denver insurance agentsTo find an agent, once you fill out this short form, the coverage information is sent to agents in your area that can give you free Denver auto insurance quotes to get your business. It's much easier because you don't need to find an agent because prices are sent directly to your email. You can find the lowest rates and a licensed agent to talk to. If you have a need to quote rates from a particular provider, don't hesitate to visit that company's website and submit a quote form there.

Picking an insurer shouldn't rely on just a cheap price. Any good agent in Denver should know the answers to these questions.

Listed below is a short list of insurers in Denver who can help you get price quote information for Lincoln Navigator insurance in Denver.

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Three good reasons to insure your Lincoln vehicle

Despite the potentially high cost of Lincoln Navigator insurance, maintaining insurance is required for several reasons.

The benefits of carrying enough insurance more than offset the price you pay, especially with large liability claims. The average driver in Colorado is currently overpaying as much as $865 each year so compare rate quotes at every renewal to help ensure money is not being wasted.

Persistence is the key to affordable rates

We just showed you a lot of techniques to lower your Lincoln Navigator insurance rates in Denver. The key thing to remember is the more times you quote, the better your chances of lowering your car insurance rates. Consumers may even find the biggest savings come from the least-expected company.

Lower-priced auto insurance in Denver is attainable on the web and from local insurance agents, and you should compare price quotes from both to have the best selection. Some companies may not provide online price quotes and usually these small, regional companies prefer to sell through independent agents.

People switch companies for a variety of reasons including questionable increases in premium, unfair underwriting practices, poor customer service and even denial of a claim. It doesn't matter what your reason, finding a great new company can be pretty painless.

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