Save on Lincoln Navigator Insurance in Tampa

Statistics show that most car insurance customers have remained with the same car insurance company for at least the last four years, and about 40% of consumers have never even compared quotes to find affordable rates. Tampa drivers could cut their rates by almost $1,126 a year by just comparing rate quotes, but they think it’s difficult to compare rate quotes.

The easiest way to get the cheapest Lincoln Navigator insurance in Tampa is to start comparing rates regularly from providers in Florida.

• Step 1: Try to learn about what is in your policy and the modifications you can make to prevent expensive coverage. Many risk factors that cause rate increases such as high-risk driving behaviors and poor credit can be rectified by making minor changes to your lifestyle. Later in this article we will cover more ideas to find cheap rates and earn larger discounts.
• Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while agents who are independent can give you price quotes from many different companies. View companies
• Step 3: Compare the new rate quotes to the price on your current policy to determine if you can save on Navigator insurance in Tampa. If you find a lower rate and make a switch, make sure coverage does not lapse between policies.
• Step 4: Provide adequate notice to your current company to cancel your current policy and submit the application along with any required down payment to your new insurance company. Immediately put the proof of insurance paperwork with your vehicle’s registration.

One important bit of advice is to use the same deductibles and limits on every quote and and to get price estimates from as many auto insurance providers as possible. This helps ensure the most accurate price comparison and the best rate selection.

Get Cheaper Auto Insurance with These Tips

Lots of things are part of the calculation when premium rates are determined. Some are obvious like an MVR report, but some are less apparent like where you live or how safe your car is. Consumers need to have an understanding of the rating factors that are used to determine auto insurance rates. When you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to lower auto insurance prices.

• No policy lapses lowers rates – Driving without insurance coverage in place is against the law and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, not being able to provide proof of insurance may earn you a license revocation or jail time.
• Theft deterrents save – Choosing a vehicle that has an advanced theft prevention system can earn a premium discount. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft and help bring rates down.
• Low stress occupation equals lower rates – Careers such as military personnel, architects, and dentists tend to have higher premiums than the average policyholder in part from job stress and lots of time spent away from family. On the other hand, careers like actors, athletes and performers have the lowest average rates.

• More performance means higher costs – The make and model of the vehicle you need insurance for makes a substantial difference in your rates. The most favorable rates tend to be for smaller low performance passenger vehicles, but there are many factors that impact the final cost.

  The next chart uses these variables: single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Lincoln Navigator car insurance rates compared to other makes and models that have different performances.

• Buy as much liability protection as you can afford – Liability coverage will afford coverage when you are ruled to be at fault for causing damage or personal injury in an accident. This coverage provides legal defense coverage to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
• Frequent insurance claims will cost more – If you file claims often, you shouldn’t be surprised to get either policy cancellation or increased premiums. Companies in Florida provide better rates to drivers who are not frequent claim filers. Your car insurance is intended for claims that you cannot pay yourself.

• Lincoln Navigator statistical loss data – Companies take into consideration historical loss data for every vehicle when determining insurance rates. Vehicles that the statistics show to have increased losses will have a higher cost to insure. The next table shows the historical loss data for Lincoln Navigator vehicles.

  For each type of coverage, the claim probability for all vehicles, regardless of manufacturer or model, is a value of 100. Numbers shown that are under 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate higher probability of having a loss or tendency to have larger claims.

  
  

  Lincoln Navigator Insurance Loss 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

All major insurance companies such as State Farm, Allstate and GEICO make it easy to get prices direct online. Getting Lincoln Navigator insurance prices online doesn’t take much effort as you simply type in the coverage amounts you desire into the quote form. Behind the scenes, the system will obtain information on your driving record and credit history and returns a price quote.

Using the web to get price quotes for Lincoln Navigator insurance in Tampa makes comparing rates easy, and it’s necessary to have as many quotes as possible if you want to find lower-cost insurance pricing.

To quickly find out how much you can save on insurance, take a look at the companies shown below. If you have a policy now, it’s recommended you replicate the coverage information exactly as they are listed on your policy. This way, you will be getting a fair comparison using the same coverage and limits.

The companies shown below can provide price comparisons in Tampa, FL. If your goal is to find cheap auto insurance in Tampa, we recommend you visit several of them to get a more complete price comparison.

Insurance analysis for a Lincoln Navigator

The coverage table shown next highlights estimates of policy rates for Lincoln Navigator models. Having a good understanding how insurance prices are established can aid in making smart choices when buying a policy.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates significantly.

Where to set your deductibles

One of the most common insurance questions is where to set your physical damage deductibles. The rates below approximate the cost difference between high and low comp and collision deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in garaging location in Tampa which can increase or decrease rates considerably.

Based on this data, using a $250 deductible costs an average of $20 more each month or $240 for a full year across all Lincoln Navigator models than requesting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 13 months between claim filings, you would probably be better off if you choose the higher deductible.

One important caveat is that a higher deductible level means you will have to cover more of the damage yourself when you have to file a claim. That will necessitate some savings in the event you need to pay the higher deductible.

How accidents and violations affect rates in Tampa

The chart below illustrates how violations and accidents impact Lincoln Navigator insurance premiums for each different age group. The data is based on a married female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Lincoln Navigator insurance costs by gender and age in Tampa

The information below shows the difference between Lincoln Navigator annual premium costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Three reasons auto insurance is important

Even though it’s not necessarily cheap to insure a Lincoln in Tampa, insuring your vehicle is required for several reasons.

First, just about all states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your car, most lenders will make it mandatory that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may insure your Lincoln at a much higher rate and force you to pay for the much more expensive policy.

Third, insurance protects both your Lincoln Navigator and your assets. It also can pay for medical bills for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees in the event you are sued. If you have damage to your Lincoln as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance are definitely more than the cost, especially for larger claims. According to a 2015 survey, the average American driver is wasting up to $830 a year so shop around at least once a year to save money.

Get cheaper rates with discounts

Auto insurance companies don’t always list every discount available very clearly, so the list below gives a summary of a few of the more well known and the harder-to-find credits that you can use to lower your rates.

• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• Paperwork-free – A few larger online companies will provide an incentive for buying your policy on the web.
• Save with a New Car – Insuring a new Navigator can get you a discount because newer models are generally safer.
• Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
• Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
• Tampa Homeowners Discount – Just being a homeowner can save a few bucks since home ownership is proof of financial responsibility.
• Federal Government Employee – Employees or retirees of the government can save as much as 8% with a few insurance companies.

A quick disclaimer, most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you can get free auto insurance, you’re out of luck.

The chart below compares Lincoln Navigator car insurance costs with and without discounts applied. The information is based on a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, safe-driver, multi-car, and claim-free discounts applied.

A partial list of companies who might offer most of these discounts are:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

When getting free Tampa auto insurance quotes, it’s a good idea to all the companies to apply every possible discount. Some discounts may not apply in Tampa. For a list of companies offering insurance discounts in Florida, click here to view.

Compare rate quotes but buy from a local Tampa insurance agent

Some people would rather sit down and talk to an agent and we recommend doing that Good agents can answer important questions and help you file claims. A nice benefit of comparing insurance prices online is that you can obtain cheap rate quotes and also buy local.

After completing this quick form, the quote information is immediately sent to participating agents in Tampa who will give you bids for your car insurance coverage. It simplifies rate comparisons since you won’t have to find an agent because prices are sent immediately to you. In the event you want to get a comparison quote from one company in particular, you just need to visit that company’s website and fill out their quote form.

Choosing an company needs to be determined by more than just the price. Any agent in Tampa should be forthright in answering these questions:

• If independent agents, which companies do they recommend?
• Are they paid to recommend certain coverages?
• Does the agent help file claims?
• Is vehicle damage repaired with OEM or aftermarket parts?
• What are the financial ratings for the companies they represent?
• How much can you save by raising your physical damage deductibles?
• How does the company pay claims for a total loss?
• Which insurance companies are they affiliated with?

After talking to the agent and getting acceptable answers to your questions in addition to an acceptable price estimate, it’s a good possibility that you have found an insurance company that meets the requirements to insure your vehicles.

Cheaper car insurance is a realistic goal

We just covered many tips how you can reduce Lincoln Navigator insurance auto insurance rates online in Tampa. The key concept to understand is the more companies you get premium rates for, the better likelihood of getting affordable Lincoln Navigator insurance quotes. Drivers may even discover the best price on car insurance is with the smaller companies.

Consumers who switch companies do it for a number of reasons such as high prices, poor customer service, policy cancellation and lack of trust in their agent. It doesn’t matter what your reason, choosing a new company can be easier than you think.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice physical damage coverage only to regret at claim time they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

Additional information is available at these links:

• Where can I buy Insurance? (Insurance Information Institute)
• What Car Insurance is Cheapest for Single Moms in Tampa? (FAQ)
• Who Has Cheap Car Insurance Rates for Drivers with a Bad Driving Record in Tampa? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Immigrants in Tampa? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Drivers Over Age 70 in Tampa? (FAQ)
• Who Has Cheap Tampa Auto Insurance for Retired Military? (FAQ)
• How Much are Tampa Auto Insurance Rates for a GMC Sierra? (FAQ)
• Alcohol Impaired Driving FAQ (iihs.org)
• Drunk Driving Statistics (Insurance Information Institute)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• Insurance Losses by Make and Model (iihs.org)