Lincoln Navigator Insurance Quotes in El Paso

A recent survey discovered that the vast majority of consumers have stayed with the same insurance company for at least the last four years, and nearly 40% of drivers have never compared rate quotes at all. El Paso insurance shoppers could save almost 70% each year just by getting comparison quotes, but they just don’t understand the big savings they would realize if they replace their high priced policy.

To save the most money, the best way to find low-cost prices for Lincoln Navigator insurance is to start comparing prices yearly from different companies who provide auto insurance in El Paso.

• First, try to understand policy coverages and the things you can control to prevent expensive coverage. Many rating criteria that cause high rates such as traffic citations, accidents, and a not-so-good credit score can be remedied by being financially responsible and driving safely.
• Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO and State Farm, while agents who are independent can quote rates for a wide range of insurance providers.
• Third, compare the new quotes to your current policy premium to see if cheaper Navigator coverage is available in El Paso. If you can save some money and change companies, ensure coverage does not lapse between policies.
• Fourth, notify your current company of your intent to cancel your current auto insurance policy and submit a completed application and payment to your new agent or company. When you receive it, store the certificate verifying proof of insurance along with your vehicle registration.

An important bit of advice to remember is to compare the same level of coverage on each price quote and and to get rate quotes from all possible companies. Doing this guarantees an apples-to-apples comparison and a thorough price selection.

Our objective in writing this article is to help educate you on the best way to buy inexpensive insurance and how to save the most money. If you have insurance now, you will definitely be able to lower your rates using the concepts covered in this article. You just have to know the proper way to compare different rates online.

Get discounts on El Paso car insurance

Buying car insurance is not cheap, but there could be significant discounts that many consumers don’t even know exist. Certain credits will be shown when you quote, but a few must be asked about before you will receive the discount.

• ABS Brakes – Vehicles with ABS and/or traction control can reduce accidents and will save you 10% or more on Navigator insurance in El Paso.
• Membership in Organizations – Joining certain professional organizations may earn a discount on your next car insurance statement.
• Discounts for Federal Employees – Active or former government employment could cut as much as 10% off depending on your car insurance provider.
• Discount for Low Mileage – Keeping the miles down on your Lincoln may allow you to get lower prices on the low mileage vehicles.
• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Save with a New Car – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
• College Student – Older children living away from El Paso attending college and do not have access to a covered vehicle may be able to be covered for less.
• No Claim Discounts – Insureds who avoid accidents and claims pay much less in comparison with policyholders that have many claims.
• Bundled Policy Discount – If you combine your home and auto policies and place coverage with the same company you may earn approximately 10% to 15%.

Consumers should know that some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic. But all discounts should help lower the premium cost.

The illustration below illustrates the comparison of Lincoln Navigator car insurance costs with and without discounts applied. The rate quotes are based on a male driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, multi-policy, and safe-driver discounts applied.

Larger car insurance companies and their offered discounts are shown below.

• Progressive may have discounts that include multi-policy, online signing, multi-vehicle, good student, continuous coverage, and online quote discount.
• Farmers Insurance includes discounts for distant student, pay in full, bundle discounts, mature driver, early shopping, and homeowner.
• Farm Bureau may include discounts for good student, renewal discount, driver training, 55 and retired, and safe driver.
• State Farm discounts include good driver, student away at school, good student, Steer Clear safe driver discount, and multiple autos.
• GEICO offers premium reductions for daytime running lights, seat belt use, five-year accident-free, multi-vehicle, federal employee, and membership and employees.
• SAFECO offers discounts for anti-theft, safe driver, anti-lock brakes, homeowner, bundle discounts, and teen safety rewards.
• Liberty Mutual may offer discounts for hybrid vehicle, multi-car, new vehicle discount, preferred payment discount, newly married, teen driver discount, and new graduate.

When comparing rates, check with every insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not be available in El Paso. If you would like to view providers that offer the discounts shown above in Texas, click here.

Free El Paso Lincoln Navigator insurance quotes

The majority of larger companies allow you to get pricing from their websites. This process is very simple as you just enter your personal and coverage information as detailed in the form. When the form is submitted, their rating system gets your driving and credit reports and generates a price based on the data you entered. Getting online price quotes for Lincoln Navigator insurance in El Paso makes it easy to compare insurance prices and it’s very important to get many rate quotes if you are searching for cheaper rates.

To quickly find out what other companies charge, compare rates now from the companies shown below. If you have coverage now, it’s recommended you enter deductibles and limits exactly as shown on your declarations page. Doing this guarantees you will have a rate comparison for similar insurance coverage.

The companies in the list below provide free quotes in Texas. If several companies are displayed, we recommend you compare several of them in order to find the cheapest rates.

Rates and statistics

The coverage information below highlights a range of insurance policy prices for Lincoln Navigator models. Having knowledge of how insurance policy premiums are calculated helps drivers make smart choices when buying a policy.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in your specific El Paso location which can change price quotes considerably.

Deductible comparison

One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The data tables below can help show the rate fluctuation when you buy lower versus higher coverage deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in garaging location in El Paso which can influence coverage prices significantly.

We can estimate from the data above that using a $250 deductible would cost the average driver about $19 more each month or $228 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 13 months between claims, you would probably be better off if you opt for a higher deductible.

Annual premiums comparing men and women

The example below shows the difference between Lincoln Navigator insurance premiums for male and female drivers. The data assumes a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.

Cost comparison with and without full coverage

The chart below shows the comparison of Lincoln Navigator insurance costs with and without physical damage coverage. The price estimates are based on no accidents or driving violations, $100 deductibles, drivers are single, and no policy discounts are applied.

Guidelines for eliminating full coverage

There is no set guideline for excluding physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Lincoln Navigator replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after you pay the deductible. If premiums are more than $800 a year for full coverage, then you may need to consider dropping full coverage.

There are some cases where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not remove full coverage.

What Determines Lincoln Navigator Insurance Premiums?

Many factors are taken into consideration when quoting car insurance. A few of the factors are predictable like an MVR report, although some other factors are not quite as obvious like your vehicle usage or how financially stable you are.

• Credit score impact car insurance prices – Your credit score is likely to be a major factor in determining premium rates. If your credit history is lower than you’d like, you could pay less to insure your Lincoln Navigator if you clean up your credit. Consumers who have good credit tend to be better drivers and file fewer claims than those with poor credit scores.
• Prevent policy lapses – Driving without insurance coverage in place can get your license suspended and your next policy will cost more because you let your insurance coverage expire. Not only will rates go up, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license. You may need to file a SR-22 with the Texas motor vehicle department.

• Driving citations drive up rates – A bad driving record has a big impact on rates. Even one ticket can increase rates substantially. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Drivers who have careless violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.

  The diagram below shows how speeding tickets and at-fault accidents influence Lincoln Navigator auto insurance rates for each different age category. The information is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

• What are your physical damage deductibles? – The deductibles state the amount of money you are required to pay in the event of a claim. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered could be a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more money you choose to pay out-of-pocket, the lower your rates will be.

• Lincoln Navigator insurance loss data – Insurers include the past claim trends for vehicles when they file their rates in each state. Models that statistically have higher number or severity of losses will have higher premium rates.

  The information below illustrates the compiled insurance loss statistics for Lincoln Navigator vehicles. For each policy coverage, the loss probability for all vehicles combined as an average is represented as 100. Values under 100 indicate a favorable loss history, while values over 100 indicate a higher chance of having a claim or statistically larger claims.

  
  

  Car Insurance Loss Data for Lincoln Navigator Models

  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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Compare rates but still have a local El Paso insurance agency

Many drivers just prefer to have an agent’s advice and there is nothing wrong with that. Professional agents will help you protect your assets and will help you if you have claims. The biggest benefit of comparing rates online is the fact that you can find lower rates but still work with a licensed agent. And buying from neighborhood insurance agencies is definitely important in El Paso.

For easy comparison, once you complete this simple form, your insurance data is emailed to participating agents in El Paso who want to provide quotes for your insurance coverage. You won’t even need to find an agent on your own since price quotes are sent directly to your email. If you wish to compare prices from a specific company, feel free to go to their quote page and submit a quote form there.

If you want to buy insurance from a good El Paso insurance agent, it’s important to understand the types of agencies and how they are distinctly different. El Paso agents may be either exclusive or independent agents depending on their company appointments. Either can properly insure your vehicles, but it is a good idea to know how they are different because it may have an impact on buying decisions.

Independent Insurance Agencies

Agents that elect to be independent are normally appointed by many insurers so they can write business with multiple insurance companies and find you the best rates. If they find a lower price, the agent simply finds a different carrier and that require little work on your part.

If you are trying to find cheaper rates, we highly recommend that you check rates from at a minimum one independent agency so that you can do a thorough price comparison.

Featured below is a small list of independent agencies in El Paso that can possibly get you pricing information.

More El Paso agents

Exclusive Insurance Agents

Exclusive insurance agents can only place business with one company like American Family, State Farm, and AAA. Exclusive agents are unable to provide other company’s prices so keep that in mind. Exclusive agents are well schooled on their company’s products which helps them sell on service rather than price.

Listed below is a short list of exclusive agents in El Paso that are able to give price quotes.

More El Paso agents

Finding the right insurance agent needs to be determined by more than just a cheap price. Any agent in El Paso should be forthright in answering these questions:

• Are they actively involved in the community?
• Does the agency have a current Errors and Omissions policy?
• Is there a 24/7 contact number?
• What is their Better Business Bureau rating?
• Is insurance their full-time profession?
• Do you have coverage for a rental car if your vehicle is in the repair shop?

Upon getting acceptable answers as well as cheaper Navigator insurance quotes, most likely you have located a car insurance agent that meets the requirements to insure your vehicles.

Car insurance is not optional but you don’t have to overpay

Despite the fact that car insurance is not cheap in El Paso, insurance serves several important purposes.

First, most states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your vehicle with a loan, it’s guaranteed your bank will require that you have full coverage to guarantee loan repayment. If the policy lapses, the lender may have to buy a policy to insure your Lincoln at a much higher rate and make you pay much more than you were paying before.

Third, car insurance preserves both your assets and your vehicle. It will also reimburse you for medical bills for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance definitely exceed the price paid, especially if you ever need it. But the average driver in Texas is overpaying over $865 each year so shop around at every renewal to ensure rates are competitive.

Car insurance company ratings

Ending up with a good quality insurance provider can be challenging considering how many choices you have in El Paso. The company information shown below can help you pick which auto insurance companies you want to consider to insure your vehicles.

Top 10 El Paso Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 El Paso Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Affordable car insurance is out there

Budget-friendly car insurance in El Paso can be found both online in addition to local insurance agencies, and you need to comparison shop both to have the best selection. A few companies may not have online quoting and these smaller companies prefer to sell through independent agents.

We just presented many tips how you can reduce Lincoln Navigator insurance rates online in El Paso. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Drivers may even discover the biggest savings come from an unexpected company. These smaller insurers often have lower auto insurance rates on specific markets than the large multi-state companies such as Progressive or GEICO.

When shopping online for car insurance, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

Helpful resources

• What if I Can’t Find Coverage? (Insurance Information Institute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Bodily Injury Coverage (Liberty Mutual)
• Information for Teen Drivers (GEICO)
• Comprehensive Coverage (Liberty Mutual)