How long has it been since you compared lower-priced Lincoln Navigator insurance in Honolulu? Finding cheaper insurance for a Lincoln Navigator in Hawaii could be a lot of work, but you can learn these tips and make it easy.
There are more efficient ways to shop for insurance and we’ll show you the best way to quote coverages for a Lincoln and obtain the lowest price from both online companies and Honolulu agents.
Low cost Lincoln Navigator insurance prices in Honolulu
The following companies can provide price quotes in Hawaii. If multiple companies are shown, it’s highly recommended you visit two to three different companies in order to find the cheapest rates.
Check for these discounts on Lincoln Navigator insurance in Honolulu
Some companies don’t always advertise their entire list of discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known ways to save on car insurance.
- Theft Prevention System – Cars and trucks that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your Honolulu car insurance quote.
- Distant College Student Discount – College-age children who are enrolled in higher education away from home and do not take a car to college may be able to be covered for less.
- Cautious Drivers – Drivers who don’t get into accidents could pay up to 40% less than drivers with accidents.
- Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
- Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease with a few car insurance companies.
- No Claim Discounts – Insureds with no claims or accidents pay less as opposed to insureds who have frequent claims or accidents.
- Lower Rates for Military – Having a family member in the military could mean lower prices.
- Sign Early and Save – Select insurance companies give a discount for buying a new policy early. It could save around 10% when you buy Honolulu car insurance online.
- Senior Citizen Discount – Drivers over the age of 55 are able to get a small discount on rates.
Remember that most discount credits are not given to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, companies wouldn’t make money that way.
The illustration below illustrates the difference between Lincoln Navigator insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving violations, Hawaii state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, multi-car, safe-driver, and homeowner discounts applied.
Some of the larger companies that have some of the above discounts include:
When comparing rates, check with all companies you are considering how many discounts you can get. Some of the discounts discussed earlier may not be offered in Honolulu. To see insurance companies with discount car insurance rates in Hawaii, click here.
Detailed insurance information
The coverage information displayed next outlines estimates of insurance rates for Lincoln Navigator models. Learning a little about how car insurance prices are formulated can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $164 | $320 | $254 | $16 | $76 | $830 | $69 |
| Navigator 4WD | $164 | $320 | $254 | $16 | $76 | $830 | $69 |
| Navigator L 2WD | $180 | $320 | $254 | $16 | $76 | $846 | $71 |
| Navigator L 4WD | $180 | $320 | $254 | $16 | $76 | $846 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific garaging location which can revise prices greatly.
Where to set your deductibles
One frequently asked question is the level to set your comp and collision deductibles. The rates shown below can help illustrate the differences in price when you buy lower versus higher coverage deductibles. The first pricing table uses a $250 physical damage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $258 | $468 | $264 | $16 | $80 | $1,111 | $93 |
| Navigator 4WD | $258 | $468 | $264 | $16 | $80 | $1,111 | $93 |
| Navigator L 2WD | $284 | $468 | $264 | $16 | $80 | $1,137 | $95 |
| Navigator L 4WD | $284 | $468 | $264 | $16 | $80 | $1,137 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $158 | $294 | $264 | $16 | $80 | $812 | $68 |
| Navigator 4WD | $158 | $294 | $264 | $16 | $80 | $812 | $68 |
| Navigator L 2WD | $176 | $294 | $264 | $16 | $80 | $830 | $69 |
| Navigator L 4WD | $176 | $294 | $264 | $16 | $80 | $830 | $69 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Honolulu which can affect rates significantly.
Using the data above, we can ascertain that using a $250 deductible will cost you approximately $25 more each month or $300 for a full year averaged for all Navigator models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 30 months between claim filings, you would come out ahead if you opt for a higher deductible.
How to decide to raise your deductibles
| Average monthly premium for $250 deductibles: | $94 |
| Average monthly premium for $1,000 deductibles (subtract): | – $69 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
An important sidenote is that raising deductibles means you will have to pay more when you have a comprehensive or collision claim. You need to have enough savings in the event you have to pay the deductible to have repairs made.
The illustration below demonstrates how deductible levels and can impact Lincoln Navigator insurance prices for different insured age categories. The data is based on a married female driver, full physical damage coverage, and no other discounts are factored in.
Compare prices but still have a neighborhood Honolulu auto insurance agent
Many drivers just want to sit down with an agent and that is OK! Professional agents can help you choose the best coverages and give you someone to call. The biggest benefit of comparing insurance prices online is you may find cheap rate quotes but also keep your business local. Buying insurance from local insurance agencies is especially important in Honolulu.
By using this form (opens in new window), the coverage information is submitted to agents in your area who will give you bids to get your business. You never need to search for any insurance agencies since price quotes are sent immediately to you. If you have a need to get a price quote from one company in particular, you would need to go to their quote page and submit a quote form there.
Below is a short list of auto insurance companies in Honolulu that may be willing to give comparison quotes for Lincoln Navigator insurance in Honolulu.
- Marilyn Jacobe – State Farm Insurance Agent
1125 N King St #303 – Honolulu, HI 96817 – (808) 254-7028 – View Map - Suzette Rudolf Trehern – State Farm Insurance Agent
7192 Kalanianaole Hwy g210 – Honolulu, HI 96825 – (808) 395-3434 – View Map - Ryan Miyashita – State Farm Insurance Agent
1580 Makaloa St #102 – Honolulu, HI 96814 – (808) 945-0802 – View Map - U’ilani Hawelu – State Farm Insurance Agent
1960 Kapiolani Blvd Ste 208 – Honolulu, HI 96826 – (808) 955-9090 – View Map
Choosing the best insurer requires more thought than just the quoted price. The answers to these questions are important, too.
- Are they primarily personal or commercial lines agents in Honolulu?
- Is the agent CPCU or CIC certified?
- Do they offer rental car reimbursement?
- Will they give you a referral list?
- Do they feel the quoted coverages are adequate?
- In the event of vehicle damage, can you pick the collision repair facility?
- Does the agency support the community they serve?
After you get positive feedback as well as low cost Lincoln Navigator insurance quotes, it’s a good possibility that you have found an provider that is professional and can insure your vehicles. Just be aware that consumers can cancel coverage whenever you wish so don’t think that you are obligated to a policy with no way out.
You may need specialized insurance coverage
Keep in mind that when it comes to choosing a policy, there isn’t really a “perfect” insurance plan. Every situation is different.
These are some specific questions may help highlight if you might need an agent’s assistance.
- Can I pay claims out-of-pocket if I buy high deductibles?
- What is covered by UM/UIM coverage?
- Can I rate high risk drivers on liability-only vehicles?
- If my pet gets injured in an accident are they covered?
- If I use my vehicle for business use is it covered?
- What discounts do I qualify for?
- Am I covered if I hit my neighbor’s mailbox?
If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.
Insurance Rate Influencing Factors
Consumers need to have an understanding of a few of the rating criteria that go into determining the level of your policy premiums. When you understand what influences your rates, this allows you to make good choices that can earn you lower insurance prices. Lots of factors are used in the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, but some are less apparent such as whether you are married and annual miles driven.
Avoid insurance policy lapses – Driving your car without having proper coverage can get you a ticket and any future policy may cost more because you let your insurance coverage expire. Not only will rates go up, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license. You may have to prove you have insurance by filing a SR-22 with the Hawaii motor vehicle department to get your license reinstated.
Don’t cut corners with liability coverage – The liability section of your policy provides coverage in the event that you are determined to be liable for an accident. Liability insurance provides for a legal defense starting from day one. This coverage is relatively inexpensive compared to other policy coverages, so drivers should carry high limits.
Youthful drivers cost more – Mature drivers are more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets. Teenage drivers have a tendency to be inattentive and easily distracted when driving so insurance rates are higher.
The following chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Where you call home factors in – Having an address in a rural area is a positive aspect when talking about insurance. Drivers who live in large cities have to deal with congested traffic and longer commute times. Lower population translates into fewer accident claims and also fewer theft and vandalism claims.
Performance makes a difference – The performance level of the car you own makes a huge difference in your auto insurance rates. Lower performance four cylinder passenger cars normally have pretty low rates, but your final cost has many other factors.
The next chart uses these assumptions: single female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It compares Lincoln Navigator car insurance rates compared to other models of vehicles that have different performance risks.
Being married can lower prices – Walking down the aisle actually saves money when buying insurance. Having a significant other usually means you are more mature and responsible and statistics show married drivers get in fewer accidents.
Lincoln Navigator insurance loss statistics – Insurance companies include the past claim history for a vehicle when setting rates for each model. Models that the data determines to have higher claim frequency or loss amount will have a higher premium rate.
The table below outlines the historical insurance loss data for Lincoln Navigator vehicles. For each policy coverage, the statistical loss for all vehicles as a whole equals 100. Percentage numbers below 100 indicate a favorable loss history, while percentage numbers above 100 point to more frequent losses or an increased chance of larger losses than average.
| 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Three reasons insurance is important
Even though it can be expensive, maintaining insurance is most likely required but also gives you several important benefits.
First, the majority of states have mandatory liability insurance requirements which means state laws require a minimum amount of liability insurance coverage if you don’t want to risk a ticket. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your car has a lienholder, almost all lenders will require that you carry insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may insure your Lincoln for a much higher rate and require you to pay for it.
Third, insurance preserves both your Lincoln and your assets. It will also cover hospital and medical expenses that are the result of an accident. Liability insurance will also pay attorney fees if you are sued as the result of an accident. If you have damage to your Lincoln as the result of the weather or an accident, your insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having insurance definitely exceed the cost, especially with large liability claims. According to a 2015 survey, the average American driver is overpaying more than $820 a year so you should quote your policy with other companies at least once a year to ensure rates are competitive.
Cheap auto insurance rates are out there
Drivers who switch companies do it for any number of reasons including questionable increases in premium, high prices, being labeled a high risk driver and even unfair underwriting practices. Regardless of your reason, finding a new company is actually quite simple.
Low-cost Lincoln Navigator insurance in Honolulu is definitely available on the web in addition to many Honolulu insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer rates over the internet and most of the time these smaller providers work with independent insurance agencies.
When searching for cheaper Honolulu car insurance quotes, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your strategy should be to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.
How to find lower priced Lincoln Navigator insurance in Honolulu
If saving the most money is your goal, then the best way to find better pricing on car insurance rates is to do an annual price comparison from different companies who sell auto insurance in Honolulu. You can shop around by completing these steps.
Step 1: Spend a few minutes and learn about the different coverages in a policy and the measures you can control to prevent expensive coverage. Many factors that increase rates such as speeding tickets, accidents and a not-so-good credit rating can be rectified by making minor changes to your lifestyle.
Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple sources.
Step 3: Compare the new quotes to your current policy and determine if cheaper Navigator coverage is available. If you find better rates and switch companies, ensure coverage does not lapse between policies.
Step 4: Provide notification to your current agent or company to cancel your current car insurance policy. Submit a signed application and payment to the new company. Once the application is submitted, put the new proof of insurance paperwork in an easily accessible location.
One key aspect when comparing rates is that you’ll want to make sure you compare identical deductibles and limits on each quote request and and to get prices from as many different companies as possible. Doing this enables a fair rate comparison and the best rate selection.
More detailed auto insurance information is available in these articles:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has Affordable Car Insurance for Hybrid Vehicles in Honolulu? (FAQ)
- How Much are Honolulu Auto Insurance Quotes for a Ford F-150? (FAQ)
- Who Has Affordable Car Insurance for Teenage Males in Honolulu? (FAQ)
- Collision Coverage (Liberty Mutual)
- Rental Reimbursement Coverage (Allstate)
- Eight Auto Insurance Myths (Insurance Information Institute)