Best Quotes for Lincoln Navigator Insurance in Chicago

Are you doing reasearch to find the cheapest Lincoln Navigator insurance in Chicago? High-priced Lincoln Navigator insurance in Chicago can dry up your accounts and put a big crunch on your finances. Performing a price comparison can lower your rates and help to make sure you’re not throwing money away.

Insurance for Lincoln NavigatorRegrettably, the vast majority of auto insurance customers have bought auto insurance from the same company for at least the last four years, and almost 40% of drivers have never compared auto insurance rates at all. Most drivers in Chicago could save themselves $586 a year by just comparing rate quotes, but they just assume it takes a lot of time to save money by comparing rate quotes. Many insurers vie for your business, and because of this it can be hard to compare insurers and get the best coverage at the cheapest price on Lincoln Navigator insurance in Chicago.

If you have insurance now or are looking for a new policy, use these cost-cutting techniques to reduce the price you pay and still have adequate protection. Finding the cheapest coverage in Chicago is really quite easy. Drivers just need to know the least time-consuming way to get comparison quotes on the web.

Lowering your Lincoln Navigator auto insurance rates is a fairly straight forward process. You just have to spend a few minutes on the computer comparing price quotes from online providers.

Comparing quotes online is fast and free, and it makes it obsolete to physically go to different Chicago agent offices. Shopping for auto insurance online has made agencies unnecessary unless you want the professional guidance that can only be provided by a licensed insurance agent. Although you can price shop your coverage online and have a local agent actually service the policy.

The providers in the list below have been selected to offer quotes in Illinois. If more than one company is shown, it’s a good idea that you visit several of them to get a more complete price comparison.

Lincoln Navigator Insurance Rate Estimates in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $274 $540 $266 $16 $80 $1,176 $98
Navigator 4WD $220 $468 $250 $14 $76 $1,028 $86
Navigator L 2WD $168 $284 $266 $16 $80 $814 $68
Navigator L 4WD $306 $632 $316 $18 $94 $1,366 $114
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in zip code location which can impact insurance rates considerably.

Can higher deductibles save money?

The illustration below demonstrates how deductibles and can impact Lincoln Navigator yearly insurance costs for different age categories. The premiums are based on a married male driver, full coverage, and no discounts are factored in.

Cost of full coverage in Chicago

The example below examines Lincoln Navigator insurance costs with full coverage compared to only the Illinois minimum liability coverage. The price estimates are based on no claims or driving citations, $250 deductibles, married female driver, and no additional discounts are factored in.

When to drop full coverage

There is no definitive guideline for excluding physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s pretend your Lincoln Navigator replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying your deductible. If you are paying over $300 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where eliminating full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Auto insurance is not optional

Despite the high cost, auto insurance is most likely required but also gives you several important benefits.

The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. As of last year, the average driver in Illinois is overpaying more than $850 per year so you should quote rates once a year at a minimum to ensure rates are inline.

These discounts can lower your auto insurance rates

Auto insurance companies don’t always list their entire list of discounts very well, so we researched a few of the more common as well as the least known credits available to bring down your rates.Auto insurance discounts

Remember that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

A partial list of companies that possibly offer some of the discounts shown above possibly include:

Before purchasing a policy, check with all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not be offered everywhere. For a list of auto insurance companies who offer free Lincoln Navigator insurance quotes in Illinois, click here.

Compare rates but work with a local Chicago insurance agent

Certain consumers prefer to buy from a local agent and that is OK! Experienced insurance agents are highly skilled in risk management and help submit paperwork. The best thing about comparing rate quotes online is the fact that you can find cheap rate quotes but still work with a licensed agent.

Insurance agents in ChicagoOnce you complete this simple form, your insurance coverage information is immediately sent to participating agents in Chicago who want to provide quotes for your business. You never need to search for an agent due to the fact that quote results will go directly to your email. If you need to get a comparison quote from a specific company, you would need to navigate to their website and complete a quote there.

Finding the right company should depend on more than just the quoted price. Any agent in Chicago should be willing to answer these questions.

Pick the best auto insurance agent in Chicago for you

If you prefer to buy auto insurance from a reliable insurance agent, it can be helpful to understand the different types of agencies and how they operate. Agencies in Chicago can either be exclusive agents or independent agents. Either type can provide auto insurance policies, but it is important to understand why they differ because it can influence your selection of an agent.

Exclusive Agents

Exclusive agencies can only place business with one company like Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Shown below are exclusive agencies in Chicago who may provide you with comparison quotes.

3060 W Armitage AveChicago, IL 60647(773) 572-9495View Map

3143 W 71st StChicago, IL 60629(773) 436-7500View Map

6666 N Western AveChicago, IL 60645(773) 743-6565View Map

More insurance agents

Independent Agents (or Brokers)

Agents that choose to be independent are not employed by one company so they can insure your vehicles through many companies and find the cheapest auto insurance rates. If you are not satisfied with one company, they simply move your policy to a different company without you having to go to a different agency.

If you are comparing rate quotes, it’s recommended you get quotes from several independent insurance agents in order to compare the most rates.

The following is a list of independent insurance agents in Chicago willing to provide price quote information.

1858 W 18th StChicago, IL 60608(312) 226-1033View Map

800 W Huron St #301Chicago, IL 60642(312) 664-8088View Map

5902 W Fullerton AveChicago, IL 60639(877) 999-2644View Map

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Different people need different car insurance coverages

Keep in mind that when it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. You are unique and your policy should reflect that.Safe vehicles cost less to insure
For instance, these questions might help in determining whether or not you might need an agent’s assistance.

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Don’t give up on affordable rates

In this article, we covered a lot of information how to save on Lincoln Navigator insurance in Chicago. The key concept to understand is the more providers you compare, the higher your chance of finding affordable Lincoln Navigator insurance quotes. You may even be surprised to find that the lowest priced insurance comes from some of the lesser-known companies. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Cost effective Lincoln Navigator insurance can be bought from both online companies as well as from insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide internet price quotes and these regional carriers sell through local independent agencies.

When getting Chicago car insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. In many cases, consumers will sacrifice collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.

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