Cheapest Quotes for Lincoln Navigator Insurance in Newark

If you want to save money, the best way to get discount auto insurance rates in Newark is to compare prices annually from providers in New Jersey.

  1. Take a little time to learn about how insurance companies determine prices and the things you can control to prevent rate increases. Many factors that drive up the price like traffic violations and a not-so-good credit score can be rectified by making minor changes to your lifestyle.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or Allstate, while independent agents can provide rate quotes from multiple companies.
  3. Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate and change companies, make sure coverage does not lapse between policies.

One key aspect of rate comparisons is to make sure you enter identical coverage information on each quote and and to get rates from every company you can. Doing this guarantees a fair price comparison and the most accurate and complete price analysis.

Insurance quote for Lincoln Navigator in NewarkA recent survey discovered that the vast majority of consumers kept buying from the same company for over three years, and almost half have never even shopped around for cheaper coverage. Drivers in Newark could cut their rates by up to 40% a year just by getting comparison quotes, but they just assume it’s a time-consuming process to compare rate quotes online.

Lincoln Navigator insurance discounts in Newark

Not many people think insurance is cheap, but you may find discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you quote, but a few need to be requested specifically before they will apply. If you are not receiving all the discounts available, you could be saving more on your car insurance.Cheaper car insurance with discounts

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, that’s just not realistic.

The illustration below illustrates the difference between Lincoln Navigator insurance premiums with and without discounts applied to the rates. The data is based on a male driver, no claims or driving violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, homeowner, claim-free, and multi-car discounts applied.

A list of car insurance companies and some of the premium reductions they offer can be found below.

If you need affordable Newark auto insurance quotes, ask every insurance company which discounts they offer. Savings might not apply everywhere.

When shopping for Lincoln Navigator insurance in Newark there are multiple ways to obtain and compare prices from many car insurance companies in New Jersey. One of the best ways to comparison shop is to use the internet to compare rates.

It’s so fast and easy to compare quotes online that it makes it a waste of time to spend time driving to insurance agents’ offices. The ability to buy insurance online makes this unnecessary unless your situation requires the professional abilities only provided by licensed Newark agents. It is possible with some companies find lower rates online and still use a local agent.

Keep in mind that comparing a large number of companies provides better odds of finding better pricing. Some regional insurers cannot provide Newark Navigator insurance quotes online, so it’s necessary to compare prices on coverage from those companies, too.

The auto insurance companies shown below offer price quotes in New Jersey. To get cheap auto insurance in Newark, NJ, it’s a good idea that you compare several of them to find the cheapest auto insurance rates.

Statistics and details

The rate table shown next covers a range of coverage prices for Lincoln Navigator models. Knowing how insurance prices are formulated can aid in making informed decisions when shopping around for a new policy.

Lincoln Navigator Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $500 $1144 $624 $36 $188 $2,492 $208
Navigator 4WD $500 $1144 $624 $36 $188 $2,492 $208
Navigator L 2WD $550 $1144 $624 $36 $188 $2,542 $212
Navigator L 4WD $550 $1144 $624 $36 $188 $2,542 $212
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific location which can lower or raise coverage prices considerably.

Physical damage deductibles

One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The data tables below summarize the differences in price when you buy lower versus higher coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Lincoln Navigator insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $520 $1014 $480 $28 $144 $2,211 $184
Navigator 4WD $520 $1014 $480 $28 $144 $2,211 $184
Navigator L 2WD $574 $1014 $480 $28 $144 $2,265 $189
Navigator L 4WD $574 $1014 $480 $28 $144 $2,265 $189
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Lincoln Navigator insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $288 $534 $480 $28 $144 $1,474 $123
Navigator 4WD $288 $534 $480 $28 $144 $1,474 $123
Navigator L 2WD $318 $534 $480 $28 $144 $1,504 $125
Navigator L 4WD $318 $534 $480 $28 $144 $1,504 $125
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in Newark location which can change premiums considerably.

Based on the above data, using a $100 deductible will cost you about $63 more each month or $756 annually across all Lincoln Navigator models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 14 months between claims, you would save more money if you elect the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $187
Average monthly premium for $1,000 deductibles (subtract): – $124
Monthly savings from raising deductible: $63
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $63
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 higher deductibles means you pay more out-of-pocket when you file a claim. You need to make sure you have some non-essential savings in the event you have to pay the deductible.

The diagram below demonstrates how deductible levels and can impact Lincoln Navigator premium costs for each age group. The premiums are based on a single female driver, full coverage, and no discounts are applied to the premium.

Do you need full coverage?

The chart below illustrates the difference between Lincoln Navigator car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in New Jersey. The premiums assume no violations or claims, $100 deductibles, single status, and no additional discounts are factored in.

Guidelines for dropping full coverage

There is no definitive rule for dropping physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s say your Lincoln Navigator replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after the policy deductible has been paid. If premiums are more than $500 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some scenarios where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.

How much car insurance do I need?

When it comes to buying insurance from an agent or online, there is no one size fits all plan. Every insured’s situation is different.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form.

When do I need to contact an agent?

A small number of people still like to talk to a local agent and we recommend doing that An additional benefit of price shopping on the web is that you can obtain lower premium rates and still have an agent to talk to.

Insurance agents in NewarkOnce you complete this short form, your insurance coverage information is immediately sent to insurance agents in Newark that give free quotes for your business. You never need to contact any agents because prices are sent directly to your email. You can find the lowest rates AND a local agent. If you need to compare prices from a particular provider, just find their quoting web page to submit a rate quote request.

Selecting an provider needs to be determined by more than just a cheap price quote. A good agent in Newark will have answers to these questions.

If you would like to find a local agent, you must know there are a couple different agency structures to choose from. Insurance agencies in Newark may be either exclusive agents or independent agents.

Exclusive Car Insurance Agents

Agents that choose to be exclusive normally can only provide a single company’s rates such as American Family, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. They are well trained on their products and sales techniques which helps offset the inability to provide other markets.

Listed below is a short list of exclusive insurance agencies in Newark who can help you get price quotes.

570 Broad St #114Newark, NJ 07102(973) 648-0699View Map

229 Bloomfield AveNewark, NJ 07104(973) 482-1975View Map

681 1/2 Mt Prospect AveNewark, NJ 07104(973) 484-5772View Map

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Independent Car Insurance Agencies

Agents that elect to be independent are not limited to a single company so they can insure your vehicles amongst many companies and find the cheapest car insurance rates. If they quote lower rates, your agent can just switch to a different company and you don’t have to switch agencies. When searching for an agent, you definitely need to include at a minimum one independent agency to maximize your price options.

Below is a list of independent agents in Newark who can help you get price quote information.

9 Frank E Rodgers Blvd SHarrison, NJ 07029(973) 350-9999View Map

275 Chestnut StNewark, NJ 07105(866) 497-1001View Map

217 Ferry StNewark, NJ 07105(973) 344-2000View Map

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Car insurance company ratings

Selecting a highly-rated car insurance company can be a challenge considering how many companies sell insurance in Newark. The rank data in the next section could help you decide which coverage providers to look at shopping prices with.

Top Car Insurance Companies in Newark
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies

More quotes mean more insurance savings

People leave their current company for a variety of reasons including lack of trust in their agent, questionable increases in premium, not issuing a premium refund or even high prices. Whatever your reason, choosing a new insurance company can be less work than you think.

Some insurance companies may not have rates over the internet and most of the time these small, regional companies prefer to sell through independent insurance agents. Low-cost Lincoln Navigator insurance in Newark is possible both online in addition to many Newark insurance agents, so you need to compare both to have the best selection.

We covered many tips how you can compare Lincoln Navigator insurance rates in Newark. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the best rates are with a smaller regional carrier.

Additional detailed information can be found at these sites: