It’s hard to believe, but the vast majority of insurance customers have been with the same company for well over three years, and about 40% of consumers have never even compared rates from other companies. Consumers in Colorado could save up to $605 a year just by comparing rates, but most just don’t grasp the large savings they would see if they moved their coverage to a different company.
The most effective way to get low-cost Lincoln Navigator insurance in Aurora is to regularly compare quotes from companies in Colorado.
- Read and learn about policy coverages and the things you can change to prevent expensive coverage. Many factors that increase rates such as accidents, traffic violations, and a less-than-favorable credit rating can be rectified by making minor changes to your lifestyle.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive and State Farm, while independent agencies can quote prices from multiple sources.
- Compare the quotes to the premium of your current policy to see if a cheaper price is available in Aurora. If you can save money, ensure there is no coverage lapse between policies.
The most important part of shopping around is to try to use the same level of coverage on each price quote and and to analyze every company you can. This guarantees an accurate price comparison and a better comparison of the market.
Don’t overlook these seven Lincoln Navigator insurance discounts
Buying car insurance is not cheap, but you might find some hidden discounts that can drop the cost substantially. A few discounts will be applied at the time of quoting, but a few must be specifically requested before they will apply.
- Anti-lock Brakes – Vehicles with ABS braking systems or traction control have fewer accidents and earn discounts up to 10%.
- Discounts for Good Drivers – Insureds without accidents can save as much as half off their rates than drivers with accident claims.
- Multi-Vehicle Discounts – Insuring several vehicles with one company can reduce rates for all insured vehicles.
- Multiple Policy Discount – If you can combine your auto and homeowners policy with one insurance company you may earn at least 10% off all policies.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
- Save over 55 – Mature drivers can possibly qualify for a slight reduction on a Aurora car insurance quote.
- Discounts for Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote Aurora car insurance depending on your company.
It’s important to understand that many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The diagram below shows the difference between Lincoln Navigator insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, no claims, a clean driving record, Colorado state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, multi-car, homeowner, and marriage discounts applied.
Large car insurance companies and a selection of discounts are shown below.
- Esurance has discounts for renters, defensive driver, online quote, anti-theft, and multi-policy.
- The Hartford policyholders can earn discounts including defensive driver, bundle, anti-theft, driver training, vehicle fuel type, and good student.
- AAA offers discounts for anti-theft, multi-car, good driver, multi-policy, and pay-in-full.
- GEICO may have discounts that include membership and employees, daytime running lights, five-year accident-free, federal employee, and multi-vehicle.
- State Farm discounts include driver’s education, good driver, defensive driving training, multiple autos, safe vehicle, accident-free, and anti-theft.
Before buying, ask every company the best way to save money. Discounts might not apply in your area.
To get cheaper Aurora car insurance quotes, there a variety of ways of comparing rates from many available insurance companies in Colorado. The easiest way to comparison shop consists of obtaining rate quotes online.
Online shopping is fast and free, and it makes it a waste of time to waste gas driving to different Aurora agent offices. Comparing Lincoln Navigator insurance rates online can eliminate the need for a local agent unless you have a complicated situation and need the advice and guidance only provided by licensed Aurora agents. You can, however, get the lowest quotes online and still use a local agent. When price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting more affordable insurance. Not every company provides online rate quotes, so it’s important to also get prices on coverage from those companies, too.
The companies shown below offer free quotes in Aurora, CO. If you want to find cheap auto insurance in Aurora, CO, we recommend you visit as many as you can in order to find the lowest rates.
Coverage information
The table shown below covers detailed analysis of insurance coverage prices for Lincoln Navigator models. Having knowledge of how rates are determined can be useful when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $294 | $608 | $396 | $24 | $118 | $1,440 | $120 |
| Navigator 4WD | $294 | $608 | $396 | $24 | $118 | $1,440 | $120 |
| Navigator L 2WD | $324 | $608 | $396 | $24 | $118 | $1,470 | $123 |
| Navigator L 4WD | $324 | $608 | $396 | $24 | $118 | $1,470 | $123 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in specific garaging location which can raise or lower premiums considerably.
Higher deductibles save money
One common question asked by Aurora drivers is how high should the deductibles for physical damage be. The rates below may aid in understanding the costs and benefits of buying low and high deductibles. The first rate quote example uses a $250 deductible and the second set of prices uses a $500 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in garaging location in Aurora which can impact premiums greatly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $18 more each month or $216 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 14 months between claims, you would more than likely save some money if you choose a higher deductible. The numbers below show an example of how we made this calculation.
| Average monthly premium for $250 deductibles: | $124 |
| Average monthly premium for $500 deductibles (subtract): | – $106 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One important note is that raising deductibles to save money means you pay more out-of-pocket if you have a claim. You must have some extra funds in the event you need to pay the deductible.
The example below shows how choosing a deductible and can raise or lower Lincoln Navigator insurance prices for each different age group. Data assumes a single female driver, comp and collision included, and no policy discounts are applied.
Impact of careless driving on Aurora car insurance rates
The diagram below demonstrates how traffic citations and at-fault claims can affect Lincoln Navigator insurance rates for each age group. The premiums are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
How much auto insurance do I need?
When quoting and comparing coverage online or from an agent, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you may require specific advice.
- Do I benefit by insuring my home with the same company?
- Does my liability insurance cover pulling a trailer or camper?
- Are rock-chip repairs free?
- Can I afford low physical damage deductibles?
- Should I pay a claim out-of-pocket?
- Is my nanny covered when transporting my kids?
- How can I get my company to pay me more for my totaled car?
- Does insurance cover tools stolen from my truck?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.
When do I need to get advice from an agent?
Many drivers still prefer to get advice from a local agent and doing so can bring peace of mind A nice benefit of comparing insurance prices online is the fact that drivers can get cheap insurance rates and still have a local agent. Putting coverage with local agencies is definitely important in Aurora.
Once you complete this quick form, your insurance coverage information is immediately sent to participating agents in Aurora who will return price quotes for your business. There is no reason to find an agent on your own because quoted prices will be sent to your email. You can find lower rates and an insurance agent to talk to. If you wish to get a comparison quote from one company in particular, don’t hesitate to search and find their rate quote page and submit a quote form there.
Two different types of car insurance agents
If you want a good Aurora insurance agent, it’s helpful to know the different types of agencies that you can select. Insurance agencies in Aurora may be either independent or exclusive depending on the company they work for.
Independent Agencies or Brokers
Independent agencies often have affiliation with several companies and that allows them to write policies with lots of companies enabling the ability to shop coverage around. If you want to switch companies, your agent can switch companies which requires no work on your part.
When comparing insurance rates, you need to get several quotes from at a minimum one independent agency to ensure the widest selection of prices.
Below is a short list of independent agents in Aurora that may be able to give you comparison quotes.
ALINK Insurance Services
3033 S Parker Rd #120 – Aurora, CO 80014 – (303) 752-6479 – View Map
Dickson Insurance Agency
4093 S Olathe Ct – Aurora, CO 80013 – (303) 693-1936 – View Map
A Complete Auto Insurance Agency
543 Sable Blvd – Aurora, CO 80011 – (303) 650-0060 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only place business with one company and some examples include American Family, State Farm, and AAA. Exclusive agents cannot place coverage with different providers so keep that in mind. Exclusive insurance agents are trained well on their company’s products which helps them sell on service rather than price.
Shown below are exclusive agents in Aurora that are able to give rate quotes.
Stan Kellogg – State Farm Insurance Agent
15434 E Orchard Rd – Aurora, CO 80016 – (303) 699-2288 – View Map
American Family Insurance – Denise M. Franklyn
13768 E Quincy Ave – Aurora, CO 80015 – (303) 693-8968 – View Map
Mark Vissering – State Farm Insurance Agent
1852 S Havana St – Aurora, CO 80012 – (303) 745-0034 – View Map
Choosing the best car insurance agent requires more thought than just a cheap quote. Get answers to these questions too.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How many years have they been established?
- Are they properly licensed to sell insurance in Colorado?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do the companies they represent have a solid financial rating?
Once you have received satisfactory answers for all questions you ask and locked in a price quote, chances are good that you have found a car insurance agent that is reputable and can adequately provide insurance.
Three good reasons to insure your Lincoln vehicle
Despite the potentially high cost of Lincoln Navigator insurance, maintaining insurance serves a purpose in several ways.
- The majority of states have minimum liability requirements which means state laws require a minimum amount of liability insurance coverage if you drive a vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a lien on your Lincoln Navigator, most lenders will require that you buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Lincoln for a much higher rate and require you to pay the higher premium.
- Insurance safeguards not only your Lincoln Navigator but also your assets. It also can pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having auto insurance definitely exceed the price paid, especially with large liability claims. The average driver in Colorado is overpaying more than $820 a year so compare rate quotes at every policy renewal to make sure the price is not too high.
Coverage specifics
Having a good grasp of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for bills like X-ray expenses, pain medications, doctor visits and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Comprehensive coverages
This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as damage from getting keyed, rock chips in glass, hail damage and falling objects. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision protection
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims like crashing into a ditch, backing into a parked car, sideswiping another vehicle, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible on your Navigator to get cheaper collision coverage.
Auto liability
Liability coverage can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/15 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.
Liability coverage pays for claims like medical services, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible. Colorado state minimum liability requirements are 25/50/15 but it’s recommended drivers buy better liability coverage.
The illustration below shows why buying low liability limits may not be adequate.
Uninsured and underinsured coverage
This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Lincoln Navigator.
Since a lot of drivers only purchase the least amount of liability that is required (which is 25/50/15), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.
In the end, you can save money
Low-cost Lincoln Navigator insurance in Aurora is available on the web and also from your neighborhood Aurora agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer the ability to get quotes online and usually these smaller providers only sell coverage through independent agencies.
We just showed you some good ideas how to find affordable Lincoln Navigator insurance in Aurora. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable Aurora car insurance quotes. You may even find the most savings is with some of the smallest insurance companies. Some small companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Progressive or GEICO.
To read more, take a look at the articles below:
- Collision Insurance Coverage (Nationwide)
- How Much are Aurora Auto Insurance Rates for 19 Year Olds? (FAQ)
- Who Has the Cheapest Aurora Car Insurance Rates for Police Officers? (FAQ)
- What Car Insurance is Cheapest for a Toyota Tacoma in Aurora? (FAQ)
- How Much is Car Insurance for Drivers Over Age 60 in Aurora? (FAQ)
- How Much is Aurora Auto Insurance for Hybrid Vehicles? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Distracted Driving (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)