How long has it been since you sat down and looked for more affordable Lincoln Navigator insurance in Jersey City? Locating the cheapest insurance for a Lincoln Navigator in New Jersey can normally be a painful process, but you can use a few tricks to find lower rates. There is a better way to buy auto insurance so you’re going to learn the best way to price shop coverage for a new or used Lincoln and obtain the best price possible from Jersey City insurance agents and online providers.
Smart consumers take time to quote other rates on a regular basis because rates are usually higher with each renewal. Just because you had the best rate on Lincoln Navigator insurance in Jersey City two years ago the chances are good that you can find a lower price today. There is a lot of bad information regarding Navigator insurance online but I’m going to show you some of the best techniques to quit paying high auto insurance rates in Jersey City.
Get cheaper Lincoln Navigator insurance in Jersey City with discounts
Companies that sell car insurance do not list every policy discount very well, so the list below gives a summary of both the well known and the more hidden credits available to you.
- New Car Discount – Buying a new car instead of a used Navigator can save up to 30% due to better safety requirements for newer models.
- ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and will save you 10% or more on Navigator insurance in Jersey City.
- Discount for Multiple Policies – If you have multiple policies with one company you will save 10% to 20% off each policy.
- Paper-free Discount – Some of the larger companies will give you a small discount for buying a policy and signing up online.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
- Anti-theft System – Anti-theft and alarm system equipped vehicles help deter theft and that can save you a little bit as well.
- Smart Student Discounts – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
You can save money using discounts, but most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
The illustration below compares Lincoln Navigator auto insurance rates with and without discounts applied. The premiums assume a male driver, no violations or accidents, New Jersey 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 multi-policy, homeowner, safe-driver, claim-free, marriage, and multi-car discounts applied.
Larger car insurance companies and the discounts they provide are:
- State Farm has savings for good student, safe vehicle, accident-free, good driver, multiple autos, and driver’s education.
- American Family includes discounts for multi-vehicle, bundled insurance, defensive driver, TimeAway discount, good driver, and early bird.
- AAA discounts include multi-policy, pay-in-full, education and occupation, good driver, AAA membership discount, and multi-car.
- GEICO may include discounts for federal employee, daytime running lights, membership and employees, driver training, anti-theft, good student, and five-year accident-free.
- Mercury Insurance has discounts for ease of repair, low natural disaster claims, location of vehicle, professional/association, anti-theft, and type of vehicle.
- Farmers Insurance policyholders can earn discounts including youthful driver, business and professional, pay in full, early shopping, mature driver, distant student, and good student.
- Progressive offers discounts for homeowner, multi-vehicle, online quote discount, online signing, multi-policy, continuous coverage, and good student.
When quoting, ask each company or agent which discounts you qualify for. All car insurance discounts may not be available in every state.
Free Jersey City Lincoln Navigator insurance price quotes
The companies shown below are ready to provide free rate quotes in Jersey City, NJ. To locate cheap auto insurance in NJ, we recommend you click on several of them in order to find the lowest rates.
Detailed insurance information
The rate information below covers detailed analysis of rate quotes for Lincoln Navigator models. Knowing how insurance quotes are formulated can benefit drivers when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $432 | $684 | $630 | $38 | $188 | $1,972 | $164 |
| Navigator 4WD | $432 | $684 | $630 | $38 | $188 | $1,972 | $164 |
| Navigator L 2WD | $478 | $684 | $630 | $38 | $188 | $2,018 | $168 |
| Navigator L 4WD | $478 | $684 | $630 | $38 | $188 | $2,018 | $168 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific location which can revise premiums significantly.
Should you raise deductibles?
When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The rates shown below show the costs and benefits between high and low insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $466 | $848 | $480 | $28 | $144 | $1,991 | $166 |
| Navigator 4WD | $466 | $848 | $480 | $28 | $144 | $1,991 | $166 |
| Navigator L 2WD | $514 | $848 | $480 | $28 | $144 | $2,039 | $170 |
| Navigator L 4WD | $514 | $848 | $480 | $28 | $144 | $2,039 | $170 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific zip code location which can impact insurance rates greatly.
We can estimate from the data above that using a $250 deductible costs approximately $44 more each month or $528 each year averaged for all Navigator models than quoting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 17 months between claims, you would save more money if you decide on a higher deductible.
Lincoln Navigator full coverage rates compared to liability only
The diagram below illustrates the comparison of Lincoln Navigator insurance premiums with full physical damage coverage compared to only buying liability only. Data assumes a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no set rule to exclude physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s pretend your Lincoln Navigator replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are currently paying more than $400 annually for full coverage, then it might be time to consider dropping full coverage.
There are some scenarios where dropping full coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
What is the best auto insurance coverage?
When it comes to buying coverage, there really is no one-size-fits-all type of policy. Your needs are not the same as everyone else’s so your insurance should reflect that
For instance, these questions might point out if your situation will benefit from professional help.
- What exactly is covered by my policy?
- Where can I get insurance after a DUI in New Jersey?
- Can my teen driver be rated on a liability-only vehicle?
- Does having multiple vehicles earn me a discount?
- What is covered by UM/UIM coverage?
- What happens if I owe more than my Lincoln Navigator is worth?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.
When to talk to an insurance agent
Some consumers would prefer to talk to a local agent and that is recommended in a lot of cases Experienced insurance agents will help you protect your assets and help you file claims. The biggest benefit of price shopping on the web is you can get cheap car insurance quotes and still have a local agent.
Once you complete this form (opens in new window), your information gets sent to local insurance agents in Jersey City that can provide free Jersey City auto insurance quotes for your insurance coverage. There is no reason to even leave your home since rate quotes are delivered to you instantly. If you want to compare rates from a specific company, you just need to jump over to their website and give them your coverage information.
Picking an insurance company shouldn’t rely on just a cheap price. Here are some questions you might want to ask.
- Where would your vehicle be repaired?
- Do they receive special compensation for putting your coverage with one company over another?
- How long have they worked with personal auto insurance coverage?
- Does the company have a solid financial rating?
- Are they able to provide referrals?
- Does the agent have professional designations like CIC, CPCU or AIC?
Pick the best auto insurance agent in Jersey City for you
If you want to use a local agent, you must know there are a couple types of agencies and how they function. Jersey City agents can be categorized as either independent or exclusive depending on the company they work for. Either type can sell affordable car insurance policies, but it’s worth learning the difference in the companies they write for because it may have an impact on the type of agent you choose.
Exclusive Insurance Agents
Exclusive agencies can only place business with one company and examples are Farmers Insurance, State Farm, or Allstate. These agents are not able to provide other company’s prices so they have no alternatives for high prices. Exclusive insurance agents receive a lot of sales training on what they offer which helps overcome the inability to quote other rates. A lot of people choose to use a exclusive agent partially due to high brand loyalty rather than low rates.
The following are exclusive agencies in Jersey City who can help you get rate quotes.
- Hemant Jiwnani – State Farm Insurance Agent
2770 John F Kennedy Blvd, FL-1 – Jersey City, NJ 07306 – (201) 653-1770 – View Map - Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290 – View Map - Alberto Santana – State Farm Insurance Agent
1755 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 332-3344 – View Map
Independent Agents
Independent agencies are not locked into one company and that is an advantage because they can write policies through many companies depending on which coverage is best. If you want to switch companies, they can switch companies in-house which is easy for the insured. If you need lower rates, it’s recommended you compare prices from several independent agencies to get the best comparison. Most also write with smaller companies which can save you money.
Shown below is a list of independent insurance agents in Jersey City willing to provide comparison quotes.
- Royale Insurance Agency
2184 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 656-1800 – View Map - AMC Insurance Inc
958 Summit Ave – Jersey City, NJ 07307 – (201) 656-1200 – View Map - GG Insurance – Independent Insurance Agent
270 Marin Boulevard, Metropolis Towers Suite #14D – Jersey City, NJ 07302 – (800) 801-0394 – View Map
Upon receiving satisfactory answers for all questions you ask and a low price estimate, chances are good that you have found an auto insurance agent that is reputable and can adequately provide car insurance. Keep in mind consumers can cancel coverage for any reason so don’t think that you’re stuck with any specific agency for the entire policy term.
Cheaper auto insurance rates are possible
You just read a lot of tips how to find cheaper Lincoln Navigator insurance in Jersey City. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. You may even find the best price on auto insurance is with a smaller regional carrier. Some small companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm, GEICO and Nationwide.
Affordable Lincoln Navigator insurance in Jersey City is possible both online as well as from insurance agents, so you need to shop Jersey City auto insurance with both to get a complete price analysis. There are still a few companies who may not provide online rate quotes and most of the time these regional carriers only sell through independent agents.
As you quote Jersey City auto insurance, it’s very important that you do not buy poor coverage just to save money. There have been many situations where someone sacrificed physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the lowest possible cost while still protecting your assets.
Steps to finding lower priced Lincoln Navigator insurance in Jersey City
If you want to find the absolute lowest rates, then the best way to find lower priced auto insurance rates is to compare prices annually from companies in Jersey City. Rate comparisons can be done by completing these steps.
- First, spend some time learning about how car insurance works and the changes you can make to keep rates down. Many factors that increase rates such as your driving record and poor credit rating can be rectified by making minor changes in your lifestyle.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can provide prices from multiple insurance companies. View a list of agents
- Third, compare the price quotes to your existing rates and determine if cheaper Navigator coverage is available. If you find a better price, make sure there is no lapse in coverage.
One bit of advice is that you’ll want to compare the same liability limits and deductibles on every quote and and to get quotes from every insurance company. This enables an accurate price comparison and a complete rate analysis.
To read more, feel free to browse the following helpful articles:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has Affordable Jersey City Car Insurance Rates for Business Use? (FAQ)
- Who Has Cheap Jersey City Auto Insurance for Unemployed Drivers? (FAQ)
- Who Has the Cheapest Jersey City Auto Insurance Rates for First-time Drivers? (FAQ)
- What Car Insurance is Cheapest for a Ford Edge in Jersey City? (FAQ)
- Safety Features for Your New Car (State Farm)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Help Your Teen Be a Better Driver (State Farm)
- Auto Insurance Facts and Statistics (Insurance Information Institute)