Finding the cheapest insurance for your Lincoln Navigator in Arizona can be difficult, but you can use the following methods and make it easy. There is a better way to shop for car insurance and we’ll show you the quickest way to price shop coverage on a Lincoln and find the best price possible from Scottsdale insurance agents and online providers.
Most of the larger companies like Allstate, GEICO and Progressive allow consumers to get price estimates direct online. Obtaining pricing for Lincoln Navigator insurance in Scottsdale is pretty easy as you just enter the amount of coverage you want into a form. When the form is submitted, their rating system obtains credit information and your driving record and generates a price.
Quoting online for Lincoln Navigator insurance in Scottsdale streamlines rate comparisons, and it is imperative to get many rate quotes if you want to find a better rate.
To get comparison pricing now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you type in the limits and deductibles identical to your current policy. This way, you will have an apples-to-apples comparison based on the exact same insurance coverage.
The providers in the list below are ready to provide free rate quotes in Scottsdale, AZ. If you wish to find cheap auto insurance in Scottsdale, it’s highly recommended you click on several of them to find the cheapest car insurance rates.
Affordable Lincoln Navigator insurance rates in Scottsdale
Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that can drop the cost substantially. Some of these discounts will be visible when you purchase, but once in a while a discount must be asked for prior to receiving the credit. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.
- Bundled Policy Discount – If you can combine your home and auto policy with the same company you could get a discount of up to 20% and get you low cost Lincoln Navigator insurance.
- Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
- Save with More Vehicles Insured – Buying coverage for more than one vehicle on one policy can reduce the rates for all insured vehicles.
- No Claims – Scottsdale drivers who stay claim-free pay less compared to policyholders that have many claims.
- Driver’s Ed – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
- Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you can avoid the installment charge.
- Switch and Save Discount – A few larger companies allow discounts for switching to them prior to the expiration date on your current Navigator insurance policy. It could save around 10% when you buy Scottsdale car insurance online.
One last thing about discounts, most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.
The example below shows the difference between Lincoln Navigator car insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, safe-driver, and homeowner discounts applied.
To see a list of insurers that provide some of the discounts listed above in Arizona, click here to view.
Insurance rate breakdown
The rate table below highlights a range of insurance premium costs for Lincoln Navigator models. Having a better idea how premiums are established is important for drivers to make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $184 | $362 | $288 | $18 | $86 | $938 | $78 |
| Navigator 4WD | $184 | $362 | $288 | $18 | $86 | $938 | $78 |
| Navigator L 2WD | $204 | $362 | $288 | $18 | $86 | $958 | $80 |
| Navigator L 4WD | $204 | $362 | $288 | $18 | $86 | $958 | $80 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific location which can change coverage rates significantly.
Rate comparison for different deductibles
When buying auto insurance, a common question is which deductibles should you choose. The data tables below highlight the premium difference when you choose different physical damage coverage deductibles. The first rate table uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Navigator 4WD | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Navigator L 2WD | $358 | $632 | $300 | $18 | $90 | $1,423 | $119 |
| Navigator L 4WD | $358 | $632 | $300 | $18 | $90 | $1,423 | $119 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific location information which can lower or raise auto insurance rates greatly.
Based on these figures, using a $100 deductible costs roughly $27 more each month or $324 each year across all Lincoln Navigator models than opting for the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 15 months between claims, you would more than likely save some money if you choose the higher deductible.
Careless driving habits raise auto insurance rates
The illustration below shows how violations and fender-benders can impact Lincoln Navigator insurance prices for different insured age categories. The data assumes a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.
Lincoln Navigator insurance rates: Men versus women
The example below illustrates the comparison of Lincoln Navigator auto insurance rates for male and female drivers. The premiums are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no policy discounts are applied.
Do I need an insurance agency?
A lot of people would rather have an agent’s advice and often times that is recommended Agents are highly skilled in risk management and give you someone to call. The best thing about comparing rates online is the fact that you can find cheap car insurance rates and still have an agent to talk to.
After completing this quick form, the coverage information is immediately sent to insurance agents in Scottsdale who want to provide quotes for your insurance coverage. It makes it easy because there is no need to contact any agents because quoted prices will be sent to you. In the event you want to compare rates from one company in particular, just visit that company’s website and fill out the quote form the provide.
Finding a good company should depend on more than just the quoted price. Get answers to these questions too.
- Do they get extra compensation for selling add-on coverages?
- Is the agency covered by Errors and Omissions coverage?
- Is the agency active in community causes in Scottsdale?
- Do they see any coverage gaps in your plan?
- What will you get paid if your car is a total loss? How is that amount determined?
- How much training do they have in personal risk management?
Types of auto insurance agents in Scottsdale
If you are searching for a good insurance agency, it’s helpful to know the types of agencies from which to choose. Car insurance agents are categorized either exclusive or independent agents depending on their company appointments. Both types of agents can insure your vehicles properly, but it’s worth learning the differences because it may have an impact on the type of agent you choose.
Exclusive Insurance Agencies
Agents that elect to be exclusive are contracted to one company like State Farm or Allstate. They usually cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are trained well on their company’s products which helps overcome the inability to quote other rates. Consumers sometimes choose to use a exclusive agent mainly due to high brand loyalty rather than having low rates.
Shown below is a list of exclusive insurance agencies in Scottsdale willing to provide price quotes.
- Dan Vukovic – State Farm Insurance Agent
7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433 – View Map - Gary Garrett – State Farm Insurance Agent
15678 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 314-0314 – View Map - Matt Funicello – State Farm Insurance Agent
8102 E McDowell Rd #1b – Scottsdale, AZ 85257 – (480) 994-4304 – View Map
Independent Insurance Agents
Independent insurance agents do not write with just one company so as a result can place your coverage with an assortment of companies and find the cheapest rate. If premiums increase, your agent can just switch to a different company and you won’t have to switch agencies.
When comparing rates, it’s recommended you contact independent agents for maximum quote selection. Most can insure with less well-known companies which can be an advantage.
Below is a list of independent insurance agents in Scottsdale willing to provide price quotes.
- Summit Insurance Advisors
5425 E Bell Rd – Scottsdale, AZ 85254 – (480) 214-3544 – View Map - Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200 – View Map - Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
After you get positive feedback as well as offering an affordable quote, you’ve probably found an insurance agency that is a good match to properly service your car insurance policy. Just keep in mind consumers can cancel your coverage for any reason so don’t assume you’re contractually obligated to any specific agency for a certain time period.
How to know if you need help
When buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are unique to you and your auto insurance should unique, too.
For example, these questions can aid in determining if your situation will benefit from professional help.
- Is borrowed equipment or tools covered if stolen or damaged?
- When should I remove my kid from my policy?
- Does every company file a SR-22 automatically?
- Are rock chip repairs covered?
- Why does it cost so much to insure a teen driver in Scottsdale?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Can I pay claims out-of-pocket if I buy high deductibles?
- What are the liability requirements in my state?
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
Components of Your Lincoln Navigator Insurance Rates
Multiple criteria are part of the equation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but some are not as apparent like where you live or your financial responsibility.
The following are a few of the “ingredients” insurance companies consider when setting your rates.
More performance means more cost – The performance level of the car, truck or SUV you own makes a significant difference in your rates. The lowest base rates will generally be found on economy passenger cars, but many other things help determine your insurance rates.
The next chart assumes a single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It shows Lincoln Navigator rates compared to other models that have different performance rating factors.
Buy as much liability as you can afford – Your policy’s liability coverage provides coverage when a court rules you are at fault for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not skimp.
Your age impacts your rates – More mature drivers tend to be more responsible, are lower risk to insure, and are safer drivers. Youthful drivers tend to be inattentive and easily distracted when driving and because of this, their insurance rates are much higher.
The next chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
Vehicles with better crash test results are cheaper to insure – Safer cars tend to be cheaper to insure. These vehicles reduce injuries and fewer injuries translates directly to fewer claims which can mean better rates for you.
Extra coverages you don’t use – Policies have extra bells and whistles that you can get tricked into buying on your insurance policy. Coverages like rental car reimbursement, towing, and membership fees may be costing you every month. They may seem like a good idea initially, but if you have no use for them think about removing them and cutting costs.
Your employer and insurance rates – Did you know your occupation can influence how much you pay for insurance? Careers such as lawyers, social workers, and miners generally have higher rates than the rest of us in part from intense work requirements and lengthy work days. On the flip side, occupations like farmers, athletes and the unemployed receive lower rates.
Gaps in coverage mean higher prices – Having a lapse in insurance coverage is a fast way to bump up your insurance costs. Not only will you pay higher rates, being ticketed for driving with no insurance may result in a steep fine or even jail time.
Lincoln Navigator historical loss data – Companies use past insurance losses to help determine rates. Models that the statistics show to have a higher amount or frequency of claims will have a higher cost to insure. The table below illustrates the collected loss data for Lincoln Navigator vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Percentage values below 100 imply a favorable loss record, while numbers above 100 indicate more frequent claims or statistically larger claims.
| 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Choosing the best Navigator insurance in Arizona is an important decision
Despite the high cost, auto insurance may be mandatory for several reasons.
First, the majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your car, most lenders will require you to have insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Lincoln at a significantly higher premium and force you to pay for the much more expensive policy.
Third, auto insurance protects not only your Lincoln Navigator but also your assets. It will also cover all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of having auto insurance more than cancel out the cost, particularly for liability claims. But the average American driver is currently overpaying as much as $810 a year so we recommend shopping around at every policy renewal to ensure rates are competitive.
Shop around and save
We just covered many ideas to find lower-cost Lincoln Navigator insurance in Scottsdale. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with the least-expected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.
Discount Lincoln Navigator insurance in Scottsdale is possible from both online companies and also from your neighborhood Scottsdale agents, so you need to shop Scottsdale car insurance with both so you have a total pricing picture. Some insurance providers may not offer price quotes online and most of the time these smaller companies sell through independent agents.
Steps to finding the cheapest rates for Lincoln Navigator insurance in Scottsdale
The preferred way to get low-cost Lincoln Navigator insurance is to start comparing prices regularly from insurers who sell auto insurance in Scottsdale. Price quotes can be compared by following these guidelines.
First, read about how auto insurance works and the modifications you can make to prevent expensive coverage. Many rating criteria that are responsible for high rates like traffic citations, accidents, and poor credit rating can be amended by making minor changes in your lifestyle.
Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while independent agents can quote prices for many different companies.
Third, compare the quotes to your current policy and determine if there is any savings. If you find a better price and change companies, make sure coverage does not lapse between policies.
The most important part of shopping around is to use identical coverage information on each price quote and and to get price estimates from every insurance company. This enables an apples-to-apples comparison and a better comparison of the market.
More learning opportunities
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance for High School Students in Scottsdale? (FAQ)
- Teen Driving Statistics (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)