Would you like to stop overpaying and find cheaper car insurance rates in Tucson, AZ? Tucson consumers have lots of choices when looking for affordable Lincoln Navigator insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to compare rates. There is a right way and a wrong way to find car insurance online so you’re going to learn the best way to price shop coverage on a Lincoln and locate the best price possible.
Finding the cheapest insurance coverage in Tucson is much easier if you know where to start. If you already have coverage, you should be able to save money using the ideas covered in this article. Consumers just have to know the fastest way to compare rates over the internet.
Best companies for Lincoln Navigator insurance
The following companies provide price comparisons in Arizona. If you wish to find cheap car insurance in Tucson, we recommend you visit several of them to get the cheapest price.
Insurance statistics for a Lincoln Navigator
The rate information displayed next highlights estimates of insurance coverage prices for Lincoln Navigator models. Understanding how insurance policy premiums are established can be valuable when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $204 | $440 | $338 | $20 | $102 | $1,104 | $92 |
| Navigator 4WD | $204 | $440 | $338 | $20 | $102 | $1,104 | $92 |
| Navigator L 2WD | $224 | $440 | $338 | $20 | $102 | $1,124 | $94 |
| Navigator L 4WD | $224 | $440 | $338 | $20 | $102 | $1,124 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in zip code location which can affect coverage rates greatly.
Age, gender, and Lincoln Navigator insurance
The information below compares Lincoln Navigator insurance costs for male and female drivers. The information is based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Tucson Insurance Costs are Influenced by These Factors
Consumers need to have an understanding of some of the things that help calculate your premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that could result in much lower annual insurance costs. Lots of factors are part of the calculation when pricing auto insurance. Some are pretty understandable such as traffic violations, although others are more obscure such as your marital status or how financially stable you are.
The following are some of the most common factors utilized by car insurance companies to help set premiums.
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High performance vehicles cost more to insure – The performance level of the car you need insurance for makes a big difference in your rates. The lowest premiums will normally be found when insuring lower cost passenger cars, but the final cost of insurance is determined by many other factors.
The chart below is based on a single female driver age 50, full coverage with $500 deductibles, and no discounts or violations. It compares Lincoln Navigator rates compared to other models that have a range of performance risks.
- Low credit history equals high rates – An insured’s credit rating factor in determining what you pay. If your credit score could use some work, you could be paying less to insure your Lincoln Navigator by improving your credit score. Insureds that have good credit tend to be more responsible and file fewer claims than drivers with bad credit.
- Safer the car lower the rate – Cars with five star safety ratings can get you lower premiums. Safer cars help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Lincoln Navigator is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
- Bump up deductibles to lower rates – The deductibles define how much you are required to spend if a claim is determined to be covered. Insurance for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some instances where coverage would apply are colliding with a stationary object, collision with a deer, or theft of your vehicle. The more money you choose to pay out-of-pocket, the better rate you will receive.
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Lincoln Navigator claim data – Insurers analyze past claim statistics to calculate a rate that will offset losses. Vehicles that tend to have high amounts or severity of claims will cost more for specific coverages. The next table shows the actual insurance loss data for Lincoln Navigator vehicles.
For each coverage category, the claim probability for all vehicles, as a total average, is equal to 100. Numbers below 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate more frequent claims or statistically larger claims.
Insurance Loss Ratings for Lincoln Navigator Vehicles 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance quotes and discounts
Car insurance can cost a lot, but you may qualify for discounts that many people don’t even know exist. A few discounts will automatically apply at quote time, but less common discounts must be inquired about before you get the savings.
- Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
- No Claims – Good drivers with no accidents pay less when compared with drivers with a long claim history.
- Employee of Federal Government – Having worked for a branch of the government could cut as much as 10% off depending on your car insurance provider.
- Life Insurance Discount – Select insurance companies reward you with a break if you buy some life insurance in addition to your auto policy.
- New Car Discount – Buying car insurance coverage on a new vehicle can cost up to 25% less because new model year vehicles are generally safer.
- Service Members Pay Less – Being on active duty in the military could mean lower premium rates.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and that can save you a little bit as well.
- More Vehicles More Savings – Having primary and secondary vehicles on a single policy can get a discount on all vehicles.
Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.
The diagram below illustrates the comparison of Lincoln Navigator premium costs with and without discounts being applied to the rates. The rates are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, safe-driver, and claim-free discounts applied.
A list of car insurance companies and their offered discounts are shown below.
- GEICO offers discounts for multi-vehicle, federal employee, military active duty, anti-theft, five-year accident-free, good student, and multi-policy.
- Mercury Insurance discounts include multi-car, anti-theft, good student, location of vehicle, multi-policy, type of vehicle, and annual mileage.
- Farmers Insurance policyholders can earn discounts including electronic funds transfer, mature driver, business and professional, distant student, early shopping, and homeowner.
- Auto-Owners Insurance includes discounts for anti-lock brakes, paperless, student away at school, mature driver, air bags, and group or association.
- Liberty Mutual offers premium reductions for new graduate, exclusive group savings, good student, multi-car, multi-policy, and newly married.
- SAFECO offers discounts including anti-lock brakes, multi-car, homeowner, drive less, accident prevention training, teen safety rewards, and anti-theft.
- Progressive may offer discounts for online signing, homeowner, continuous coverage, multi-policy, online quote discount, multi-vehicle, and good student.
- USAA has discounts for annual mileage, loyalty savings, military installation, new vehicle, and multi-policy.
Check with every insurance company how you can save money. Some of the discounts discussed earlier may not be available in Tucson.
Get rate quotes but work with a local Tucson insurance agent
Some consumers prefer to go talk to an agent and often times that is recommended Good agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of comparing car insurance online is you may find the best rates and still have a local agent.
After filling out this simple form, your coverage information is instantly submitted to insurance agents in Tucson who will give competitive quotes for your coverage. You never need to find an agent on your own since rate quotes are delivered immediately to your email address. If you want to compare prices from a specific car insurance provider, you just need to find their quoting web page and complete a quote there.
Finding a good insurance company requires you to look at more than just a low price. You should also get answers to these questions.
- Can glass claims be handled at your home?
- Is assistance available after office hours?
- Are there any discounts for paying up front?
- Which company do they place the most coverage with?
- Do you need full coverage on every vehicle?
- What insurance companies do they recommend if they are an independent agent?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is the quote a firm price?
When searching for a reputable agency, it helps to know the two types of agencies and how they operate. Agents can be classified as either exclusive agents or independent agents. Either can write policy coverage, but it’s good to learn the differences because it can impact buying decisions.
Exclusive Insurance Agents
Exclusive agencies can only write with one company such as Farmers Insurance, American Family, State Farm and Allstate. They are unable to compare other company’s rates so they really need to provide good service. Exclusive insurance agents are well schooled in insurance sales and that allows them to sell at a higher price point. Consumers frequently buy from exclusive agents mostly because of loyalty to the company and strong financial ratings.
Below is a short list of exclusive agents in Tucson who can help you get comparison quotes.
- Casey Santoro – State Farm Insurance Agent
4231 W Ina Rd Ste 121 – Tucson, AZ 85741 – (520) 744-2400 – View Map - American Family Insurance – Marla Avina Agency Inc.
1101 S Sherwood Village Dr – Tucson, AZ 85710 – (520) 546-8877 – View Map - Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016 – View Map
Independent Car Insurance Agents
Independent agents are not locked into one company so they can write business with any number of different companies and potentially find a lower price. If premiums increase, the business is moved internally and that require little work on your part.
When comparing car insurance rates, you should always get insurance quotes from at a minimum one independent agency to maximize your price options. Most also write with lesser-known insurance companies which can be an advantage.
Below is a short list of independent insurance agencies in Tucson that are able to give price quote information.
- Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900 – View Map - The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737 – View Map - Clements
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456 – View Map
Do the work, save more money
People who switch companies do it for any number of reasons including being labeled a high risk driver, delays in responding to claim requests, policy cancellation and even high rates after DUI convictions. Regardless of your reason for switching companies, finding the right insurance provider is less work than it seems.
We just presented a lot of information how to shop for Lincoln Navigator insurance online. The key concept to understand is the more price quotes you have, the higher your chance of finding the cheapest Lincoln Navigator rate quotes. Drivers may even discover the lowest car insurance rates are with a company that doesn’t do a lot of advertising.
Some insurance companies may not offer the ability to get a quote online and most of the time these small insurance companies provide coverage only through local independent agents. Affordable Lincoln Navigator insurance in Tucson is attainable on the web as well as from independent agents in Tucson, and you need to comparison shop both to have the best rate selection.
How to find better rates for Lincoln Navigator insurance in Tucson
If you want to find the absolute lowest rates, then the best way to get budget auto insurance rates is to regularly compare prices from insurers in Tucson. Prices can be compared by completing these steps.
- Step 1: Try to understand car insurance and the things you can control to drop your rates. Many rating factors that result in higher prices such as accidents, traffic tickets, and a less-than-favorable credit history can be improved by improving your driving habits or financial responsibility.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from multiple companies.
- Step 3: Compare the price quotes to your existing rates and see if you can save money. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
A key point to remember is to try to compare the same physical damage deductibles and liability limits on each quote request and and to get rates from every company you can. Doing this enables a fair price comparison and a complete rate analysis.
Much more information about insurance in Arizona is available below:
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Nurses in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers Under 21 in Tucson? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Think You’re a Safe Driver? (State Farm)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)