Cheap Lincoln Navigator Insurance in Santa Ana

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Insurance rates Lincoln Navigator in Santa AnaAnyone knows that car insurance companies want to prevent you from shopping around. People who shop around once a year will probably switch to a new company because the odds are good of finding better rates. A recent insurance study discovered that consumers who compared prices regularly saved about $850 each year compared to those who never compared prices.

If finding the best rates on auto insurance is your intention, then learning about how to shop for cheaper coverage can make it easier to find better rates.

If you want to find the absolute lowest rates, then the best way to get discount auto insurance rates in Santa Ana is to annually compare prices from insurers who sell auto insurance in California.

  1. Try to learn a little about what is in your policy and the steps you can take to keep rates low. Many factors that drive up the price like traffic violations and a less-than-favorable credit rating can be eliminated by making minor changes to your lifestyle. This article provides information to prevent expensive rate increases and find possible discounts that are available.
  2. Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Allstate, while agents who are independent can provide prices from multiple companies.
  3. Compare the new rate quotes to your existing coverage to see if cheaper Navigator coverage is available in Santa Ana. If you find a better price and make a switch, make sure coverage does not lapse between policies.
  4. Give notification to your current company of your intent to cancel your current policy. Submit any necessary down payment along with the completed application to your new agent or company. Once received, store the proof of insurance paperwork with the vehicle registration.

The most important part of this process is to make sure you're comparing identical deductibles and limits on each quote and and to analyze as many companies as possible. Doing this enables an apples-to-apples comparison and the best price quote selection.

Affordable car insurance in Santa Ana, CA

The companies shown below provide comparison quotes in California. If more than one company is shown, we recommend you compare several of them to get a more complete price comparison.

Rates and information analytics

The coverage table shown next highlights detailed analysis of insurance coverage prices for Lincoln Navigator models. Having insight into how insurance policy rates are determined can be valuable when making decisions on which coverage to buy.

Lincoln Navigator Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $368 $774 $416 $24 $124 $1,706 $142
Navigator 4WD $368 $774 $416 $24 $124 $1,706 $142
Navigator L 2WD $406 $774 $416 $24 $124 $1,744 $145
Navigator L 4WD $406 $774 $416 $24 $124 $1,744 $145
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in vehicle garaging location which can alter auto insurance rates substantially.

Drive safe and save

The example below illustrates how violations and at-fault collisions increase Lincoln Navigator insurance costs for different age groups. The prices are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Auto insurance premiums based on gender

The chart below visualizes the comparison of Lincoln Navigator annual premium costs for male and female drivers. The prices are based on no accidents, no driving violations, full coverage, $250 deductibles, single marital status, and no other discounts are factored in.

Cost comparison with and without full coverage

The information below shows the comparison of Lincoln Navigator yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The information is based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Should you buy full coverage or liability only?

There is no set guideline for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's pretend your Lincoln Navigator replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $4,000 after the policy deductible has been paid. If you are currently paying more than $400 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some cases where eliminating full coverage is not recommended. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Lincoln Navigator Insurance Price Factors

Many factors are considered when you get your auto insurance bill. A few of the factors are predictable like your driving record, but others are more obscure like your continuous coverage or how financially stable you are.

  • Where you reside - Having an address in areas with lower population has it's advantages when trying to find low car insurance rates. Less people means fewer accidents. City drivers have to deal with more road rage incidents and longer commutes to work. Spending more time driving means more chances of being involved in an auto accident.
  • High physical damage deductibles equal low rates - Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Examples of covered claims are running into the backend of another car, hitting a deer, and windstorm damage. The deductibles you choose are how much you are required to pay if a covered claim is submitted. The higher the amount you choose to pay out-of-pocket, the less money you will pay for auto insurance.
  • Incidental coverages that may not be needed - Policies have extra bells and whistles that may not really be needed on your Navigator policy. Things like rental car coverage, accidental death, and Farm Bureau memberships are examples of these. They may seem like a good idea at first, but if they're wasting money remove them from your policy.
  • Do you really need to file those insurance claims? - Companies in California award lower rates to insureds who only file infrequent claims. If you're an insured who likes to file claims you can expect either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for more catastrophic claims.
  • Safer cars lower auto insurance rates - Cars with five star safety ratings tend to have better insurance rates. Vehicles engineered for safety protect occupants better and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders.

  • Loss probability for a Lincoln Navigator - Companies include the past claim history for a vehicle when setting premium prices. Vehicles that the data shows to have higher prevalence or dollar amount of losses will cost more to insure. The data below shows the loss history for Lincoln Navigator vehicles.

    For each coverage type, the claim amount for all vehicles, without regard to make or model, is a value of 100. Values that are below 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate more frequent losses or a tendency for claims to be larger.

    Lincoln Navigator Insurance Claim Statistics
    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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Take advantage of these discounts

Auto insurance is neither fun to buy or cheap, but you may qualify for discounts to help offset the cost. Certain credits will be shown at the time of purchase, but lesser-known reductions have to be manually applied prior to getting the savings. If you are not receiving all the discounts available, you are just wasting money.Discount auto insurance

  • Safety Restraint Discount - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Safe Driver Discount - Insureds who avoid accidents may save up to 50% more than less cautious drivers.
  • Homeowners Savings - Just owning your own home can save you money due to the fact that maintaining a home is proof of financial responsibility.
  • Service Members Pay Less - Being deployed in the military may lower your rates slightly.
  • Switch and Save Discount - A few larger companies give discounts for switching companies before your current coverage expires. You may see this discount when you get Santa Ana auto insurance quotes online.
  • Sign Online - Certain companies will give a small break shop Santa Ana auto insurance on the internet.
  • Save with More Vehicles Insured - Drivers who insure all your vehicles with the same company may reduce the rate for each vehicle.
  • Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class in school.

As a footnote on discounts, most credits do not apply to the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. Even though it appears you could get a free auto insurance policy, companies don't profit that way.

The chart below illustrates the difference between Lincoln Navigator insurance prices with and without discounts applied. The premium estimates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, claim-free, homeowner, and marriage discounts applied.

To find companies that offer some of these discounts in California, click here.

Compare rates but buy from a neighborhood Santa Ana auto insurance agent

Some people still like to go talk to an agent and we recommend doing that The best thing about comparing insurance prices online is that you can find the lowest rates but also keep your business local.

Insurance agents in Santa AnaOnce you complete this quick form, your insurance coverage information is immediately sent to insurance agents in Santa Ana who will gladly provide quotes for your auto insurance coverage. You won't even need to leave your computer because prices are sent directly to you. You can most likely find cheaper rates without having to waste a lot of time. If you have a need to quote rates from a specific auto insurance provider, you just need to go to their quote page and give them your coverage information.

Finding the right company is decision based upon more than just the quoted price. Below are some questions you should ask.

  • Is the agency involved in supporting local community causes?
  • How much experience to they have in personal lines coverages?
  • Does the quote include credit and driving reports?
  • Do they have cheaper tiers of coverage?
  • Which companies can they place coverage with?

Listed below are agents in Santa Ana that may be able to provide price quotes for Lincoln Navigator insurance in Santa Ana.

View more Santa Ana agents

Car insurance is unique, just like you

When quoting and choosing coverage, there really is not a "best" method to buy coverage. Everyone's situation is unique so your insurance should reflect thatSafe vehicles cost less to insure Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • Is there coverage for injuries to my pets?
  • Am I covered if hit by an uninsured driver?
  • Should I pay a claim out-of-pocket?
  • Can I make deliveries for my home business?
  • Will my insurance pay for OEM parts?
  • Can I cancel at any time?
  • Should I sign the liability waiver when renting a car?

If you can't answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies.

Keep this in mind when shopping around

Affordable Lincoln Navigator insurance in Santa Ana can be purchased online as well as from independent agents in Santa Ana, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies do not provide online price quotes and usually these smaller providers prefer to sell through local independent agents.

We just showed you quite a bit of information on how to get a better price on Lincoln Navigator insurance in Santa Ana. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable Santa Ana auto insurance quotes. Consumers could even find that the biggest savings come from a smaller regional carrier. They may often insure only within specific states and give better rates compared to the large companies like State Farm and Allstate.

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