It’s easy to assume that insurance companies want to keep you from shopping around. Drivers who rate shop once a year will, in all likelihood, switch companies because there are good odds of finding a policy with more affordable rates. A recent insurance study revealed that drivers who did price comparisons regularly saved as much as $865 annually compared to people who never compared prices.
If finding the lowest price for car insurance is the reason you’re here, then having some knowledge of the best way to shop and compare insurance premiums can help you succeed in saving money.
The best way to find affordable quotes for Lincoln Navigator insurance in Boston is to start doing an annual price comparison from companies who provide car insurance in Massachusetts.
- Read about how your policy works and the changes you can make to drop your rates. Many policy risk factors that cause high rates such as distracted driving and a less-than-favorable credit score can be remedied by paying attention to minor details.
- Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide prices from multiple insurance companies.
- Compare the new rate quotes to your existing policy to see if you can save by switching companies. If you can save money and decide to switch, make sure there is no lapse in coverage.
- Provide adequate notice to your current company to cancel your current auto insurance policy. Submit the completed application along with a down payment to your new insurance company. As soon as you can, place your new proof of insurance paperwork in your vehicle.
The key thing to remember is to make sure you enter similar limits and deductibles on each price quote and and to analyze as many companies as possible. Doing this guarantees a fair price comparison and a complete rate analysis.
Our goal in writing this article tell you how auto insurance companies operate and also pocket some savings If you have a policy now, you will definitely be able to save money using this information. Shoppers just have to know the tricks to compare rate quotes from multiple carriers.
Free Boston Lincoln Navigator insurance rate quotes
Most companies like State Farm and Allstate give coverage prices from their websites. This process can be done by anyone as you just enter your personal and coverage information into a form. Behind the scenes, the company’s rating system makes automated requests for your driving record and credit report and provides a quote based on many factors.
This streamlines rate comparisons, and it’s necessary to perform this step in order to get lower-cost insurance pricing.
To use this form to compare rates, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you copy the limits and deductibles identical to your current policy. This ensures you will get an apples-to-apples comparison based on similar coverages.
The car insurance companies shown below can provide price comparisons in Massachusetts. To get cheap car insurance in Boston, MA, it’s highly recommended you visit several of them to get the most competitive price.
Lincoln Navigator insurance statistics and information
The coverage table shown below highlights different coverage prices for Lincoln Navigator models. Learning as much as possible about how insurance prices are figured can be of help when making decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Navigator L 2WD||$250||$490||$378||$22||$114||$1,254||$105|
|Navigator L 4WD||$250||$490||$378||$22||$114||$1,254||$105|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in vehicle garaging location which can revise coverage prices greatly.
The diagram below highlights how deductible choice and can change Lincoln Navigator insurance costs for different ages of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Male drivers compared to female drivers in Boston
The example below visualizes the comparison of Lincoln Navigator insurance costs for male and female drivers. The rates are based on no claims or violations, full coverage, $500 deductibles, drivers are not married, and no discounts are factored in.
How much more does full coverage cost?
The diagram below illustrates the comparison of Lincoln Navigator insurance costs with full physical damage coverage and with liability coverage only. Data assumes a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are factored in.
When to eliminate full coverage
There is no exact rule of when to eliminate full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Lincoln Navigator replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after the deductible is paid. If you are paying in excess of $500 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
How do I know if I need professional advice?
Keep in mind that when it comes to choosing adequate coverage, there really isn’t a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.
For example, these questions can help discover whether or not you might need an agent’s assistance.
- Is business equipment covered while in my vehicle?
- What exactly is covered by my policy?
- Am I covered if I crash into my own garage door?
- Should I buy additional glass protection?
- Am I covered while delivering pizza?
- How do I file an SR-22 for a DUI in Massachusetts?
- Should I have combined single limit or split liability limits?
- Where can I find DUI or SR-22 insurance?
- Why am I required to buy high-risk coverage?
If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
What if I want to buy from local Boston insurance agencies?
A lot of people prefer to buy from a licensed agent and doing that can be a smart decision Agents can make sure you are properly covered and give you someone to call. A nice benefit of getting free rate quotes online is that drivers can save money and get the best rates and still choose a local agent. Buying from local insurance agencies is important particularly in Boston.
By using this form (opens in new window), the coverage information gets sent to insurance agents in Boston who want to provide quotes and help you find cheaper coverage. You don’t have to search for an agent due to the fact that quote results will go to the email address you provide. If you want to get a rate quote from a specific insurance company, you can always visit that company’s website and fill out the quote form the provide.
Car insurance agents in Boston come in two varieties
If you want to buy auto insurance from a local Boston insurance agency, it’s important to understand the types of insurance agents and how they differ in how they can insure your vehicles. Auto insurance agents in Boston may be either exclusive or independent agents depending on their company appointments. Either one can write auto insurance policies, but it’s a good idea to understand how they are different since it can impact the selection process.
Independent Auto Insurance Agencies
Independent insurance agents do not have single company limitations and that gives them the ability to insure with any number of different companies and find the cheapest rate. If premiums increase, your policy is moved internally and you don’t have to find a new agent. When comparing rates, you need to get some free quotes from several independent insurance agents to maximize your price options. A lot of them also have access to different regional companies which can be an advantage.
Shown below are Boston independent insurance agents who can help you get price quote information.
- Kaplansky Insurance
114 Harvard St – Brookline, MA 02446 – (617) 738-5400 – View Map
- Pilgrim Insurance Co
695 Atlantic Ave – Boston, MA 02111 – (617) 956-6000 – View Map
- Arbella Insurance
120 Middlesex Ave – Somerville, MA 02145 – (617) 666-0222 – View Map
Exclusive insurance agents normally can only provide a single company’s rates such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive agencies are highly trained in insurance sales and that allows them to sell at a higher price point. Drivers often buy from the same agent for years mostly because of loyalty to the company and solid financial strength.
Shown below is a list of exclusive agencies in Boston who can help you get rate quotes.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Picking the best auto insurance agent is decision based upon more than just a low price. These are some questions you should get answers to.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are aftermarket or OEM parts used to repair vehicles?
- What insurance company do they write the most business with?
- How much can you save by raising your physical damage deductibles?
- Are they actively involved in the community?
After you get good answers to these questions and the cheapest Lincoln Navigator insurance in Boston quotes, you may have just found an auto insurance agent that is reliable enough to provide auto insurance coverage.