Cheapest Lincoln Navigator Insurance in Irvine

Inconceivable but true, a large majority of drivers have stayed with the same insurance company for four years or more, and nearly the majority have never shopped around. California drivers can save hundreds of dollars each year, but they just don’t want to shop around.

If saving the most money is your goal, then the best way to find affordable quotes for Lincoln Navigator insurance is to start comparing prices yearly from insurers in Irvine.

• Step 1: Try to learn about how insurance companies determine prices and the modifications you can make to drop your rates. Many factors that are responsible for high rates such as traffic tickets, fender benders, and an unacceptable credit history can be amended by making lifestyle changes or driving safer. This article gives additional tips to get lower rates and get bigger discounts that may have been overlooked.
• Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can provide prices for a wide range of companies.
• Step 3: Compare the new quotes to your existing rates to see if a cheaper price is available. If you can save some money and change companies, make sure coverage is continuous and does not lapse.
• Step 4: Give notification to your agent or company to cancel the current policy. Submit payment along with a signed and completed policy application to your new company or agent. Immediately upon receiving it, keep the new certificate of insurance along with your vehicle registration.

One tip to remember is to try to use the same deductibles and limits on each price quote and and to get rate quotes from as many carriers as you can. This helps ensure the most accurate price comparison and the best rate selection.

If you have a policy now or need new coverage, follow these tips to shop for the lowest rates without sacrificing coverage. These tips will teach you a little about how car insurance works and also save some money in the process Consumers only have to learn how to quote multiple rates from many different companies online.

Getting cheaper car insurance pricing is pretty simple and can save money. The only thing you need to do is spend a little time comparing rates to find out which insurance company has cheaper Irvine auto insurance quotes.

The following companies are our best choices to provide comparison quotes in Irvine, CA. If you want cheap car insurance in California, we suggest you visit two to three different companies to get a more complete price comparison.

Discounts mean cheaper rates for Lincoln Navigator insurance in Irvine

Car insurance is not cheap nor is it fun to buy but companies offer discounts that many consumers don’t even know exist. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested before they will apply.

• Discount for Swiching Early – Some companies provide a discount for renewing your policy before your current coverage expires. This can save 10% or more.
• No Charge for an Accident – This isn’t a discount exactly, but certain companies may permit one accident before raising your premiums if you are claim-free before the accident.
• College Student – Older children who are attending college without a vehicle on campus may be able to be covered for less.
• Driver Safety – Passing a course that instructs on driving safety may get you a small discount and easily pay for the cost of the class.
• Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction with a few car insurance companies.
• Cautious Driver Discounts – Drivers who avoid accidents can save as much as half off their rates than drivers with accident claims.
• Membership in Organizations – Being in a qualifying organization can get you a small discount on your next car insurance statement.

Policy discounts save money, but many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, that’s just not realistic. Any amount of discount should help reduce your policy premium.

The information below illustrates the comparison of Lincoln Navigator premium costs with and without discounts applied to the policy premium. The prices are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-policy, multi-car, and claim-free discounts applied.

To see insurance companies with discount car insurance rates in California, click here.

Rates and data analysis

The premium table displayed below highlights estimates of insurance premium costs for Lincoln Navigator models. Learning more about how rate quotes are determined helps drivers make smart choices when buying a car insurance policy.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in specific zip code location which can decrease or increase coverage rates significantly.

Should you raise deductibles?

One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The comparisons below determine the costs and benefits between high and low physical damage coverage deductibles. The first table uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in specific location which can affect coverage prices considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $21 more each month or $252 annually averaged for all Navigator models than choosing the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 12 months between claim filings, you would probably save some money if you elect the higher deductible. The table below shows an example of how this calculation is made.

An important sidenote is that a higher deductible level means you will have to cover more of the damage yourself when you have a physical damage claim. It will be required that you have access to more funds in order to pay the deductible for vehicle repair.

The information below demonstrates how deductible levels and can affect Lincoln Navigator yearly insurance costs for each different age group. The data assumes a single female driver, comp and collision included, and no other discounts are factored in.

Cautious Irvine drivers save money

The illustration below highlights how traffic violations and at-fault accidents drive up Lincoln Navigator insurance costs for each different age group. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Comparison of car insurance rates by gender and age in Irvine

The example below compares Lincoln Navigator auto insurance costs for male and female drivers. The information is based on no violations or accidents, full physical damage coverage, $1,000 deductibles, single status, and no policy discounts are applied.

Should you buy full coverage?

The illustration below visualizes the comparison of Lincoln Navigator auto insurance rates with liability coverage only compared to full coverage. The information is based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are taken into consideration.

When to stop buying full coverage

There is no exact rule of when to eliminate full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your Lincoln Navigator claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying your deductible. If it’s costing in excess of $200 a year for full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where only buying liability is not a good plan. If you still owe money on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Seven factors that determine insurance costs

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that are used to determine the price you pay for auto insurance. If you understand what influences your rates, this empowers consumers to make smart changes that can earn you lower rates.

• Pay more out-of-pocket – Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your Lincoln. Examples of covered claims would be a broken side mirror, vandalism, and burglary. Comprehensive and collision coverage deductibles are the amount of money you are required to spend in the event of a claim. The more money you’re willing to pay, the better rate you will receive.
• High policy claims frequency drives up prices – If you are the type of insured that files lots of claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies in California award most affordable rates to policyholders who do not rely on their insurance for small claims. Auto insurance is intended to be relied upon for the large, substantial claims.
• Know your vehicle’s crash test rating – Vehicles with good safety scores are cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and lower injury rates means less claims paid and cheaper rates on your policy.
• Lower miles equals lower premium – The more you drive your Lincoln annually the more you’ll pay to insure your vehicle. Many insurance companies charge rates based on their usage. Vehicles that do not get driven very much receive better premium rates than vehicles that have high annual mileage. An improperly rated Navigator is just wasting money. Make sure your auto insurance policy correctly shows the correct usage for each vehicle, because improper ratings can cost you money.
• Credit score impacts premium premiums – Your credit score is likely to be a major factor in determining your rates. Drivers who have excellent credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores. If your credit rating can use some improvement, you could save money insuring your Lincoln Navigator by improving your credit score.
• Combine policies with the same company – Some insurance companies will give better rates to insureds that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even with this discount, it’s still a good idea to compare other company rates to help ensure you have the lowest rates.

• Teen vs. mature drivers – Older people have been proven to be more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets. Teenage drivers are proven to be inattentive and easily distracted behind the wheel so they pay higher auto insurance rates.

  The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Claims statistics for a Lincoln Navigator – Insurers use statistical claims data to help calculate a profitable premium price. Models that tend to have a trend towards higher claim severity or frequency will be charged more to insure.

  The information below illustrates the loss history for Lincoln Navigator vehicles. For each type of coverage, the loss probability for all vehicles, as an average, is set at 100. Values that are below 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate frequent claims or a tendency for losses to be larger than average.

  
  

  Auto Insurance Loss Data for Lincoln Navigator Models

  Vehicle 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
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years