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.

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

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.

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.

Lincoln Navigator Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $286 $464 $546 $32 $164 $1,492 $124
Navigator 4WD $286 $464 $546 $32 $164 $1,492 $124
Navigator L 2WD $314 $464 $546 $32 $164 $1,520 $127
Navigator L 4WD $314 $464 $546 $32 $164 $1,520 $127
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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.

Lincoln Navigator insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $406 $736 $418 $24 $124 $1,733 $144
Navigator 4WD $406 $736 $418 $24 $124 $1,733 $144
Navigator L 2WD $446 $736 $418 $24 $124 $1,773 $148
Navigator L 4WD $446 $736 $418 $24 $124 $1,773 $148
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Lincoln Navigator insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $330 $594 $418 $24 $124 $1,490 $124
Navigator 4WD $330 $594 $418 $24 $124 $1,490 $124
Navigator L 2WD $364 $594 $418 $24 $124 $1,524 $127
Navigator L 4WD $364 $594 $418 $24 $124 $1,524 $127
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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.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $146
Average monthly premium for $500 deductibles (subtract): – $126
Monthly savings from raising deductible: $20
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

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.Discount insurance

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:

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:

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.

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