Are you tired of trying to find the cheapest Lincoln Navigator insurance in Portland? Paying for high-priced Lincoln Navigator insurance in Portland can take a big chunk out of your funds and maybe even restrict other spending.
It’s an obvious assumption that insurance companies want to keep your business as long as possible. Insureds who shop around will probably switch auto insurance companies because there is a high probability of finding discount prices. A survey found that consumers who regularly shopped around saved $3,500 over four years compared to drivers who never shopped around for lower prices.
If saving the most money on Lincoln Navigator insurance is your intention, then learning about how to quote and compare insurance rates can make it easier to find better rates.
Because there are so many choices for buying affordable insurance for a Lincoln Navigator in Portland, it can be challenging to choose the most affordable auto insurance provider.
It’s important to know that more quotes increases your odds of finding a lower rate.
The following companies can provide comparison quotes in Oregon. To get the best auto insurance in Oregon, we recommend you visit two to three different companies to get the best price comparison.
Premium rates and analysis
The premium table displayed below covers different insurance costs for Lincoln Navigator models. Understanding how auto insurance policy rates are figured can benefit drivers when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $240 | $468 | $300 | $18 | $90 | $1,116 | $93 |
| Navigator 4WD | $240 | $468 | $300 | $18 | $90 | $1,116 | $93 |
| Navigator L 2WD | $264 | $468 | $300 | $18 | $90 | $1,140 | $95 |
| Navigator L 4WD | $264 | $468 | $300 | $18 | $90 | $1,140 | $95 |
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate information does not factor in vehicle location which can impact auto insurance rates considerably.
Higher deductibles lower rates
One of the most common car insurance questions is how high or low should comp and collision deductibles be. The following insurance rates summarize how much more rates are when you select higher and lower coverage deductibles. The first set of prices uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $346 | $674 | $320 | $18 | $96 | $1,479 | $123 |
| Navigator 4WD | $346 | $674 | $320 | $18 | $96 | $1,479 | $123 |
| Navigator L 2WD | $382 | $674 | $320 | $18 | $96 | $1,515 | $126 |
| Navigator L 4WD | $382 | $674 | $320 | $18 | $96 | $1,515 | $126 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $192 | $356 | $320 | $18 | $96 | $982 | $82 |
| Navigator 4WD | $192 | $356 | $320 | $18 | $96 | $982 | $82 |
| Navigator L 2WD | $212 | $356 | $320 | $18 | $96 | $1,002 | $84 |
| Navigator L 4WD | $212 | $356 | $320 | $18 | $96 | $1,002 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Prices do not factor in zip code location which can decrease or increase price quotes substantially.
Based on these figures, using a $100 deductible costs approximately $42 more each month or $504 every year than opting for the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 21 months between claim filings, you would most likely save money if you choose the higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $125 |
| Average monthly premium for $1,000 deductibles (subtract): | – $83 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One big caveat is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a physical damage claim. You will want to have enough money in the bank in the event you need to pay more for the deductible.
Gender differences in car insurance premiums
The illustration below shows the comparison of Lincoln Navigator insurance rates for male and female drivers. The data assumes no claims, a clean driving record, comp and collision included, $500 deductibles, marital status is single, and no discounts are factored in.
Comparison of full coverage and liability-only policies
The chart below illustrates the comparison of Lincoln Navigator auto insurance costs with full coverage and liability only. The prices are based on no violations or accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
When to drop full coverage
There isn’t a steadfast formula to stop buying comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s assume your Lincoln Navigator settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for physical damage coverage, then it could be time to drop full coverage.
There are some circumstances where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should maintain full coverage.
Why auto insurance is not optional
Even though Portland Navigator insurance rates can get expensive, auto insurance serves an important purpose.
- Almost all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability coverage in order to license the vehicle. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you took out a loan on your Lincoln Navigator, almost every bank will force you to carry insurance to guarantee their interest in the vehicle. If you default on your policy, the bank will be required to insure your Lincoln at a much higher rate and make you pay for the much more expensive policy.
- Insurance safeguards both your Lincoln and your assets. Insurance will pay for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If you have damage to your Lincoln as the result of the weather or an accident, your auto insurance policy will pay to have it repaired.
The benefits of insuring your Navigator more than cancel out the cost, particularly if you ever have a claim. The average driver in Oregon is wasting up to $855 a year so you should quote and compare rates once a year at a minimum to ensure rates are inline.
Learn How to Get Auto Insurance More Affordably
When buying auto insurance it’s important to understand some of the factors that help calculate the price you pay for auto insurance. When consumers understand what controls the rates you pay, this enables you to make decisions that could help you find lower auto insurance prices.
- Deter car thieves – Selecting a car model that has a built-in theft deterrent system can get you a discount on your auto insurance. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
- Does your occupation raise your rates? – Occupations such as real estate brokers, social workers, and medical professionals generally have higher premiums than the average policyholder because of stressful work requirements and incredibly demanding work hours. On the flip side, careers like farmers, students and performers have the lowest average rates.
- Big cities have higher prices – Living in less populated areas of the country has definite advantages when talking about auto insurance. Drivers who live in large cities tend to have more aggressive driving styles and higher rates of accident claims. Fewer people means less chance of accidents as well as less vandalism and auto theft.
- Reduce premiums by driving vehicles with better crash test results – Cars with high safety ratings are cheaper to insure. Safer cars help reduce the chance of injuries in an accident and fewer serious injuries means your insurance company pays less which can mean better rates for you. If your Lincoln earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
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Lincoln Navigator insurance loss probability – Insurance companies use data from past claims when setting rates for each model. Models that tend to have higher number or severity of losses will be charged more to insure. The next table illustrates the historical loss data for Lincoln Navigator vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Values that are under 100 suggest losses that are better than average, while percentage numbers above 100 indicate higher probability of having a loss or larger claims.
Insurance Loss Ratings for Lincoln Navigator Vehicles Specific Lincoln 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Don’t neglect these premium slashing discounts
Car insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that may help make it more affordable. Certain credits will be shown when you get a quote, but a few need to be asked about prior to getting the savings. If you’re not getting every credit you qualify for, you could be saving more on your car insurance.
- Accident-Free Discounts – Insureds with no claims or accidents pay less in comparison with policyholders that have many claims.
- Military Discounts – Being deployed with a military unit may lower your car insurance rates slightly.
- New Car Discount – Putting insurance coverage on a new Navigator may earn a small discount since new vehicles are generally safer.
- Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up before driving could save 15% off the PIP or medical payment premium.
- Professional Memberships – Joining a qualifying organization could earn you a nice discount on your next renewal.
Please keep in mind that many deductions do not apply to the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky.
The information below visualizes the comparison of Lincoln Navigator premium costs with and without discounts applied to the policy rates. The data assumes a female driver, no claims or driving citations, Oregon state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, marriage, claim-free, and multi-policy discounts applied.
A few of the larger companies and the discounts they provide are:
- State Farm offers premium reductions for Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, accident-free, good driver, and anti-theft.
- Liberty Mutual has savings for multi-car, preferred payment discount, new vehicle discount, newly retired, and new move discount.
- American Family offers discounts including good driver, defensive driver, multi-vehicle, Steer into Savings, TimeAway discount, and accident-free.
- Progressive may offer discounts for multi-vehicle, good student, homeowner, online quote discount, continuous coverage, and online signing.
- Farmers Insurance may have discounts that include business and professional, pay in full, homeowner, teen driver, and electronic funds transfer.
- Auto-Owners Insurance discounts include teen driver, mature driver, student away at school, air bags, paperless, safe driver, and safe vehicle.
- SAFECO may include discounts for multi-car, drive less, accident prevention training, bundle discounts, safe driver, anti-lock brakes, and teen safety rewards.
Double check with all the companies which discounts can lower your rates. Discounts may not be available in every state.
Local insurance agents
A lot of people just want to talk to an insurance agent and that is a smart decision One of the great benefits of price shopping on the web is the fact that you can find cheap car insurance rates and still have a local agent. And supporting local insurance agencies is important especially in Portland.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents that give free quotes for your car insurance coverage. You won’t need to leave your house since rate quotes are delivered to your email. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to compare rates from a particular provider, don’t hesitate to visit that company’s website and give them your coverage information.
Two types of Portland car insurance agents
If you are searching for a local agent, there are a couple of different types of agencies and how they are distinctly different. Insurance agencies in Portland can either be exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agencies or Brokers
Agents in the independent channel are not restricted to one company and that gives them the ability to insure with lots of companies and find the cheapest rate. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency.
If you need cheaper car insurance rates, you should always contact several independent agencies in order to have the best price comparison.
Below is a small list of independent agencies in Portland that can possibly get you price quote information.
Hecht and Hecht Insurance Agency Inc.
425 NE Hancock St – Portland, OR 97212 – (503) 542-1130 – View Map
Pibal Insurance Brokers of Oregon
1314 NW Irving St – Portland, OR 97209 – (503) 287-8808 – View Map
Nationwide Insurance: Eric L Weber Agency
4415 NE Sandy Blvd Ste 200 – Portland, OR 97213 – (503) 249-7667 – View Map
Exclusive Agents
Agents of this type can only place business with one company like Farmers Insurance and State Farm. These agents are unable to place coverage with different providers so you might not find the best rates. They receive a lot of sales training on their company’s products and that allows them to sell at a higher price point.
Shown below are exclusive agencies in Portland that are able to give price quote information.
State Farm: Jared Dean
101 SW Main St #915 – Portland, OR 97204 – (503) 222-6601 – View Map
Mark Nguyen – State Farm Insurance Agent
14146 SE Stark St – Portland, OR 97233 – (503) 253-2110 – View Map
Michael Holton – State Farm Insurance Agent
7113 SW Macadam Ave – Portland, OR 97219 – (503) 517-9090 – View Map
Choosing a insurance agent is decision based upon more than just the price. The answers to these questions are important, too.
- Where would your vehicle be repaired?
- Does the company use OEM repair parts?
- Can you get a list of referrals?
- Does the company allow you to choose your own collision repair facility?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they write coverage based solely on cost?
- Which insurance company do they prefer to write with?
If you receive positive feedback to these questions as well as affordable Lincoln Navigator insurance rates in Portland quotes, you may have found an auto insurance agent that will provide car insurance coverage.
In conclusion
We just presented some good ideas how to shop for Lincoln Navigator insurance online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your prices. You may even discover the best price on insurance is with a small mutual company. Regional companies often have lower prices on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.
Cheap Lincoln Navigator insurance in Portland is available on the web in addition to many Portland insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not provide rates over the internet and usually these smaller providers provide coverage only through local independent agents.
How to buy cheaper Lincoln Navigator insurance in Portland
The recommended way to find low-cost Lincoln Navigator insurance in Portland is to do a yearly price comparison from companies who sell auto insurance in Oregon.
- First, spend some time learning about how companies price auto insurance and the steps you can take to keep rates low. Many factors that drive up the price such as speeding tickets, careless driving and poor credit history can be amended by improving your driving habits or financial responsibility.
- Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes for a wide range of companies.
- Third, compare the new rate quotes to the price on your current policy to determine if you can save on Navigator insurance. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.
The most important part of shopping around is to use the same amount of coverage on each quote request and and to get rates from as many different companies as possible. This helps ensure a level playing field and a complete selection of prices.
To read more, feel free to browse the articles below:
- Safe Vehicles for Teens (iihs.org)
- Who Has the Cheapest Portland Car Insurance Quotes for Used Cars? (FAQ)
- What Insurance is Cheapest for a Toyota Camry in Portland? (FAQ)
- Who Has Affordable Auto Insurance for a Nissan Rogue in Portland? (FAQ)
- Who Has Affordable Portland Auto Insurance Rates for Hybrid Vehicles? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Safety Features for Your New Car (State Farm)
- Understanding Limits and Deductibles (Allstate)