Has it been over a year since you last compared quotes for lower-priced Lincoln Navigator insurance in Los Angeles? Having to pay for pricey Lincoln Navigator insurance in Los Angeles can empty your funds and make it impossible to make ends meet.
It’s safe to assume that car insurance companies don’t want you to look for cheaper rates. Insureds who compare rates once a year will presumably switch companies because there is a great chance of finding a more affordable policy. A recent car insurance study revealed that drivers who routinely compared rates saved an average of $72 a month compared to those who never compared other company’s rates.
If finding the lowest price on car insurance in Los Angeles is the reason you’re reading this, then learning about the best ways to shop for insurance coverage can help simplify the process.
People have so many insurance companies to purchase coverage from, and even though it’s nice to have a choice, it can be more challenging to find the best rates for Lincoln Navigator insurance in Los Angeles.
Choosing the best rates in Los Angeles is not that difficult. If you have coverage now, you will definitely be able to find the best rates using this strategy. Although California car owners need to learn the way insurance companies charge you for coverage.
How to get Los Angeles Lincoln Navigator insurance rate quotes
To find the best car insurance quotes, there are several ways to compare quotes from lots of California car insurance companies. The recommended way to find competitive Lincoln Navigator insurance rates consists of obtaining rate quotes online.
Doing price comparisons online is so simple that it makes it a waste of time to call or drive to different Los Angeles agent offices. The internet has made agencies unnecessary unless you want the professional guidance of an agent trained in personal lines coverage. Drivers can compare online quotes and have a local agent actually service the policy.
When comparison shopping, having more price comparisons will increase your chances of finding better pricing. Not every company provides rate quotes online, so it’s important to compare quotes from them as well.
The companies shown below offer quotes in California. If the list has multiple companies, we recommend you click on several of them to get a more complete price comparison.
Auto insurance is not optional
Even though it can be expensive, insuring your vehicle may not be optional for several reasons.
- The majority of states have mandatory liability insurance requirements which means you are required to carry a specific level of liability if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your Lincoln Navigator with a loan, it’s guaranteed your bank will make it mandatory that you have physical damage coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Lincoln at a more expensive rate and force you to reimburse them for it.
- Insurance safeguards your Lincoln Navigator and your assets. It will also provide coverage for most medical and hospital costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. As of last year, the average driver in California is currently overpaying as much as $825 a year so smart consumers compare quotes at every renewal to be sure current rates are still competitive.
Lincoln Navigator detailed coverage information
The premium information displayed next showcases different coverage costs for Lincoln Navigator models. Having a good grasp of how auto insurance premiums are established is important for making decisions on the best policy coverages.
| 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 |
| Get Your Own Customized Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rates do not factor in your specific Los Angeles location which can revise insurance rates greatly.
The information below illustrates how your choice of deductibles and can raise or lower Lincoln Navigator insurance costs for different insured age categories. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
Impact of age and gender on car insurance rates
The chart below shows the comparison of Lincoln Navigator car insurance costs for male and female drivers. The price estimates are based on no claims or driving violations, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.
Should you buy full coverage?
The diagram below shows the difference between Lincoln Navigator auto insurance rates with full coverage and liability only. The rate quotes are based on no violations or claims, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Should you be buying full coverage?
There is no exact rule for dropping physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s say your Lincoln Navigator settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying your deductible. If premium cost is more than $800 a year for comprehensive and collision coverage, then it could be time to drop full coverage.
There are a few cases where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Discounts mean cheaper rates for Lincoln Navigator insurance in Los Angeles
Companies offering auto insurance don’t always list every discount available very well, so we break down a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy Los Angeles car insurance online. If you don’t get every credit available, you’re paying more than you need to.
- Employee of Federal Government – Active or retired federal employment can save as much as 8% depending on your company.
- Accident-Free Discounts – Insureds who avoid accidents and claims pay less in comparison with insureds who have frequent claims or accidents.
- Membership in Organizations – Being in certain professional organizations could qualify you for a break on your next auto insurance statement.
- Resident Student – Older children who live away from home at college and do not take a car to college could qualify for this discount.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.
The illustration below compares Lincoln Navigator car insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, homeowner, safe-driver, and multi-policy discounts applied.
Some companies that possibly offer some of the discounts shown above include:
When getting free Los Angeles car insurance quotes, it’s a good idea to every company which credits you are entitled to. Some credits may not be offered everywhere. To see companies with significant discounts in Los Angeles, follow this link.
Buying auto insurance from Los Angeles car insurance agents
Some people would prefer to visit with an insurance agent and that is a personal choice. A good thing about getting free rate quotes online is that you can find cheap auto insurance rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, the quote information is transmitted to participating agents in Los Angeles who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house as quotes are delivered immediately to your email address. You’ll get the best rates without having to waste a lot of time. If you need to compare prices for a specific company, just jump over to their website and fill out the quote form the provide.
Finding a good insurer needs to be determined by more than just the price. Below are some questions you should ask.
- Can you contact them at any time?
- What insurance company do they write the most business with?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the agency have a good rating with the Better Business Bureau?
- Do they have cheaper tiers of coverage?
- Are they involved in claim handling?
- Can glass claims be handled at your home?
- Can you choose the body shop in case repairs are needed?
When narrowing the list to find a local insurance agency, there are a couple of different agency structures and how they can service your needs differently. Agents in Los Angeles are considered either independent agents or exclusive agents depending on their employer.
Exclusive Agencies
Agents of this type normally can only provide a single company’s rates and some examples include State Farm, AAA, Farmers Insurance or Allstate. They usually cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents receive a lot of sales training on their products and sales techniques and that enables them to sell even at higher rates.
Listed below is a short list of exclusive agents in Los Angeles who may provide you with rate quotes.
Paul Major – State Farm Insurance Agent
12030 Washington Blvd Ste A – Los Angeles, CA 90066 – (310) 482-3990 – View Map
Oleg Avanesov – State Farm Insurance Agent
12245 California Route 2 – Los Angeles, CA 90025 – (310) 826-8700 – View Map
Kirk Farrel – State Farm Insurance Agent
7288 Sunset Blvd #205 – Los Angeles, CA 90046 – (323) 876-6653 – View Map
Independent Agents
Independent agencies do not have single company limitations so as a result can place your coverage with lots of companies and potentially find a lower price. To move your coverage to a new company, your agent can just switch to a different company which is easy for the insured. When comparing auto insurance prices, you will want to check rates from multiple independent agents to have the most options to choose from.
Below are Los Angeles independent agencies who can help you get comparison quotes.
Ken Donaldson Insurance Agency
6108 Venice Blvd – Los Angeles, CA 90034 – (310) 451-4943 – View Map
STARC INSURANCE AGENCY,INC
5250 W Century Blvd #426 – Los Angeles, CA 90045 – (888) 400-4004 – View Map
Malcom Brown Insurance Agency
2861 Robertson Blvd – Los Angeles, CA 90034 – (310) 280-0946 – View Map
After getting good feedback for all questions you ask as well as a affordable price, most likely you have located a car insurance agent that will service your policy.
In the end, you can save money
Lower-priced Lincoln Navigator insurance in Los Angeles can be purchased on the web and from local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not have online price quotes and most of the time these regional insurance providers sell through independent agents.
We just presented a lot of ways to lower your Lincoln Navigator insurance prices in Los Angeles. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from a small local company. They may often insure only within specific states and give better rates compared to the large companies like Allstate, GEICO and Progressive.
Much more information about car insurance in California is located on the following sites:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- How Much are Car Insurance Rates for Drivers with Bad Credit in Los Angeles? (FAQ)
- Who Has Cheap Los Angeles Auto Insurance Quotes for Postal Workers? (FAQ)
- How Much is Los Angeles Auto Insurance for a Ford F-150? (FAQ)
- Who Has the Cheapest Auto Insurance for Single Moms in Los Angeles? (FAQ)
- Who Has Affordable Los Angeles Auto Insurance for Electric Cars? (FAQ)
- Who Has Affordable Los Angeles Car Insurance Quotes for Active Military? (FAQ)
- How Much is Auto Insurance for Teenage Males in Los Angeles? (FAQ)
- Tools for Teen Driving Safety (State Farm)
- What is Gap Insurance? (Insurance Information Institute)