Find Cheaper Lincoln Navigator Insurance in Sacramento

Insurance for Lincoln NavigatorShockingly, 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.

Lincoln Navigator Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $300 $616 $464 $28 $138 $1,546 $129
Navigator 4WD $300 $616 $464 $28 $138 $1,546 $129
Navigator L 2WD $330 $616 $464 $28 $138 $1,576 $131
Navigator L 4WD $330 $616 $464 $28 $138 $1,576 $131
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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.

Lincoln Navigator insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $478 $932 $442 $26 $132 $2,035 $170
Navigator 4WD $478 $932 $442 $26 $132 $2,035 $170
Navigator L 2WD $528 $932 $442 $26 $132 $2,085 $174
Navigator L 4WD $528 $932 $442 $26 $132 $2,085 $174
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Lincoln Navigator insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $348 $630 $442 $26 $132 $1,578 $132
Navigator 4WD $348 $630 $442 $26 $132 $1,578 $132
Navigator L 2WD $384 $630 $442 $26 $132 $1,614 $135
Navigator L 4WD $384 $630 $442 $26 $132 $1,614 $135
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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.

Average monthly premium for $100 deductibles: $172
Average monthly premium for $500 deductibles (subtract): – $134
Monthly savings from raising deductible: $38
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

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.

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.Discount insurance

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:

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.

Find insurance agent in SacramentoBy 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.

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.

Bob Spears – State Farm Insurance Agent
3110 Fulton AveSacramento, CA 95821(916) 482-9227View Map

451 Park Fair Dr #2Sacramento, CA 95864(916) 487-5151View Map

950 Fulton Ave #175Sacramento, CA 95825(916) 978-9110View Map

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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.

6905 Stockton Blvd Ste 230Sacramento, CA 95823(916) 399-8113View Map

9840 Business Park DrSacramento, CA 95827(888) 900-9989View Map

Ancal Insurance Agency
2641 Cottage Way #2Sacramento, CA 95825(916) 485-5410View Map

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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.Higher deductibles save money
These are some specific questions may help highlight if your situation could use an agent’s help.

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.

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