Find Cheaper Lincoln Navigator Insurance in Sacramento

Shockingly, the majority of drivers have remained with the same car insurance company for four years or more, and roughly 40% of drivers have never compared rates with other companies. With the average car insurance premium being $1,390, Sacramento drivers could save roughly $470 every year by just comparing rate quotes, but they just feel it’s too hard to compare other rate quotes.

It takes a little time, but the best way to get affordable car insurance rates in Sacramento is to start comparing prices yearly from insurance carriers in California.

1. Learn about how car insurance works and the modifications you can make to drop your rates. Many risk factors that are responsible for high rates like traffic violations and an unacceptable credit history can be amended by improving your driving habits or financial responsibility. Read the full article for information to find cheap rates and earn larger discounts.
2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple sources.
3. Compare the new rate quotes to your existing policy and see if there is a cheaper rate. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.

One thing to point out is to compare similar deductibles and liability limits on every quote and and to get price quotes from as many companies as feasibly possible. Doing this helps ensure a level playing field and and a good selection of different prices.

Affordable auto insurance in Sacramento, CA

The companies shown below provide quotes in Sacramento, CA. If you wish to find the best car insurance in Sacramento, it’s a good idea that you compare several of them to get a more complete price comparison.

Insurance statistics for a Lincoln Navigator

The data table shown next highlights a range of insurance policy prices for Lincoln Navigator models. Being aware of how insurance premiums are established can be of help when making smart buying decisions.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in vehicle location which can increase or decrease premium rates considerably.

Should you raise deductibles?

One frequently asked question is which comprehensive and collision deductibles to buy. The premium rates below outline the rate difference of buying low and high insurance deductibles. The first set of rates uses a $100 physical damage deductible and the second set of rates uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in vehicle garaging location which can change premium rates significantly.

Based on this data, using a $100 deductible will cost you roughly $38 more each month or $456 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 11 months between claims, you would come out ahead going with the higher deductible. The table below illustrates the way you can come to your own conclusion.

One important note is that raising deductibles means you will have to pay more of your own money at claim time. It will be required that you have enough extra money in the event you need to pay the deductible to have repairs made.

The illustration below illustrates how your choice of deductibles and can affect Lincoln Navigator insurance prices for each age group. The data is based on a single male driver, full physical damage coverage, and no policy discounts are applied.

Violations and accidents raise rates

The diagram below highlights how traffic violations and at-fault claims can affect Lincoln Navigator auto insurance costs for each different age category. The costs are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Insurance rates by gender and age

The illustration below shows the comparison of Lincoln Navigator insurance costs for male and female drivers. The data assumes no violations or accidents, full coverage, $100 deductibles, marital status is single, and no policy discounts are applied.

Difference between full coverage and liability only rates

The chart below illustrates the comparison of Lincoln Navigator auto insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no violations or accidents, $100 deductibles, single marital status, and no additional discounts are factored in.

When to drop comp and collision

There is no definitive rule to eliminate full coverage, but there is a general convention. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s say your Lincoln Navigator replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your policy deductible. If premium cost is more than $600 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some circumstances where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Insurance Premium Influencing Factors

It’s important that you understand the different types of things that go into determining your premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

• Cheaper rates with high physical damage deductibles – Physical damage insurance, aka comp and collision, is used to repair damage to your Lincoln. Examples of covered claims are a windshield shattered by a rock, hitting a deer, or theft. Deductibles for physical damage define the amount you are required to spend before your car insurance pays a claim. The more expense you’re willing to pay, the better rate you will receive.
• Responsible credit saves on car insurance – Your credit score can be an important factor in calculating your premium rate. Therefore, if your credit score is low, you could save money insuring your Lincoln Navigator by repairing your credit. Drivers with good credit tend to be more responsible than drivers with bad credit.
• No claims equals cheap car insurance rates – Car insurance companies in California award the best rates to people who do not file claims often. If you file claims often, you can expect either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Deter vehicle theft – Buying a car with advanced anti-theft systems can help lower your premiums. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all help prevent car theft and help bring rates down.

• Lincoln Navigator insurance loss data – Auto insurance companies use past insurance losses in order to profitably underwrite each model. Vehicles that have increased claim numbers or amounts will have a higher premium rate.

  The information below illustrates the loss history for Lincoln Navigator vehicles. For each type of coverage, the statistical loss for all vehicles compiled together equals 100. Values that are below 100 are indicative of better than average losses, while numbers above 100 indicate higher probability of having a loss or tendency to have larger claims.

  
  

  Lincoln Navigator Insurance Loss Statistics

  Make and 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

These discounts can cut Lincoln Navigator insurance rates

Companies don’t list all available discounts very well, so we took the time to find both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Sacramento auto insurance online.

• Military Deployment Discount – Having a family member in the military could mean lower premium rates.
• Multi-Vehicle Discounts – Buying a policy with all your vehicles with the same insurance company could earn a price break for each car.
• College Student Discount – Children who are enrolled in higher education away from home and do not take a car to college can receive lower rates.
• Renewal Discounts – Select insurance companies give a discount for buying a new policy early. You could save around 10% when you buy Sacramento auto insurance online.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
• Good Students Pay Less – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts up to age 25.
• Onboard Data Collection – Drivers who elect to allow their insurance company to spy on driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if their driving habits are good.
• Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
• Buy New and Save – Buying coverage on a new vehicle can cost up to 25% less since new model year vehicles have better safety ratings.
• Federal Employees – Federal government employees could qualify for a slight premium decrease depending on your company.

It’s important to note that most of the big mark downs will not be given to the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

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

Insurance companies that possibly offer most of these discounts are:

• Progressive
• GEICO
• State Farm
• Esurance
• The Hartford

Before you buy a policy, ask all companies you are considering to apply every possible discount. Discounts might not be offered everywhere. To view companies that offer some of these discounts in California, follow this link.

When should I have guidance from an insurance agent?

A small number of people would prefer to go talk to an agent and that is not a bad decision The best thing about getting online price quotes is that you can find cheap car insurance rates but still work with a licensed agent.

By using this short form, the coverage information is submitted to local insurance agents in Sacramento who want to provide quotes and help you find cheaper coverage. You never need to even leave your home since rate quotes are delivered directly to your email. You can most likely find cheaper rates without requiring a lot of work. If for some reason you want to compare rates for a specific company, don’t hesitate to visit that company’s website and submit a quote form there.

Finding the right insurer should depend on more than just the bottom line cost. Here are some questions you should ask.

• What companies can they write with?
• How many years have they been established?
• What is the financial rating for the quoted company?
• What discounts might you be missing?
• If you are a high risk driver, do they have special markets for your coverage?

When narrowing the list to find a local insurance agency, it can be helpful to understand the different types of agencies from which to choose. Agents can be categorized as either independent (non-exclusive) or exclusive.

Exclusive Agencies

These agents generally can only insure with one company and examples are AAA, Allstate, and State Farm. They usually cannot compare other company’s rates so you need to shop around if the rates are high. These agents receive a lot of sales training on the products they sell which helps them sell on service rather than price.

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

More insurance agents

Independent Agents

Agents in the independent channel are not restricted to one company and that is an advantage because they can write policies with lots of companies and find you cheaper rates. If your agent finds better pricing, they simply switch companies in-house which is easy for the insured.

If you are comparing car insurance prices, you should always include price quotes from a few independent agents to maximize your price options.

Shown below are Sacramento independent agencies that can give you price quote information.

More insurance agents

How much insurance do I need?

When selecting insurance from an agent or online, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed.
These are some specific questions may help highlight if your situation could use an agent’s help.

• What is covered by UM/UIM coverage?
• Is my trailer covered?
• Can good grades get a discount?
• When should I buy a commercial auto policy?
• Does my medical payments coverage pay my health insurance deductible?
• What if I owe more than I can insure my car for?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Shop around and save

Budget-friendly car insurance in Sacramento can be sourced online as well as from independent agents in Sacramento, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide online rate quotes and these smaller providers work with independent agencies.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There have been many cases where drivers have reduced full coverage only to discover later that they should have had better coverage. Your goal should be to find the BEST coverage at the best cost while not skimping on critical coverages.

More information is available on the following sites:

• Rollover Crash FAQ (iihs.org)
• All About Airbag Safety (State Farm)
• Your Car has been Stolen: Now What? (Allstate)
• Drunk Driving Statistics (Insurance Information Institute)