Are you researching low-cost Lincoln Navigator insurance in Honolulu? Do you think you bought overpriced Lincoln Navigator insurance in Honolulu? Say no more because there are many people just like you.
Amazingly, a recent NerdWallet.com study showed that most consumers kept their policy with the same company for four years or more, and 38% of drivers have never taken the time to shop around. Many consumers in Honolulu could cut their rates by nearly 40% a year just by shopping around, but most just don't grasp how much they could save if they bought a different policy. Vehicle owners have so many insurers to pick from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare rates for Lincoln Navigator insurance in Honolulu.
It's important to compare rates periodically because prices change frequently. Despite the fact that you may have had the best deal on Lincoln Navigator insurance in Honolulu six months ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you're about to learn the best way to save money, get proper coverage and the best rates.
Best companies for Lincoln Navigator insurance
The providers in the list below are our best choices to provide price comparisons in Hawaii. If multiple companies are shown, we recommend you visit as many as you can to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Navigator L 2WD||$272||$546||$300||$18||$90||$1,226||$102|
|Navigator L 4WD||$230||$378||$264||$16||$80||$968||$81|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium costs do not factor in vehicle location which can impact rates considerably.
Impact of violations and accidents on rates in Honolulu
The information below highlights how traffic violations and fender-benders impact Lincoln Navigator auto insurance rates for different ages of insureds. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Males versus Females
The information below shows the comparison of Lincoln Navigator insurance premiums for male and female drivers. Data assumes no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied.
An analysis of deductible level
The example below shows how choosing a deductible and can change Lincoln Navigator insurance costs for each age group. The rates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
Smart Consumers Save on Insurance
Many things are considered when pricing auto insurance. Some are obvious like an MVR report, but others are more transparent like your continuous coverage or how financially stable you are. A large part of saving on auto insurance is knowing the rating factors that are used to determine your policy premiums. If you know what influences your rates, this enables you to make decisions that can help you get cheaper rates.
The following are some of the things companies use to determine your prices.
Rates impacted by vehicle usage - Driving more miles every year the more it will cost to insure it. Many insurance companies calculate rates based upon how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates than vehicles that are driven to work every day. A policy that improperly rates your Navigator can result in significantly higher rates. It's a smart idea to ensure your auto insurance policy states annual mileage.
Cheaper rates with high deductibles - Physical damage protection, aka comp and collision, insures against damage to your Lincoln. Some instances where coverage would apply would be collision with another vehicle, hitting a deer, and burglary. Physical damage deductibles define how much the insured will be required to pay if a covered claim is submitted. The more money you pay before a claim is paid (deductible), the lower your rates will be.
Save money by having good credit - A driver's credit history is a big factor in determining your rates. Therefore, if your credit score can use some improvement, you may save money insuring your Lincoln Navigator if you improve your credit rating. Consumers who have very high credit ratings tend to be better risks to insure than those with bad credit.
Older drivers pay less - More experienced drivers tend to be more responsible, tend to file fewer claims, and tend to be get fewer driving tickets.Teen drivers are known to be careless and easily distracted with other occupants in the car so they pay higher auto insurance rates.
Poor driving habits means higher prices - How you drive has a big impact on rates. Drivers with clean records have lower premiums compared to bad drivers. Even one citation could increase your next policy renewal by twenty percent. Drivers who have license-revoking violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
Know your vehicle's IIHS safety rating - Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
Discounts for multiple policies - Many insurance companies apply a discount to buyers who consolidate policies with them. It's known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even with this discount applied, it's always a smart idea to compare other Honolulu Navigator insurance rates to verify if the discount is saving money.
Extra coverages push up prices - There are a lot of extra coverages you can purchase if you aren't diligent. Coverage for things like vanishing deductibles, towing, and membership fees are some examples. The coverages may be enticing when talking to your agent, but if you have no use for them eliminate the coverages to reduce your premium.
Lincoln Navigator insurance loss statistics - Car insurance companies use statistical claims data to help calculate premium costs. Vehicles that historically have higher number or severity of losses will have higher rates for specific coverages.
The next table illustrates the collected loss data for Lincoln Navigator vehicles. For each type of coverage, the loss probability for all vehicles averaged together is a value of 100. Numbers below 100 suggest a positive loss record, while numbers above 100 indicate frequent claims or a tendency for claims to be larger.
Car Insurance Loss Data for Lincoln Navigator Models
|Vehicle 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Affordable Honolulu auto insurance quotes with discounts
Some insurance providers don't necessarily list the complete list of policy discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find credits available to you.
- Discount for Low Mileage - Maintaining low annual mileage could earn lower auto insurance rates on the low mileage vehicles.
- ABS and Traction Control Discounts - Cars and trucks with ABS and/or traction control can avoid accidents and qualify for as much as a 10% discount.
- Paperless Signup - Many larger companies will provide an incentive for completing your application on your computer.
- Air Bags and Passive Restraints - Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
- Drivers Ed for Students - Reduce the cost of insurance for teen drivers by having them take driver's ed class in school or through a local driver safety program.
- No Charge for an Accident - Not a discount per se, but companies like Allstate, Progressive, and GEICO will let one accident slide without the usual rate increase if you are claim-free prior to being involved in the accident.
- No Claims - Claim-free drivers can earn big discounts as compared to frequent claim filers.
- Buy New and Save - Buying a new car model can save you some money due to better safety requirements for newer vehicles.
- Senior Citizen Rates - Drivers over the age of 55 may be able to get a small discount on rates.
- Telematics Discount - Drivers who elect to allow their company to study driving habits by using a telematic data system such as In-Drive from State Farm or Allstate's Drivewise system could save a few bucks if their driving habits are good.
One last thing about discounts, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, you're out of luck.
A partial list of companies who may offer some of the above discounts may include but are not limited to:
If you need the cheapest Lincoln Navigator rate quotes, ask each company or agent which discounts you may be entitled to. Some discounts listed above may not apply to policies in Honolulu. If you would like to see a list of companies with significant discounts in Hawaii, click here.
Compare prices but work with a local neighborhood Honolulu car insurance agent
Some people just want to visit with an insurance agent and that is just fine! Good insurance agents are trained to spot inefficiencies and help submit paperwork. An additional benefit of comparing rate quotes online is the fact that drivers can get better rates and still have an agent to talk to. And providing support for local insurance agents is still important in Honolulu.
To find an agent, once you fill out this form (opens in new window), your information is instantly submitted to insurance agents in Honolulu who will give you bids for your coverage. It makes it easy because there is no need to contact any agents because quoted prices will be sent immediately to you. In the event you want to get a comparison quote from one company in particular, don't hesitate to visit that company's website and fill out the quote form the provide.
If you want to buy car insurance from a reputable insurance agent or broker, it's important to understand the different types of agents and how they can write your policy. Agents can either be exclusive or independent agents depending on their company appointments. Either one can sell car insurance policies, but we need to point out how they differ because it may have an impact on the type of agent you choose.
Independent Car Insurance Agencies
Independent insurance agents can sell policies from many different companies so they can write business with an assortment of companies and help determine which has the cheapest rates. If they quote lower rates, your agent can just switch to a different company and that require little work on your part. When comparison shopping, you will want to include rate quotes from independent agents to have the best price comparison.
Shown below is a partial list of independent agents in Honolulu who may be able to give you comparison quotes.
Exclusive Car Insurance Agents
These type of agents can only write with one company like State Farm or Allstate. Exclusive agents cannot compare other company's rates so keep that in mind. Exclusive agents are usually quite knowledgeable on their company's products which helps them sell insurance even at higher premiums.
The following are exclusive agents in Honolulu that are able to give price quotes.
Picking the best auto insurance agent should depend on more than just a cheap quote. You should also get answers to these questions.
- How many companies do they write for?
- Is there a 24/7 contact number?
- If you raise deductibles, how much can you save?
- Does the company have a solid financial rating?
- Does the agency have a current Errors and Omissions policy?
The car insurance bait and switch
Consumers can't ignore all the ads that claim the best auto insurance rates by companies like Allstate and Progressive. All the companies advertise claims that you'll save big if you move your coverage to them.
How does every car insurance company charge you a lower premium? Here is how they do it.
Most companies have an ideal profile for the type of insured that will not have excessive claims. For instance, a profitable risk profile may need to be over the age of 45, has no driving citations, and has a short commute. Any person that hits that "sweet spot" gets the lowest rates and therefore will save money with a new company.
Potential insureds who do not fit the ideal profile will probably have to pay more expensive rates and this can result in the customer buying from a different company. Company advertisements say "customers that switch" not "everybody who quotes" can save as much as they claim. That is how insurance companies can make those statements.
This really drives home the point why drivers should do a price quote comparison at every renewal. It is impossible to guess the company that will fit you best based on your risk profile.
Different people need different auto insurance coverages
Always keep in mind that when comparing proper insurance coverage, there really isn't a one-size-fits-all type of policy. Every insured's situation is different.
For instance, these questions can aid in determining if your situation may require specific advice.
- Do I need higher collision deductibles?
- When can my company non-renew my policy?
- What is roadside assistance coverage?
- Am I covered when driving a rental car?
- What is UM/UIM insurance?
- How can I get the company to pay a claim?
If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It's fast, free and can provide invaluable advice.
Compare. Compare. Compare.
Cost effective Lincoln Navigator insurance can be found both online and also from your neighborhood Honolulu agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer internet price quotes and many times these regional carriers provide coverage only through independent agents.
Insureds leave their current company for many reasons like questionable increases in premium, delays in paying claims, being labeled a high risk driver and policy cancellation. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.
We just showed you quite a bit of information on how to lower your Lincoln Navigator insurance auto insurance rates in Honolulu. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest auto insurance rates are with a small mutual company.
- Vehicle Size and Weight FAQ (iihs.org)
- How Much is Hawaii Car Insurance for State Employees? (FAQ)
- Who Has Cheap Hawaii Car Insurance for a Nissan Altima? (FAQ)
- Who Has Affordable Hawaii Auto Insurance for Unemployed Drivers? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Over Age 70 in Hawaii? (FAQ)
- Auto Insurance 101 (About.com)
- Senior Drivers (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Driving in Bad Weather (Insurance Information Institute)