Discount Lincoln Navigator insuranceAre you at wits end from wondering where the money will come from to buy auto insurance? You have the same problem as many other Indiana consumers.

Astonishing but true, the vast majority of auto insurance customers in Indiana have purchased from the same company for over three years, and roughly 40% of drivers have never quoted rates to find affordable coverage. Many drivers in the United States could save $860 each year just by comparing rates, but most just don't grasp how much money they would save if they moved their coverage to a different company.

There are many insurance companies to pick from, and although it's nice to have a choice, more choices can make it harder to compare rates and cut insurance costs.

It is always a good idea to get comparison quotes yearly because auto insurance prices are constantly changing. Even if you think you had the best deal on Lincoln Navigator insurance in Indianapolis two years ago you will most likely find a better rate quote today. There is lot of inaccurate information about Navigator insurance out there, but I'm going to show you some excellent ideas to find cheap auto insurance in Indianapolis.

Shopping around for the best coverage in Indianapolis is quite easy. Just about each driver who needs cheaper insurance should find a cheaper policy. Although Indiana drivers need to have an understanding of the way companies price insurance differently and use this information to your advantage.

Best companies for cheap Lincoln Navigator insurance in Indiana

The companies shown below provide price quotes in Indiana. If multiple providers are shown, we recommend you click on several of them in order to find the most competitive rates.

Lincoln Navigator Insurance Price Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $188 $384 $380 $22 $114 $1,088 $91
Navigator 4WD $132 $266 $270 $16 $80 $764 $64
Navigator L 2WD $294 $570 $340 $20 $102 $1,326 $111
Navigator L 4WD $258 $486 $294 $18 $88 $1,144 $95
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific zip code location which can impact premiums considerably.

An analysis of deductible level

The information below demonstrates how choosing different deductibles and can influence Lincoln Navigator insurance prices for each age group. The rate quotes are based on a single male driver, comp and collision included, and no other discounts are factored in.

These seven discounts can slash Lincoln Navigator insurance rates

Companies that sell car insurance don't always publicize the entire discount list very clearly, so we researched both the well known and also the lesser-known discounts you could be receiving when you buy Indianapolis auto insurance online. If you aren't receiving every discount possible, you are not getting the best rate possible.

Keep in mind that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way.

A few popular companies and a summarized list of policyholder discounts are shown below.

If you want affordable Lincoln Navigator insurance quotes, ask every insurance company how you can save money. Some discounts listed above may not apply to policies in your state.

When to contact a local insurance agent

Some people would prefer to get professional advice from a licensed agent and there is nothing wrong with that. A nice benefit of comparing rates online is the fact that you can find cheap car insurance quotes but still work with a licensed agent. Buying insurance from neighborhood agents is still important in Indianapolis.

Insurance agency in IndianapolisAfter filling out this simple form, your insurance data is immediately sent to insurance agents in Indianapolis who will give you bids for your car insurance coverage. You won't even need to search for any insurance agencies because prices are sent immediately to you. You can find the lowest rates without a big time investment. If you need to quote rates for a specific company, feel free to find their quoting web page and give them your coverage information.

Multiple types of auto insurance agents in Indianapolis

When researching a reliable insurance agency, you need to know there are two different agency structures that you can choose from. Car insurance agencies are either exclusive or independent.

Independent Agents

These agents do not write with just one company and that is an advantage because they can write policies through many different car insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, your policy is moved internally and you can keep the same agent. If you are comparing car insurance prices, you will want to contact a couple of independent agencies for the best price selection.

Featured below are Indianapolis independent agencies who may provide free price quotes.


8000 S Meridian St - Indianapolis, IN 46217 - (317) 888-6007 - View Map


360 Gradle Dr - Carmel, IN 46032 - (317) 848-4400 - View Map


355 Indiana Ave - Indianapolis, IN 46204 - (317) 464-5000 - View Map

More insurance agents

Exclusive Insurance Agencies

Agents of this type can usually just insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to compare rates from other companies so keep that in mind. These agents are highly trained on what they offer which helps them sell on service rather than price.

Listed below are exclusive agencies in Indianapolis that can give you price quotes.


3955 Eagle Creek Pkwy E - Indianapolis, IN 46254 - (317) 297-3804 - View Map


9423 Pendleton Pike - Indianapolis, IN 46236 - (317) 897-6129 - View Map


8610 E Washington St - Indianapolis, IN 46219 - (317) 898-2626 - View Map

More insurance agents

Choosing the best auto insurance agent is decision based upon more than just a cheap price. Agents should be asked these questions:

Upon getting positive feedback to your questions and a good coverage price, you may have found an auto insurance agent that meets the requirements to insure your vehicles. Just be aware that you have the power to cancel a policy whenever you choose to so don't assume that you are obligated to a specific company with no way to switch.

Slick advertising tricks that work

Well-known car insurance companies like State Farm and Allstate regularly use ads on TV and radio. All the ads say the same thing that you can save if you change your car insurance policy to them. It sounds good, but how can they all give you a better price on Lincoln Navigator insurance in Indianapolis? Just pay attention to how they say it.

All the different companies have specific characteristics for the type of driver that earns them the most money. For example, this type of insured might be between the ages of 30 and 50, owns their home, and has a short commute. A propective insured that matches those criteria will get a cheap rate quote in Indianapolis and as a result will probably save if they switch.

Potential customers who are not a match for those criteria will probably have to pay higher premiums which translates to the prospect going elsewhere. The wording the ads use say "people that switch" not "everyone that quotes" save the amount stated. That is how insurance companies can make it sound like they have such great rates.

This really illustrates why drivers must compare quotes as often as possible. It's just not possible to know which company will give you lower prices than your current company.

Insurance coverages 101

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills such as dental work, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, vandalism, rock chips in glass and falling objects. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage

This protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle's damage.

Because many people have only the minimum liability required by law (Indiana limits are 25/50/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability insurance

Liability insurance can cover damage that occurs to other people or property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/10 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical services, repair costs for stationary objects, funeral expenses and court costs. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible. Indiana requires drivers to carry at least 25/50/10 but you should consider buying more liability than the minimum.

Auto collision coverage

Collision coverage will pay to fix damage to your Navigator resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, crashing into a ditch, hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your Navigator to save money on collision insurance.

Cheap insurance is out there

Lower-priced Lincoln Navigator insurance in Indianapolis can be purchased from both online companies in addition to local insurance agencies, so you need to shop Indianapolis auto insurance with both to have the best chance of lowering rates. A few companies may not provide online price quotes and most of the time these small insurance companies sell through independent insurance agents.

We just presented many ways to compare Lincoln Navigator insurance rates in Indianapolis. The key concept to understand is the more companies you get car insurance rates for, the higher the chance of saving money. You may even discover the lowest rates come from the least-expected company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

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