It’s safe to conclude that car insurance companies want to keep you from comparing rates. People who shop around for a cheaper policy are very likely to switch companies because there is a good probability of finding a more affordable policy premium. Remarkably, a study showed that people who routinely compared quotes saved an average of $3,400 over four years compared to people who never shopped for cheaper rates.
If finding the cheapest rates on Lincoln Navigator insurance in Nashville is why you’re here, then learning about how to find companies and compare auto insurance can help simplify the process.
If you want to save money, the best way to get more affordable Lincoln Navigator insurance in Nashville is to start comparing prices yearly from companies that insure vehicles in Tennessee. Prices can be compared by following these steps.
- Get an understanding of how auto insurance works and the measures you can control to keep rates low. Many policy risk factors that increase rates like traffic tickets, fender benders, and a negative credit history can be controlled by making minor changes to your lifestyle. Keep reading for additional ideas to find cheap rates and get discounts that may be overlooked.
- Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO and State Farm, while independent agents can quote rates from multiple sources.
- Compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
The critical component of shopping around is to make sure you’re comparing the same liability limits and deductibles on every quote and and to get rates from as many different insurance providers as possible. Doing this ensures an apples-to-apples comparison and a complete rate analysis.
First Step: Get free Lincoln Navigator insurance quotes
When shopping for affordable Nashville auto insurance quotes, there are a couple of ways to get quotes from many available car insurance companies in Tennessee. The best way to find competitive Lincoln Navigator insurance rates is to get quotes online. It’s important to know that comparing a large number of companies helps you find better pricing. Some regional insurers cannot provide online rate quotes, so it’s important to also get rates from those companies as well.
The companies shown below are ready to provide free quotes in Tennessee. To buy cheaper auto insurance in Nashville, it’s highly recommended you visit as many as you can to find the cheapest car insurance rates.
It may be expensive, but it’s not optional
Despite the fact that insurance is not cheap in Nashville, insurance is required for several reasons.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability in order to license the vehicle. In Tennessee 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 took out a loan on your Lincoln Navigator, it’s guaranteed your bank will force you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender may insure your Lincoln for a lot more money and require you to reimburse them the higher premium.
- Insurance preserves both your Lincoln Navigator and your assets. Insurance will pay for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of your driving. If your Lincoln gets damaged, your insurance policy will cover the repair costs.
The benefits of insuring your Navigator outweigh the cost, particularly when you have a large claim. An average driver in America is overpaying over $700 annually so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.
Data for Lincoln Navigator insurance
The information below outlines different coverage costs for Lincoln Navigator models. Learning as much as possible about how policy rates are established is important for you to make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $254 | $506 | $390 | $24 | $116 | $1,290 | $108 |
| Navigator 4WD | $254 | $506 | $390 | $24 | $116 | $1,290 | $108 |
| Navigator L 2WD | $280 | $506 | $390 | $24 | $116 | $1,316 | $110 |
| Navigator L 4WD | $280 | $506 | $390 | $24 | $116 | $1,316 | $110 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in vehicle location which can influence prices considerably.
Where to set your deductibles
One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The tables below can help show the rate differences of buying low and high coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $312 | $608 | $288 | $18 | $86 | $1,337 | $111 |
| Navigator 4WD | $312 | $608 | $288 | $18 | $86 | $1,337 | $111 |
| Navigator L 2WD | $344 | $608 | $288 | $18 | $86 | $1,369 | $114 |
| Navigator L 4WD | $344 | $608 | $288 | $18 | $86 | $1,369 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $228 | $412 | $288 | $18 | $86 | $1,032 | $86 |
| Navigator 4WD | $228 | $412 | $288 | $18 | $86 | $1,032 | $86 |
| Navigator L 2WD | $252 | $412 | $288 | $18 | $86 | $1,056 | $88 |
| Navigator L 4WD | $252 | $412 | $288 | $18 | $86 | $1,056 | $88 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in vehicle garaging location which can alter premiums greatly.
Based on these figures, using a $100 deductible could cost the average driver approximately $26 more each month or $312 each year than buying the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 15 months between claims, you would probably be better off if you decide on a higher deductible.
The illustration below illustrates how choosing a deductible and can change Lincoln Navigator insurance premiums for each different age category. The data is based on a married female driver, full physical damage coverage, and no discounts are applied.
Drive responsibly or pay higher rates
The example below shows how traffic citations and fender-benders can influence Lincoln Navigator insurance premiums for each different age category. The data is based on a single female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
Auto insurance premiums by gender
The chart below illustrates the difference between Lincoln Navigator auto insurance costs for male and female drivers. The information is based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no policy discounts are applied.
Should you buy full coverage?
The information below visualizes the comparison of Lincoln Navigator insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Tennessee. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no policy discounts are applied.
When to drop comp and collision
There is no definitive guideline for phasing out full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your Lincoln Navigator settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after the deductible is paid. If premiums are more than $800 annually for full coverage, then you might want to consider buying only liability coverage.
There are some cases where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
These discounts can lower your insurance quotes
Companies offering auto insurance don’t always publicize every discount available in a way that’s easy to find, so the following list contains some of the more common in addition to some of the lesser obvious insurance savings.
- Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for reduced rates.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- Distant Student Discount – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle could qualify for this discount.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of 25 to 30%.
- E-sign – Certain companies will discount your bill up to fifty bucks simply for signing digitally online.
Consumers should know that many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.
The diagram below illustrates the difference between Lincoln Navigator auto insurance rates with and without discounts applied to the policy premium. The costs are based on a female driver, a clean driving record, no at-fault accidents, Tennessee state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-car, claim-free, and multi-policy discounts applied.
Companies and the discounts they provide are detailed below.
- Farm Bureau includes discounts for multi-vehicle, driver training, good student, renewal discount, safe driver, youthful driver, and multi-policy.
- Liberty Mutual may include discounts for exclusive group savings, new move discount, multi-policy, newly married, and preferred payment discount.
- State Farm policyholders can earn discounts including anti-theft, defensive driving training, Steer Clear safe driver discount, multiple policy, and multiple autos.
- Auto-Owners Insurance has discounts for student away at school, teen driver, paid in full, multiple vehicles, and anti-lock brakes.
- GEICO offers discounts for five-year accident-free, seat belt use, good student, anti-theft, and emergency military deployment.
- SAFECO discounts include bundle discounts, homeowner, drive less, teen safety rewards, safe driver, and anti-lock brakes.
Before you buy a policy, ask all companies you are considering to apply every possible discount. Some discounts listed above may not apply to policies in your state. If you would like to see a list of insurance companies that offer many of these discounts in Nashville, click here to view.
What if I want to buy from local Nashville insurance agencies?
Many drivers would prefer to sit down with an agent and that is a smart decision A good thing about getting online price quotes is you can get lower prices but still work with a licensed agent.
After filling out this quick form, your information is immediately sent to participating agents in Nashville that give free quotes for your car insurance coverage. It makes it easy because there is no need to even leave your home due to the fact that quote results will go directly to your email. You can get cheaper car insurance rates and work with a local agent. In the event you want to quote rates from a specific insurance company, don’t hesitate to find their quoting web page and fill out their quote form.
Selecting a insurer should depend on more than just the bottom line cost. The questions below may impact your decision as well.
- What is the agency’s Better Business Bureau rating?
- Are they able to influence company decisions when a claim is filed?
- Is there any savings for paying the full premium?
- Are they actively involved in the community?
- How often do they review coverages?
- Can you get a list of referrals?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How much will you save each year by using a higher deductible?
When finding a local Nashville insurance agency, you must know there are a couple different agency structures and how they differ in how they quote coverages. Car insurance agents are categorized either independent agents or exclusive agents.
Exclusive Insurance Agencies
Agents of this type normally can only provide a single company’s rates such as AAA, Allstate, and State Farm. Exclusive agents are unable to compare rates from other companies so they have no alternatives for high prices. They are usually quite knowledgeable on their company’s products which helps offset the inability to provide other markets. Consumers often buy from exclusive agents partially due to the brand name and strong financial ratings.
The following is a short list of exclusive agents in Nashville who may provide you with price quotes.
- Heather Farmer State Farm Insurance
6592 TN-100 Suite 2 – Nashville, TN 37205 – (615) 356-6503 – View Map - Mike Maclean – State Farm Insurance Agent
3922 Gallatin Pike – Nashville, TN 37216 – (615) 891-1241 – View Map - Marc Gant – State Farm Insurance Agent
6601 Sugar Valley Dr #114 – Nashville, TN 37211 – (615) 941-7094 – View Map
Independent Insurance Agents
Agents in the independent channel are not limited to a single company so they can quote policies with multiple insurance companies and possibly get better coverage at lower prices. If premiums increase, the agent simply finds a different carrier and you don’t have to do anything.
If you are trying to find cheaper rates, you absolutely need to contact independent agents for maximum quote selection. Most can insure with smaller mutual companies that may provide cheaper car insurance rates.
Shown below is a short list of independent insurance agencies in Nashville willing to provide rate quotes.
- Zander Insurance Group
6213 Charlotte Pike – Nashville, TN 37209 – (615) 356-1700 – View Map - Mills Insurance
4525 Harding Pike Ste 244 – Nashville, TN 37205 – (615) 620-4452 – View Map - HQ Insurance, Inc.
2451 Atrium Way – Nashville, TN 37214 – (615) 884-3535 – View Map
Upon receiving acceptable answers and inexpensive Lincoln Navigator insurance in Nashville quotes, it’s possible that you found a car insurance agent that is reliable enough to properly service your car insurance policy.
Nashville car insurance companies ranked
Ending up with the top insurance company is hard considering how many different insurance companies sell coverage in Nashville. The information shown next may help you pick which car insurance companies you want to consider purchasing from.
Top 10 Nashville Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- Erie Insurance
- Esurance
- The General
Affordable auto insurance is out there
Consumers leave their current company for a number of reasons such as not issuing a premium refund, unfair underwriting practices, poor customer service and even being labeled a high risk driver. Whatever your reason, finding a new company is not as difficult as it may seem.
Cheaper auto insurance in Nashville is possible on the web and from local agencies, so you should compare both so you have a total pricing picture. Some auto insurance companies do not provide online quoting and most of the time these smaller companies work with independent insurance agencies.
In this article, we presented a lot of information how to compare Lincoln Navigator insurance rates in Nashville. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the best price on auto insurance is with an unexpected company.
Helpful learning opportunities
- Teen Driving and Texting (State Farm)
- Who Has Affordable Car Insurance for a Toyota Corolla in Nashville? (FAQ)
- Who Has Affordable Nashville Auto Insurance Quotes for a Nissan Rogue? (FAQ)
- How Much is Nashville Auto Insurance for Drivers Over Age 50? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- Child Safety FAQ (iihs.org)