Insurance rates Lincoln Navigator in ColumbiaSaving money on Lincoln Navigator insurance in Columbia may be nearly impossible for drivers not familiar with quoting and comparing prices online. People have so many options available that it can turn into a difficult mission to compare coverage rates on Lincoln Navigator insurance.

It's shocking but most auto insurance policyholders in South Carolina have purchased from the same company for at least four years, and nearly the majority have never even compared rates from other companies. Most drivers in America could save an average of as much as 46.5% each year by just comparing quotes, but they feel it's too difficult to shop around.

Low-cost Lincoln insurance prices in Columbia

The companies in the list below are our best choices to provide price quotes in South Carolina. If multiple providers are shown, it's highly recommended you compare several of them to get the most competitive price.

Lincoln Navigator Insurance Rates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $308 $486 $448 $26 $134 $1,402 $117
Navigator 4WD $420 $720 $448 $26 $134 $1,748 $146
Navigator L 2WD $314 $590 $358 $22 $108 $1,392 $116
Navigator L 4WD $288 $476 $348 $20 $104 $1,236 $103
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in specific garaging location which can revise premiums significantly.

Policy deductible comparison

The chart below highlights how deductible choice and can impact Lincoln Navigator premium costs for different age groups. The costs are based on a single male driver, full coverage, and no discounts are taken into consideration.

Auto insurance premiums based on gender

The diagram below illustrates the comparison of Lincoln Navigator auto insurance rates for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, single marital status, and no discounts are factored in.

Policy deductibles

One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The rates shown below determine the rate difference when you buy lower versus higher physical damage coverage deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Lincoln Navigator insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $332 $602 $342 $20 $102 $1,423 $119
Navigator 4WD $332 $602 $342 $20 $102 $1,423 $119
Navigator L 2WD $366 $602 $342 $20 $102 $1,457 $121
Navigator L 4WD $366 $602 $342 $20 $102 $1,457 $121
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Lincoln Navigator insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $270 $486 $342 $20 $102 $1,220 $102
Navigator 4WD $270 $486 $342 $20 $102 $1,220 $102
Navigator L 2WD $298 $486 $342 $20 $102 $1,248 $104
Navigator L 4WD $298 $486 $342 $20 $102 $1,248 $104
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in specific garaging location which can impact coverage rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $17 more each month or $204 a year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 15 months between claim filings, you would probably save some money if you elect the higher deductible.

Cheaper Lincoln Navigator insurance in Columbia

Car insurance can cost a lot, but there's a good chance there are discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you complete an application, but a few must be asked about prior to receiving the credit.Car insurance discounts

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

A list of companies and their offered discounts are outlined below.

Double check with each company or agent which discounts can lower your rates. Some discounts listed above may not apply in every state.

Lincoln Navigator Insurance Rate Factors

Many factors are taken into consideration when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are not as apparent such as your credit history or how financially stable you are. A large part of saving on auto insurance is knowing the different types of things that help calculate your policy premiums. If you know what determines premiums, this empowers consumers to make smart changes that may reward you with lower auto insurance prices.

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

It's not one size fits all

When quoting and comparing adequate coverage, there is no cookie cutter policy. Every situation is different and your policy should reflect that.Safe vehicles cost less to insure For instance, these questions can help discover if your insurance needs will benefit from professional help.

If you're not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Getting quotes from local Columbia auto insurance agents

Many drivers still like to get professional advice from a licensed agent and that is a personal choice. One of the best bonuses of comparing rate quotes online is that you can obtain lower car insurance rates and also buy local.

Find insurance agent in ColumbiaAfter filling out this short form, the coverage information is instantly submitted to local insurance agents who will return price quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to find an agent as quotes are delivered to you. Get lower rates and a licensed agent to talk to. If you need to quote rates from one company in particular, just navigate to their website and submit a quote form there.

Picking an insurance company is decision based upon more than just a cheap quote. Agents should be asked these questions:

Pick the best auto insurance agent in Columbia for you

If you would like to find a local Columbia insurance agency, you need to know there are two types of insurance agents and how they are slightly different. Auto insurance agents are either exclusive or independent.

Exclusive Auto Insurance Agencies

Exclusive agents can only provide one company's prices and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agents receive extensive training in insurance sales and that enables them to sell even at higher rates. Some people will only choose to use a exclusive agent mainly due to loyalty to the company rather than low rates.

The following are exclusive agencies in Columbia that can give you price quote information.

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Independent Auto Insurance Agents

Independent agencies are not limited to a single company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, they can switch companies in-house without you having to go to a different agency. If you are comparing auto insurance prices, it's a good idea to get insurance quotes from multiple independent agents to have the most options to choose from. Many write coverage with small regional insurance companies which can be an advantage.

Listed below is a list of independent insurance agencies in Columbia willing to provide price quote information.

View more Columbia agents

Don't listen to company ads

Popular car insurance providers such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. All the companies advertise claims that you'll save big just by moving your coverage. How can each company make the same claim?

Companies are able to cherry pick for the type of customer that will be a good risk. An example of this type of insured could possibly be between the ages of 40 and 55, has no prior claims, and has a short commute. Anybody who fits that profile receive the lowest rate quotes in Columbia and will probably save a lot of money.

Consumers who are not a match for this ideal profile will get higher rates which leads to the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save money. That is how companies can truthfully advertise the savings. This really illustrates why you need to get price quotes at each policy renewal. It's impossible to know with any certainty which company will have the best prices at this point in time.

Final considerations

We've covered a lot of tips how to reduce Lincoln Navigator insurance prices online in Columbia. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even find the best prices are with the least-expected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

The cheapest Lincoln Navigator insurance in Columbia is possible from both online companies as well as from independent agents in Columbia, and you should be comparing both to get a complete price analysis. Some insurance providers may not have online rate quotes and usually these smaller companies sell through local independent agencies.

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