Save on Lincoln Navigator Insurance in San Antonio

Insurance quote for Lincoln Navigator in San AntonioDo you need a fast way to compare low-cost Lincoln Navigator insurance in San Antonio? Are you regretting buying overpriced Lincoln Navigator insurance in San Antonio? Trust us, there are many San Antonio consumers feeling the pinch from expensive auto insurance.

It’s shocking but nearly 70% of customers have stayed with the same insurance company for well over three years, and about 40% of consumers have never compared rate quotes at all. Consumers in Texas could save almost $1,766 every year just by shopping around, but they assume it’s a waste of time to shop around.

Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate possible on Lincoln Navigator insurance in San Antonio.

If you already have coverage, you will be able to get lower rates using these methods. Locating the best rates in San Antonio is actually quite simple. But Texas drivers can benefit from knowing how companies calculate your auto insurance rates and use it to find better rates.

The most recommended method to compare rates for Lincoln Navigator insurance in San Antonio is to know most insurance companies have advanced systems to give rate comparisons. To begin a comparison, all you need to do is spend a couple of minutes providing details such as if you went to college, coverage limits, whether you are single or married, and whether your vehicle is owned or leased. The rating information is instantly sent to insurance carriers in your area and you should receive rate quotes with very little delay.

To compare cheaper Lincoln Navigator insurance rates now, click here and see if a lower rate is available in San Antonio.

The following companies can provide free quotes in Texas. If several companies are displayed, it’s a good idea that you visit two to three different companies to find the most affordable auto insurance rates.

Lincoln Navigator insurance charts and tables

The premium table displayed below covers a range of insurance coverage prices for Lincoln Navigator models. Knowing how policy premiums are figured can aid in making decisions on the best policy to buy.

Lincoln Navigator Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $458 $988 $514 $30 $154 $2,144 $179
Navigator 4WD $458 $988 $514 $30 $154 $2,144 $179
Navigator L 2WD $504 $988 $514 $30 $154 $2,190 $183
Navigator L 4WD $504 $988 $514 $30 $154 $2,190 $183
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific location which can revise coverage rates substantially.

An analysis of deductible level

When shopping for auto insurance, a common question is which deductible level should you buy. The comparison tables below may aid in understanding the premium difference when you select higher and lower physical damage coverage deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Lincoln Navigator insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $412 $804 $382 $22 $114 $1,759 $147
Navigator 4WD $412 $804 $382 $22 $114 $1,759 $147
Navigator L 2WD $454 $804 $382 $22 $114 $1,801 $150
Navigator L 4WD $454 $804 $382 $22 $114 $1,801 $150
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Lincoln Navigator insurance with $1,000 deductibles
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
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in zip code location which can influence rates greatly.

Based on this data, using a $100 deductible costs roughly $50 more each month or $600 every year than selecting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 18 months between claims, you would more than likely save some money if you decide on a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $149
Average monthly premium for $1,000 deductibles (subtract): – $99
Monthly savings from raising deductible: $50
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $50
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to be aware of is that raising deductibles means you pay more out-of-pocket when you do file a claim. It will be required that you have some savings in the event you have to pay the higher deductible in order to repair your vehicle.

The diagram below demonstrates how deductibles and can influence Lincoln Navigator insurance rates for different age categories. The data assumes a single female driver, full physical damage coverage, and no discounts are factored in.

How accidents and violations affect rates in San Antonio

The chart below shows how speeding tickets and fender-benders can increase Lincoln Navigator car insurance costs for each age group. The data assumes a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The information below compares Lincoln Navigator annual premium costs when comparing full coverage to state minimum liability only. The data assumes no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no set guideline that works best for making the decision to drop full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Lincoln Navigator book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying your deductible. If premium cost is more than $200 a year to have full coverage, then you might want to think about dropping full coverage.

There are some cases where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Save money with discounts

Auto insurance can be pricey, but you might find some hidden discounts that many consumers don’t even know exist. Some discounts apply automatically at the time you complete a quote, but a few must be asked for prior to receiving the credit. If you don’t get every credit you deserve, you are not getting the best rate possible.Save money with discounts

One last thing about discounts, most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, you aren’t that lucky.

The chart below visualizes the comparison of Lincoln Navigator auto insurance costs with and without some available policy discounts. The costs are based on a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, multi-car, marriage, and claim-free discounts applied.

If you would like to choose from a list of insurers with discount rates in San Antonio, click this link.

Buying the right Navigator insurance in Texas is an important decision

Even though San Antonio Navigator insurance rates can get expensive, insurance is required in Texas but also provides important benefits.

The benefits of buying enough insurance are without a doubt worth the cost, especially for larger claims. An average driver in America overpays as much as $869 every year so shop around once a year at a minimum to ensure rates are competitive.

Local insurance agents

Many drivers prefer to have an agent’s advice and we recommend doing that An additional benefit of getting free rate quotes online is you may find cheap insurance rates and also buy local.

Insurance agency in San AntonioFor easy comparison, once you complete this form (opens in new window), the coverage information is submitted to agents in your area that provide free San Antonio auto insurance quotes for your insurance coverage. You never need to contact an agency as quotes are delivered directly to your email. You can find the lowest rates and an insurance agent to talk to. If you need to quote rates for a specific company, feel free to visit that company’s website and complete a quote there.

Choosing an provider requires you to look at more than just a cheap price quote. A good agent in San Antonio will have answers to these questions.

If you would like to find a reliable insurance agency, you should know the different agency structures and how they work. Insurance policy providers can be categorized as either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

These agents can only provide pricing for a single company like State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to compare other company’s rates so you might not find the best rates. These agents are usually well trained on the products they sell which can be an advantage.

The following is a short list of exclusive insurance agencies in San Antonio that can give you price quote information.

7863 Callaghan Rd #105San Antonio, TX 78229(210) 616-0662View Map

6900 San Pedro Ave #135San Antonio, TX 78216(210) 824-5724View Map

2, 407 N ZarzamoraSan Antonio, TX 78207(210) 438-5826View Map

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Independent Agents (or Brokers)

Agents that elect to be independent often have affiliation with several companies so they can write business through many companies enabling the ability to shop coverage around. If prices rise, your agent can switch companies and the insured can keep the same agent. If you are trying to find cheaper rates, you should always check rates from a couple of independent agencies to have the most options to choose from.

Listed below is a short list of independent agents in San Antonio that can give you comparison quotes.

A and A Insurance Agency
1317 Castroville RdSan Antonio, TX 78237(210) 434-2311View Map

800 Isom Rd # 100San Antonio, TX 78216(210) 366-5094View Map

7330 San Pedro Ave #150San Antonio, TX 78216(210) 738-3537View Map

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