How to Save on Lincoln Navigator Insurance in Mesa

If you want to save money, the best way to get more affordable auto insurance rates in Mesa is to annually compare prices from different companies who provide car insurance in Arizona.

  1. Read about auto insurance and the changes you can make to prevent rate increases. Many policy risk factors that result in higher rates like getting speeding tickets and a bad credit rating can be controlled by improving your driving habits or financial responsibility. This article provides the details to help find cheaper rates and get discounts that may be overlooked.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can quote rates from many different companies.
  3. Compare the new rate quotes to your current policy to see if cheaper Navigator coverage is available in Mesa. If you can save some money and switch companies, make sure there is no lapse in coverage.

One piece of advice is to use the same level of coverage on each quote and to quote with as many car insurance companies as possible. This ensures a fair rate comparison and a thorough selection of prices.

Insurance for Lincoln NavigatorAmazingly, a recent study showed that the vast majority of auto insurance customers kept buying from the same company for at least four years, and almost 40% of drivers have never compared quotes from other companies. Mesa drivers could save an average of approximately 50% each year by just comparing rate quotes, but they don’t understand how simple it is to find cheap auto insurance rates.

Best companies for Lincoln Navigator insurance

The companies shown below have been selected to offer free rate quotes in Arizona. If your goal is to find the cheapest auto insurance in Mesa, we recommend you visit several of them in order to get a fair rate comparison.

Rates and data analysis

The coverage information shown next outlines a range of insurance policy prices for Lincoln Navigator models. Having knowledge of how rate quotes are determined is important for drivers to make smart choices when selecting a policy.

Lincoln Navigator Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $154 $344 $338 $20 $102 $958 $80
Navigator 4WD $154 $344 $338 $20 $102 $958 $80
Navigator L 2WD $170 $344 $338 $20 $102 $974 $81
Navigator L 4WD $170 $344 $338 $20 $102 $974 $81
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can change coverage prices considerably.

Can higher deductibles save money?

One of the more difficult decisions when buying car insurance is which comprehensive and collision deductibles to buy. The following tables approximate the rate differences when you choose different deductibles. The first data table uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Lincoln Navigator insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $292 $530 $300 $18 $90 $1,255 $105
Navigator 4WD $292 $530 $300 $18 $90 $1,255 $105
Navigator L 2WD $322 $530 $300 $18 $90 $1,285 $107
Navigator L 4WD $322 $530 $300 $18 $90 $1,285 $107
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Lincoln Navigator insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $236 $428 $300 $18 $90 $1,072 $89
Navigator 4WD $236 $428 $300 $18 $90 $1,072 $89
Navigator L 2WD $262 $428 $300 $18 $90 $1,098 $92
Navigator L 4WD $262 $428 $300 $18 $90 $1,098 $92
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in vehicle garaging location which can lower or raise auto insurance rates substantially.

We can derive from the above data that using a $250 deductible will cost you roughly $15 more each month or $180 each year averaged for all Navigator models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 17 months between claims, you would come out ahead if you choose a higher deductible. Here’s how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $106
Average monthly premium for $500 deductibles (subtract): – $91
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One big caveat is that raising deductibles to get cheaper rates results in more money out-of-pocket when you file a claim. You need to make sure you have enough disposable income in order to pay the deductible for vehicle repair.

Full coverage versus liability only rates

The example below illustrates the difference between Lincoln Navigator yearly insurance costs with full coverage compared to only the Arizona minimum liability coverage. The premiums are based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no specific rule of when to stop paying for full coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 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 say your Lincoln Navigator replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after the deductible is paid. If you are paying more than $700 annually to have full coverage, then you might want to consider buying only liability coverage.

There are some cases where only buying liability is not financially feasible. If you haven’t satisfied your 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 if your current one is damaged, you should not consider dropping full coverage.

Auto insurance discounts are available for cheaper rates

Some companies don’t always list all their discounts in a way that’s easy to find, so the list below contains a few of the more common and also the lesser-known savings tricks you should be using when you buy Mesa car insurance online.

Discounts lower rates, but some of the credits will not apply to the whole policy. Some only apply to specific coverage prices like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The example below shows the difference between Lincoln Navigator insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, no accidents or driving violations, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, multi-policy, claim-free, and safe-driver discounts applied.

Popular auto insurance companies and a selection of discounts are:

If you want the cheapest Lincoln Navigator rate quotes, ask each insurance company to apply every possible discount. Depending on the company, some discounts might not apply in Mesa. If you would like to choose from a list of auto insurance companies who offer auto insurance discounts in Arizona, click here to view.

You may need specialized insurance coverage

When it comes to the right insurance coverage, there really is no single plan that fits everyone. You are unique and your policy should reflect that. For instance, these questions can aid in determining whether or not you might need professional guidance.

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Compare rates but still have a local Mesa insurance agency

Some people just want to go talk to an agent and that can be a great decision The biggest benefit of price shopping on the web is the fact that you can find cheaper rates and still buy from a local agent. Putting coverage with small agencies is important particularly in Mesa.

Insurance agency in MesaBy using this simple form, the quote information is instantly submitted to insurance agents in Mesa who will gladly provide quotes and help you find cheaper coverage. There is no reason to search for any insurance agencies as quotes are delivered instantly to you. You can get cheaper car insurance rates without a big time investment. If for some reason you want to compare prices from one company in particular, you would need to navigate to their website and give them your coverage information.

Different types of Mesa auto insurance agents

When finding a reputable insurance agent or broker, there are two types of agencies that differ in how they can insure your vehicles. Car insurance policy providers may be either independent agents or exclusive agents depending on their employer.

Independent Insurance Agents

Agents that elect to be independent do not have single company limitations so they have the ability to put coverage with multiple insurance companies and find the cheapest car insurance rates. If they find a cheaper price, your agent can switch companies and you don’t have to find a new agent.

When searching for an agent, we highly recommend that you contact independent agents for the best price selection. Many independent agencies also insure through less well-known companies which can be an advantage.

Below is a short list of independent agents in Mesa who can help you get free car insurance quotes.

More Mesa agents

Exclusive Insurance Agents

These agents write business for a single company and some examples include American Family, State Farm, and AAA. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Some consumers prefer to use the same exclusive agent primarily because of loyalty to the company rather than low rates.

Below is a list of exclusive insurance agencies in Mesa willing to provide price quote information.

More Mesa agents

Choosing the best car insurance agent shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

Once you have answers to your satisfaction to these questions as well as offering an affordable quote, you may have just found an insurance agency that is reliable enough to adequately provide car insurance.

Arizona auto insurance companies

Insuring your vehicle with the highest-rated auto insurance company can be rather challenging considering how many different insurance companies sell coverage in Arizona. The company ratings listed below can help you decide which coverage providers to look at purchasing from.

Best Auto Insurance Companies in Arizona
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Don’t give up on affordable rates

In this article, we covered quite a bit of information on how to get a better price on Lincoln Navigator insurance in Mesa. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest priced insurance comes from a small mutual company. Smaller companies may only write in your state and offer lower rates than their larger competitors like GEICO and State Farm.

Budget-friendly insurance in Mesa can be bought online and with local Mesa insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not have online quoting and usually these small insurance companies prefer to sell through independent agencies.

Additional detailed information is located at these sites: