The best way we recommend to find cheaper quotes for Lincoln Navigator insurance is to compare quotes once a year from insurers who can sell car insurance in Lubbock. This can be done by completing these steps.
- Take a few minutes and learn about what is in your policy and the things you can change to drop your rates. Many policy risk factors that are responsible for high rates such as speeding tickets, accidents and poor credit rating can be amended by making minor changes to your lifestyle.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can provide prices for a wide range of companies.
- Compare the new rate quotes to your existing rates and see if you can save money. If you can save money and buy the policy, verify that coverage does not lapse between policies.
One bit of advice is to use similar deductibles and liability limits on every quote and and to get rates from every insurance company. This provides a fair rate comparison and a complete selection of prices.
Astonishing but true according to a recent study, about 70% of customers have purchased from the same company for more than four years, and 38% of drivers have never compared rates to find affordable insurance. Most drivers in the U.S. could cut their rates by nearly $850 a year, but they just don’t understand how easy it is to go online and compare rates.
The quickest method to compare policy rates for Lincoln Navigator insurance in Lubbock takes advantage of the fact most insurance companies provide online access to compare their rates. To start a quote, the only thing you need to do is provide information such as marital status, deductibles desired, how much education you have, and what you do for a living. The rating information is instantly sent to all major companies and they return cost estimate instantly to find the best rate.
To compare rates for your Lincoln Navigator now, click here and see if a lower rate is available in Lubbock.
The car insurance companies shown below have been selected to offer quotes in Lubbock, TX. If your goal is to find cheaper car insurance in Lubbock, it’s highly recommended you click on several of them to get a more complete price comparison.
Lubbock insurance discounts
Some providers don’t always list the entire discount list very clearly, so the list below contains both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy Lubbock car insurance online.
- Defensive Driver Discounts – Taking a defensive driving course could cut 5% off your bill and easily pay for the cost of the class.
- Low Mileage – Fewer annual miles on your Lincoln can qualify you for lower rates due to less chance of an accident.
- E-sign Discounts – A few larger companies will provide an incentive just for signing your application online.
- Drive Safe and Save – Safe drivers may receive a discount up to 45% compared to accident prone drivers.
- Early Signing – Select larger companies give a discount for buying a policy prior to the expiration date on your current Navigator insurance policy. It can save you around 10%.
- Save with More Vehicles Insured – Buying insurance for several vehicles on one policy can reduce the rates for all insured vehicles.
A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, you aren’t that lucky. But all discounts will reduce your policy cost.
The example below shows the comparison of Lincoln Navigator car insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-policy, and multi-car discounts applied.
Popular insurance companies and some of their more popular discounts are:
- GEICO has savings for driver training, membership and employees, air bags, federal employee, good student, and seat belt use.
- MetLife has discounts for good driver, good student, accident-free, defensive driver, claim-free, and multi-policy.
- State Farm may have discounts that include defensive driving training, safe vehicle, Drive Safe & Save, student away at school, and multiple policy.
- Progressive includes discounts for homeowner, online signing, multi-policy, multi-vehicle, online quote discount, good student, and continuous coverage.
- Mercury Insurance may offer discounts for professional/association, annual mileage, multi-car, good student, low natural disaster claims, and anti-theft.
- 21st Century offers premium reductions for air bags, defensive driver, theft prevention, teen driver, and good student.
- Allstate policyholders can earn discounts including EZ pay plan discount, 55 and retired, safe driver, premier discount, premier plus, FullPay discount, and anti-lock brakes.
If you need lower rates, check with each company which credits you are entitled to. Savings may not apply to policies in Lubbock. If you would like to choose from a list of insurers that can offer you the previously mentioned discounts in Lubbock, follow this link.
Facts and figures for Lincoln Navigator insurance
The information shown below highlights a range of coverage costs for Lincoln Navigator models. Knowing how insurance policy premiums are formulated is important for making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $292 | $532 | $388 | $24 | $116 | $1,352 | $113 |
| Navigator 4WD | $292 | $532 | $388 | $24 | $116 | $1,352 | $113 |
| Navigator L 2WD | $322 | $532 | $388 | $24 | $116 | $1,382 | $115 |
| Navigator L 4WD | $322 | $532 | $388 | $24 | $116 | $1,382 | $115 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in specific garaging location which can raise or lower coverage rates greatly.
Insurance deductibles
When shopping for insurance, a common question is how high should the physical damage coverage deductibles be. The comparisons below approximate the rate difference when you buy lower versus higher physical damage deductibles. The first data set uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Navigator 4WD | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Navigator L 2WD | $454 | $804 | $382 | $22 | $114 | $1,801 | $150 |
| Navigator L 4WD | $454 | $804 | $382 | $22 | $114 | $1,801 | $150 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Navigator 4WD | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Navigator L 2WD | $252 | $424 | $382 | $22 | $114 | $1,194 | $100 |
| Navigator L 4WD | $252 | $424 | $382 | $22 | $114 | $1,194 | $100 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in specific location which can increase or decrease prices noticeably.
Based on the figures above, using a $100 deductible could cost the average driver approximately $50 more each month or $600 every year averaged for all Navigator models than opting for the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 18 months between claim filings, you would probably save some money if you opt for a higher deductible.
Lincoln Navigator liability-only versus full coverage
The example below compares Lincoln Navigator annual premium costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Should you be buying full coverage?
There is no set rule of when to exclude physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Lincoln Navigator claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $2,000 after you pay the deductible. If you are paying more than $200 annually for full coverage, then it may be the right time to buy liability only.
There are some circumstances where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Get Cheap Insurance Prices by Understanding These Factors
It’s important that you understand the rating factors that are used to determine the rates you pay for auto insurance. If you have a feel for what determines premiums, this allows you to make educated decisions that could help you find much lower annual insurance costs. Lots of things are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving history, although others are more transparent like where you live and annual miles driven.
The following are some of the factors utilized by car insurance companies to help set your rate level.
- Rate your vehicle for proper use – The more you drive annually the more you’ll pay to insure your vehicle. Many insurance companies charge to insure your cars based on how the vehicle is used. Cars not used for work or commuting cost less to insure than cars that get driven a lot. It’s a smart idea to ensure your auto insurance declarations sheet states the correct usage. An incorrectly rated Navigator may be costing you.
- Consolidating policies can get discounts – Most major insurers will give better rates for people who carry more than one policy, otherwise known as a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount applied, you may still want to compare other Lubbock Navigator insurance rates to help guarantee you have the best rates.
- Safer vehicles means lower auto insurance rates – Safer cars get lower rates. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies which can result in lower premiums.
- No policy lapses lowers auto insurance rates – Going without insurance will be a fast way to bump up your auto insurance costs. In addition to paying higher premiums, failure to provide proof of insurance may earn you fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department to get your license reinstated.
- Does your employer cost you more? – Did you know your auto insurance rates can be affected by your occupation? Occupations like doctors, business owners, and emergency personnel have higher rates than average because of stressful work requirements and incredibly demanding work hours. On the flip side, jobs like farmers, students and performers have lower than average premiums.
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Premiums increase with driving tickets – Your driving record impacts premiums far more than you think. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Just one moving violation could increase your next policy renewal twenty percent or more. People who have careless violations such as DUI or reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.
The illustration below illustrates how violations and accident claims influence Lincoln Navigator insurance costs for each age group. The premiums assume a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.
- City dwellers may pay more – Being located in smaller towns and rural areas of the country may provide you with better prices when buying auto insurance. Fewer drivers and short commutes means reduced accidents in addition to lower liability claims. People in densely populated areas have more aggressive driving styles and more time behind the wheel. More time behind the wheel means more chance of being in an accident.
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Lincoln Navigator insurance loss statistics – Insurance companies include the past claim history for a vehicle to help calculate premium rates. Vehicles that the statistics show to have higher losses will have a higher premium rate.
The data below shows the compiled insurance loss statistics for Lincoln Navigator vehicles. For each coverage category, the loss probability for all vehicles, regardless of make or model, is set at 100. Values that are below 100 imply a favorable loss record, while values that are above 100 point to more claims or an increased chance of larger losses than average.
Lincoln Navigator Insurance Claim Statistics Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local agents and car insurance
Some people just prefer to sit down and talk to an agent and doing so can bring peace of mind Professional insurance agents can help you build your policy and help submit paperwork. One of the great benefits of getting free rate quotes online is the fact that drivers can get cheap car insurance quotes and also buy local. And providing support for local insurance agents is important particularly in Lubbock.
To help locate an agent, after submitting this simple form, your information is emailed to agents in your area that can give you free Lubbock car insurance quotes for your business. There is no reason to contact any insurance agencies since rate quotes are delivered to you instantly. In the event you want to compare rates from a specific insurance company, you would need to go to their quote page and complete a quote there.
When researching a local Lubbock insurance agent, there are a couple of types of insurance agents and how they work. Car insurance agencies are categorized either exclusive or independent agents depending on their company appointments. Both types can sell car insurance policies, but it’s good to learn the difference between them since it can affect the selection process.
Independent Agents
Agents in the independent channel often have affiliation with several companies so as a result can place your coverage through lots of different companies and find the cheapest car insurance rates. If they find a lower price, the agent simply finds a different carrier without you having to go to a different agency.
When comparing rate quotes, you definitely need to get some free quotes from a couple of independent agencies to get the most accurate price comparison. Most can insure with smaller companies that can offer cheaper rates than bigger companies.
Listed below are independent agents in Lubbock that can possibly get you rate quotes.
- Ince Insurance Inc
7005 Salem Park Dr – Lubbock, TX 79424 – (806) 797-4131 – View Map - Insurance Partners
7335 82nd St # 4 – Lubbock, TX 79424 – (800) 701-5909 – View Map - Alan Henry Insurance Agency
3405 19th St – Lubbock, TX 79410 – (806) 792-3771 – View Map
Exclusive Car Insurance Agents
Agents that elect to be exclusive are contracted to one company and some examples include AAA, Allstate, and State Farm. They usually cannot shop your coverage around so keep that in mind. Exclusive agencies are well schooled in insurance sales which aids in selling service over price. Consumers sometimes buy from exclusive agents mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive insurance agents in Lubbock that are able to give price quotes.
- Allstate Insurance Agent: Russell Donaway
2321 50th St Ste C – Lubbock, TX 79412 – (806) 799-4600 – View Map - Lisa Caldwell – State Farm Insurance Agent
2418 19th St – Lubbock, TX 79401 – (806) 799-1628 – View Map - Mike Fox – State Farm Insurance Agent
5910 130th St #101 – Lubbock, TX 79424 – (806) 701-5234 – View Map
Picking the best insurance agent requires more thought than just the bottom line cost. The answers to these questions are important, too.
- Does the agency have a good rating with the Better Business Bureau?
- How long has their agency been in business in Lubbock?
- How much experience to they have in personal lines coverages?
- Will their companies depreciate repairs to your car based on the mileage?
- Is the quote a firm price?
- Which members of your family are coverage by the policy?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are they giving you every discount you deserve?
After receiving positive feedback to your questions and an acceptable price quote, most likely you have located an insurance agent that meets your needs to properly insure your vehicles.
What is the best auto insurance company in Lubbock?
Picking the top insurance provider is difficult considering how many different companies there are to choose from in Lubbock. The company information in the lists below can help you select which auto insurance companies you want to consider when comparing rate quotes.
Top 10 Lubbock Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Get the best coverage at the best price
Budget-friendly insurance in Lubbock is available from both online companies and from local insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies don’t offer internet price quotes and many times these regional insurance providers only sell through independent agents.
In this article, we presented a lot of ways to shop for Lincoln Navigator insurance online. The key concept to understand is the more providers you compare, the better likelihood of getting cheaper Lubbock car insurance quotes. Drivers may even discover the best car insurance rates are with a company that doesn’t do a lot of advertising.
Insureds who switch companies do it for any number of reasons including denial of a claim, delays in paying claims, lack of trust in their agent and even poor customer service. Whatever your reason, switching insurance companies can be easier than you think.
For more information, feel free to visit the resources below:
- Rental Car Insurance Tips (Insurance Information Institute)
- Who Has Affordable Lubbock Car Insurance for a Toyota Tundra? (FAQ)
- Who Has the Cheapest Lubbock Auto Insurance Quotes with Multiple Speeding Tickets? (FAQ)
- Who Has Affordable Lubbock Auto Insurance Quotes After a Speeding Ticket? (FAQ)
- Who Has Cheap Lubbock Auto Insurance Quotes for Handicapped Drivers? (FAQ)
- What Car Insurance is Cheapest for 4×4 Vehicles in Lubbock? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)