Best Ways to Save on Corpus Christi Lincoln Navigator Insurance

Sad but true, over 70% of drivers have remained with the same auto insurance company for over three years, and nearly half have never quoted auto insurance rates at all. Drivers in Corpus Christi could save 70% a year by just comparing quotes, but they don’t believe the benefits if they replace their high priced policy.

It takes a little time, but the best way to get more affordable Lincoln Navigator insurance in Corpus Christi is to compare quotes annually from companies in Texas.

1. Try to understand auto insurance and the things you can change to prevent expensive coverage. Many rating factors that result in higher prices such as traffic violations and a bad credit score can be eliminated by paying attention to minor details.
2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while independent agents can quote prices for many different companies.
3. Compare the quotes to your existing coverage to see if a cheaper price is available. If you can save some money and switch companies, ensure coverage does not lapse between policies.

The most important part of shopping around is to try to compare similar deductibles and liability limits on every price quote and and to get rates from as many companies as possible. Doing this ensures a fair rate comparison and a complete rate analysis.

Locating the best insurance company for you in Corpus Christi is quite easy if you know the best way to do it. If you are already insured or are looking for a new policy, you can learn to buy cheaper insurance while maximizing coverage. You just need to use the least time-consuming way to compare prices using one simple form.

The car insurance companies shown below provide free quotes in Texas. If you want the best cheap car insurance in Corpus Christi, we recommend you visit as many as you can to get a more complete price comparison.

Lincoln Navigator insurance analysis

The premium table below covers different rate quotes for Lincoln Navigator models. Having insight into how premiums are figured can aid in making smart choices when buying a policy.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in garaging location in Corpus Christi which can decrease or increase auto insurance rates substantially.

Should you raise deductibles?

One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The figures shown below can help you visualize how much more you’ll pay between low and high coverage deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in vehicle location which can raise or lower prices significantly.

Based on the figures above, using a $250 deductible will cost you about $19 more each month or $228 for a full year than selecting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 13 months between claim filings, you would save money if you choose a higher deductible.

Rate comparison of men versus women

The diagram below shows the comparison of Lincoln Navigator auto insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, single status, and no policy discounts are applied.

Protect your Navigator and other assets

Despite the high insurance cost for a Lincoln Navigator in Corpus Christi, insurance serves a purpose in several ways.

• Almost all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Lincoln with a loan, almost every bank will make it mandatory that you buy insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your Lincoln at a much higher rate and require you to pay for the much more expensive policy.
• Insurance protects both your Lincoln and your assets. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability coverage also covers legal expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of carrying adequate insurance outweigh the cost, specifically if you ever have a liability claim. The average driver in Texas is currently overpaying as much as $869 every year so it’s very important to do a rate comparison at least once a year to make sure the price is not too high.

What Impacts Lincoln Navigator Insurance Premiums?

An important part of buying insurance is that you know the factors that help determine the rates you pay for car insurance. If you know what determines premiums, this allows you to make good choices that can help you get lower premium levels. Lots of factors are used in the calculation when premium rates are determined. Most are fairly basic such as your driving history, but some are more transparent like your continuous coverage and annual miles driven.

Liability coverage limits should be high – A critical coverage on your policy, liability insurance kicks in in the event that you are found to be at fault for damages from an accident. Liability provides legal defense to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.

Do thieves like your car? – Driving a car with a theft deterrent system can get you a discount on your car insurance. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft.

Affects performance affects auto insurance prices – The performance of the vehicle you are insuring makes a substantial difference in how high your rates are. Low performance passenger models usually are quite affordable to insure, but the cost you end up paying is determined by many additional factors.

The chart below uses these variables: single female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The data compares Lincoln Navigator insurance premiums compared to other models of vehicles that have a range of performance rating factors.

No policy lapses lowers rates – Driving with no insurance is illegal and companies may charge more for letting your coverage cancel without a new policy in place. In addition to paying higher rates, not being able to provide proof of insurance will get you fines or a revoked license. You may have to file a SR-22 with the Texas motor vehicle department to get your license reinstated.

More than one policy can earn a discount – Most larger insurers give better rates to insureds that buy multiple policies in the form of a multi-policy discount. This can amount to ten percent or more. Even with this discount applied, it’s still a good idea to compare other company rates to ensure the best deal.

Job can influence rates – Did you know your occupation can influence how much you pay for car insurance? Careers like judges, airline pilots, and dentists tend to have higher rates than average because of intense work situations and extremely grueling work hours. Conversely, careers like scientists, athletes and the unemployed have the lowest average rates.

Safer vehicles save money – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and fewer serious injuries means less claims paid and more competitive rates for policyholders. If your Lincoln Navigator has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Lincoln Navigator insurance loss statistics – Auto insurance companies use claims history in order to profitably underwrite each model. Vehicles that the data shows to have increased losses will have a higher premium rate.

The table below demonstrates the insurance loss data for Lincoln Navigator vehicles. For each insurance policy coverage type, the claim probability for all vehicles averaged together is represented as 100. Numbers below 100 indicate a favorable loss history, while numbers above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.

Discount Corpus Christi auto insurance quotes

Some companies don’t list every discount they offer very clearly, so we researched some of the more common and the more hidden credits that may apply to you. If you are not receiving all the discounts possible, you could be getting lower rates.

• E-sign – A few larger online companies may give you up to $50 for completing your application on the internet.
• Driver’s Ed – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• College Student Discount – Children living away from Corpus Christi attending college and won’t have access to an insured vehicle may qualify for this discount.
• Discounts for Federal Employees – Federal government employees could provide a small rate reduction with select insurance companies.
• 55 and Retired – Older drivers may qualify for better auto insurance rates.
• ABS Braking Discount – Cars with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• Good Grades Discount – Excelling in school may save you up to 25%. The good student discount can last up until you turn 25.

One last thing about discounts, many deductions do not apply to the whole policy. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

The illustration below shows the difference between Lincoln Navigator yearly insurance costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, homeowner, and claim-free discounts applied.

A few of the larger companies and their possible discounts are:

• GEICO policyholders can earn discounts including good student, seat belt use, five-year accident-free, membership and employees, defensive driver, and driver training.
• MetLife includes discounts for multi-policy, good student, claim-free, defensive driver, good driver, accident-free
• State Farm may offer discounts for accident-free, passive restraint, student away at school, driver’s education, multiple policy, Steer Clear safe driver discount, and safe vehicle.
• Progressive has savings for homeowner, multi-policy, multi-vehicle, good student, and continuous coverage.
• Mercury Insurance offers discounts including anti-theft, good student, accident-free, age of vehicle, type of vehicle, and location of vehicle.
• 21st Century has discounts for good student, driver training, air bags, teen driver, and 55 and older.
• Allstate offers premium reductions for safe driver, senior citizen, resident student, good payer, economy car, and teenSMART discount.

When comparing rates, check with every insurance company the best way to save money. A few discounts might not be offered on policies in Corpus Christi. If you would like to see a list of providers who offer discounts in Texas, click this link.

How to know if you need help

When buying your policy for your personal vehicles, there isn’t really a cookie cutter policy. Your financial needs are unique.

These are some specific questions may help you determine if you might need professional guidance.

• Do all my vehicles need collision coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• Can I get by with minimal medical coverage if I have good health insurance?
• Am I missing any policy discounts?
• How much underlying liability do I need for an umbrella policy?
• What is PIP insurance?
• Is water damage covered by my policy?
• When can I cancel my policy?
• Do I need to call my car insurance company before buying a new car?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Do I need an agent?

Some consumers prefer to go talk to an agent and doing so can bring peace of mind Most agents will help you protect your assets and help you file claims. A good thing about comparing rates online is you may find cheap auto insurance rates and still have an agent to talk to.

Upon completion of this quick form, the coverage information is submitted to companies in Corpus Christi that can provide free Corpus Christi auto insurance quotes to get your business. It makes it easy because there is no need to search for an agent as quotes are delivered immediately to your email address. If you wish to get a price quote from a specific insurance company, you just need to navigate to their website and complete a quote there.

Finding a good company requires you to look at more than just a cheap price quote. These are some valid questions you should ask.

• Will the company cover a rental car if your car is getting fixed?
• Will the agent help in case of a claim?
• Do you qualify for any additional discounts?
• What are the financial ratings for the companies they represent?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Does the agency have a positive business rating?
• Can you choose the body shop in case repairs are needed?
• Can you contact them at any time?

If you need to find a good insurance agency, you need to know there are two types of insurance agents and how they differ in how they quote coverages. Auto insurance agencies can either be exclusive or independent (non-exclusive). Both types can insure your vehicles, but we need to point out the subtle differences since it may influence which type of agent you select.

Exclusive Insurance Agencies

These type of agents work for only one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide other company’s prices so you might not find the best rates. Exclusive agencies receive a lot of sales training on the products they sell which can be an advantage.

The following is a short list of exclusive agents in Corpus Christi that can give you comparison quotes.

View more agents

Independent Auto Insurance Agencies

Agents of this type are not employed by one company and that allows them to write policies through lots of different companies and possibly get better coverage at lower prices. If premiums increase, they simply move the coverage in-house and you stay with the same agent.

If you are comparing auto insurance prices, you absolutely need to contact a few independent agents to ensure the widest selection of prices.

Listed below is a list of independent insurance agents in Corpus Christi that are able to give price quotes.

View more agents

If you receive answers to your satisfaction to any questions you may have as well as offering an affordable quote, you may have just found a car insurance agent that can provide auto insurance coverage. Just remember policyholders can terminate your policy for any reason so never assume that you are obligated to any particular company indefinitely.

Quote more to save more

You just learned many ways to reduce Lincoln Navigator insurance prices online in Corpus Christi. The key concept to understand is the more quotes you get, the better chance you’ll have of finding low cost Corpus Christi auto insurance quotes. You may even discover the lowest prices come from some of the lesser-known companies.

Consumers who switch companies do it for a variety of reasons including delays in responding to claim requests, policy non-renewal, high rates after DUI convictions or even an unsatisfactory settlement offer. No matter why you want to switch, switching companies is easier than you think.

The cheapest Lincoln Navigator insurance in Corpus Christi is definitely available on the web as well as from independent agents in Corpus Christi, so you should compare both to have the best selection. Some car insurance companies may not offer price quotes online and many times these small insurance companies work with independent agents.

For more information, feel free to visit the articles below:

• Child Safety FAQ (iihs.org)
• What Car Insurance is Cheapest for Safe Drivers in Corpus Christi? (FAQ)
• What Insurance is Cheapest for a Toyota Tacoma in Corpus Christi? (FAQ)
• What Car Insurance is Cheapest for Good Drivers in Corpus Christi? (FAQ)
• Event Data Recorders FAQ (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Institute)