Do you think you bought an under-performing, overpriced auto insurance policy? Say no more because many Dallas drivers have buyer’s remorse.
Amazingly, a recent NerdWallet.com study showed that most auto insurance buyers in Texas kept their coverage with the same auto insurance company for more than four years, and virtually 40% of consumers have never quoted rates to find cheap coverage. Drivers in the United States can save hundreds of dollars each year just by comparing rates, but they just don’t understand how easy it is to do a rate comparison.
Steps to finding cheaper rates for Lincoln Navigator insurance in Dallas
If saving the most money is your goal, then the best way to find affordable quotes for Lincoln Navigator insurance in Dallas is to do an annual price comparison from different companies who provide auto insurance in Texas. Drivers can shop around by following these steps.
- First, get a basic knowledge of how insurance companies determine prices and the modifications you can make to keep rates in check. Many things that increase rates such as distracted driving and an unacceptable credit history can be remedied by paying attention to minor details. This article gives additional tips to help reduce premium rates and get discounts that may be available to you.
- Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while independent agents can quote prices from multiple sources. View a list of agents
- Third, compare the price quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate quote and make a switch, make sure coverage is continuous and does not lapse.
- Fourth, provide notification to your current company of your intent to cancel your current auto insurance policy. Submit a completed policy application and payment for the new policy. As soon as you can, place your new certificate of insurance with your vehicle’s registration.
One key aspect of rate comparisons is to make sure you’re comparing similar deductibles and liability limits on each quote and and to look at as many different insurance providers as possible. This provides a fair rate comparison and maximum price selection.
Many insurers vie for your business, and because of this it can be hard to compare car insurance companies to discover the definitive lowest cost out there.
You need to compare premium rates every six months because auto insurance rates are usually higher with each renewal. Even if you think you had the lowest rate on Lincoln Navigator insurance in Dallas last year there is a good chance you can find better prices now. Forget all the misinformation about auto insurance because we’re going to demonstrate the best methods to find great coverage at a great price.
If you have insurance now or need new coverage, take advantage of these tips to cut your premiums and still get good coverage. Finding affordable coverage in Dallas seems hard but is not really that difficult. Drivers only need an understanding of the fastest way to compare rates using one simple form.
Companies offering Lincoln Navigator insurance in Dallas
The companies shown below are ready to provide quotes in Texas. If several companies are displayed, we recommend you get rate quotes from several of them to find the most affordable auto insurance rates.
Lincoln Navigator insurance charts and tables
The information shown next outlines different coverage prices for Lincoln Navigator models. Being able to understand how insurance prices are calculated can assist in making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $410 | $828 | $514 | $30 | $154 | $1,936 | $161 |
| Navigator 4WD | $410 | $828 | $514 | $30 | $154 | $1,936 | $161 |
| Navigator L 2WD | $452 | $828 | $514 | $30 | $154 | $1,978 | $165 |
| Navigator L 4WD | $452 | $828 | $514 | $30 | $154 | $1,978 | $165 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in specific location which can decrease or increase prices considerably.
Physical damage deductibles: Should you raise them?
One of the most common auto insurance questions is the level to set your comp and collision deductibles. The rates below summarize how much more rates are when you select higher and lower comp and collision deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Navigator 4WD | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Navigator L 2WD | $408 | $672 | $382 | $22 | $114 | $1,623 | $135 |
| Navigator L 4WD | $408 | $672 | $382 | $22 | $114 | $1,623 | $135 |
| 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 | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can influence insurance rates noticeably.
Based on this data, using a $250 deductible costs about $35 more each month or $420 a year than requesting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 21 months between claims, you would most likely save money if you elect the higher deductible.
The illustration below shows how choosing a deductible and can increase or decrease Lincoln Navigator insurance costs for each age group. The data is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Drive responsibly or pay higher rates
The example below highlights how speeding tickets and at-fault claims can drive up Lincoln Navigator auto insurance rates for different age categories. Data assumes a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
Age, gender, and Lincoln Navigator insurance
The information below shows the comparison of Lincoln Navigator car insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, single status, and no additional discounts are factored in.
Does full coverage make sense?
The illustration below visualizes the comparison of Lincoln Navigator insurance prices with full physical damage coverage compared to only buying liability only. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied.
Are you wasting money on full coverage?
There is no set guideline for phasing out full coverage, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Lincoln Navigator replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying your deductible. If premiums are more than $800 annually for full coverage, then you might want to think about dropping full coverage.
There are some cases where only buying liability is not advised. If you haven’t paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Car insurance discounts help lower rates for Lincoln Navigator insurance in Dallas
Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that many people don’t even know exist. Some trigger automatically when you purchase, but lesser-known reductions have to be asked for before they will apply. If you do not check that you are getting every discount you deserve, you are paying more than you should be.
- Discount for Low Mileage – Driving less may allow you to get discounted premium rates on garaged vehicles.
- Senior Citizen Discount – Drivers over the age of 55 may be able to get a small decrease in premiums.
- Driver’s Ed – Cut your cost by having your teen driver successfully take a driver’s education course if offered at their school.
- Include Life Insurance and Save – Larger insurance carriers have a small discount if you purchase a life policy as well.
- Full Payment Discount – If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
Please keep in mind that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will help lower the cost of coverage.
The illustration below illustrates the difference between Lincoln Navigator auto insurance rates with and without policy discounts. The data is based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, multi-car, marriage, and safe-driver discounts applied.
A few popular companies and some of their more popular discounts are:
- GEICO may include discounts for seat belt use, federal employee, daytime running lights, emergency military deployment, defensive driver, anti-lock brakes, and air bags.
- MetLife offers discounts for good driver, claim-free, accident-free, defensive driver, multi-policy, and good student.
- Progressive may have discounts that include continuous coverage, good student, multi-policy, multi-vehicle, online quote discount, and homeowner.
- Travelers has discounts for driver training, good student, hybrid/electric vehicle, save driver, and continuous insurance.
- SAFECO includes discounts for teen safe driver, multi-car, anti-lock brakes, bundle discounts, drive less, and anti-theft.
- AAA policyholders can earn discounts including multi-car, multi-policy, anti-theft, good student, education and occupation, pay-in-full, and AAA membership discount.
Before purchasing a policy, check with every prospective company what discounts are available to you. Some discounts listed above might not apply in Dallas. To see companies that have a full spectrum of discounts in Dallas, follow this link.
Learn How to Quote Insurance for Less
Lots of things are used when pricing auto insurance. A few of the factors are predictable like your driving record, although some other factors are more obscure such as your marital status or how safe your car is. A large part of saving on insurance is knowing some of the elements that go into determining insurance rates. When consumers understand what determines base rates, this enables you to make decisions that can earn you big savings.
More performance means more cost – The make and model of the car, truck or SUV you drive makes a significant difference in determining your rates. The lowest performance passenger cars usually have the lowest rates, but your final cost has many other factors.
The following chart is based on a married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It compares Lincoln Navigator insurance premiums compared to other models of vehicles that have different performance risks.
Does your vocation cost you more? – Did you know your job can affect your rates? Careers like judges, architects, and miners tend to have the highest average rates due to high stress and lengthy work days. Other careers such as scientists, athletes and performers generally pay rates lower than average.
Drive less and get lower costs – The higher the mileage driven in a year the higher the price you pay to insure it. Many insurance companies apply a rate determined by how the vehicle is used. Autos that are left in the garage qualify for better rates than vehicles that have high annual mileage. It’s a smart idea to ensure your declarations sheet properly reflects how each vehicle is driven, because improper ratings can cost you money. A policy that improperly rates your Navigator is just wasting money.
Single drivers may get higher rates – Having a spouse can actually save you money on your insurance bill. Having a significant other is viewed as being more responsible and it’s statistically proven that married couples file fewer claims.
Never let your insurance policy lapse – Driving without insurance coverage in place is against the law and companies may charge more for letting your insurance coverage expire. Not only will rates go up, the inability to provide proof of insurance could result in a license revocation or jail time.
Rural vs Urban Areas – Residing in less populated areas has definite advantages when shopping for auto insurance. People in densely populated areas have to deal with more auto accidents and much longer commute distances. Lower population means less chance of accidents and lower theft and vandalism rates.
Lower insurance rates with alarm systems – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.
Loss statistics for a Lincoln Navigator – Insurers study historical loss data to help determine costs. Models that the data determines to have higher claim amounts or frequency will cost more for specific coverages.
The data below shows the compiled insurance loss statistics for Lincoln Navigator vehicles. For each policy coverage type, the claim probability for all vehicles averaged together is set at 100. Percentage numbers below 100 indicate better than average losses, while values that are above 100 show a trend for more claims or an increased probability of a larger loss.
| 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 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
How do I know if I need professional advice?
Always remember that when buying coverage online or from an agent, there really isn’t a cookie cutter policy. Your needs are unique to you.
Here are some questions about coverages that might help in determining whether you may require specific advice.
- Is my teen driver covered when they drive my company car?
- Why do I have to buy liability insurance?
- Does my car insurance cover rental cars?
- Am I missing any policy discounts?
- How does medical payments coverage work?
- I have a DUI can I still get coverage?
- Exactly who is provided coverage by my policy?
- Am I covered if I hit a deer?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
What if I want to buy from local Dallas car insurance agents?
A lot of people still prefer to get professional advice from a licensed agent and that is a personal choice. Experienced insurance agents can help you build your policy and help file insurance claims. The best thing about comparing rates online is you can get lower prices and still have a local agent. And providing support for local insurance agencies is especially important in Dallas.
By using this form (opens in new window), your information is emailed to local insurance agents in Dallas that can provide free Dallas car insurance quotes for your business. There is no reason to contact any agents since price quotes are sent to you instantly. If you have a need to compare prices from one company in particular, you just need to go to their quote page and submit a quote form there.
Finding a good insurer requires you to look at more than just a cheap quote. The following questions are important to ask.
- Can they give you a list of client referrals?
- Are aftermarket or OEM parts used to repair vehicles?
- Is the agency covered by Errors and Omissions coverage?
- Do you work with a CSR or direct with the agent?
- How often do they review coverages?
- Are they primarily personal or commercial lines agents in Dallas?
- Does the company allow you to choose your own collision repair facility?
How much can you save?
In this article, we covered quite a bit of information on how to shop for Lincoln Navigator insurance online. The key thing to remember is the more companies you get prices for, the better chance you’ll have of finding inexpensive Dallas car insurance quotes. You may even discover the best price on insurance is with the least-expected company.
When you buy Dallas car insurance online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your aim should be to buy the best coverage you can find at the best price but still have enough coverage for asset protection.
A few companies may not provide online rate quotes and usually these smaller companies only sell through independent insurance agents. More affordable insurance in Dallas is available both online as well as from independent agents in Dallas, and you should compare rates from both in order to have the best price selection to choose from.
Steps to finding affordable quotes for Lincoln Navigator insurance in Dallas
If saving the most money is your goal, then the best way to get budget Lincoln Navigator insurance is to compare prices once a year from insurance carriers in Dallas. Price quotes can be compared by following these steps.
Step 1: Try to understand how auto insurance works and the factors you can control to prevent expensive coverage. Many rating factors that cause high rates like at-fault accidents, speeding tickets, and a negative credit history can be eliminated by making minor driving habit or lifestyle changes.
Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can give you price quotes for a wide range of insurance providers. Find a Dallas insurance agent
Step 3: Compare the new rates to your existing rates to see if switching to a new carrier will save money. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide written notification to your current company to cancel your current coverage and submit the required down payment along with the signed application to the newly selected company. As soon as coverage is bound, keep your new proof of insurance paperwork with your registration paperwork.
A good tip to remember is to try to compare identical deductibles and limits on each quote and and to look at as many auto insurance providers as possible. Doing this enables a fair rate comparison and a complete price analysis.
Much more information about insurance in Texas can be read on the following sites:
- Side Impact Crash Tests (iihs.org)
- How Much is Auto Insurance for Handicapped Drivers in Dallas? (FAQ)
- Who Has Cheap Dallas Car Insurance Quotes with Multiple Speeding Tickets? (FAQ)
- How Much is Dallas Auto Insurance for State Employees? (FAQ)
- How Much are Auto Insurance Quotes for a Nissan Sentra in Dallas? (FAQ)
- How Much is Dallas Auto Insurance for a GMC Sierra? (FAQ)
- Who Has Affordable Car Insurance Rates for Low Income Drivers in Dallas? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)