The best way to get discount Lincoln Navigator insurance in Bakersfield is to do a yearly price comparison from companies who sell insurance in California.
First, try to understand how insurance works and the steps you can take to keep rates low. Many things that result in higher rates like traffic tickets, fender benders, and an unacceptable credit score can be controlled by being financially responsible and driving safely. This article provides instructions to help reduce prices and find hidden discounts.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive and State Farm, while agents who are independent can provide rate quotes from many different companies. View prices
Third, compare the new quotes to your existing rates to see if you can save by switching companies. If you can save some money and decide to switch, make sure coverage does not lapse between policies.
The most important part of shopping around is that you use identical deductibles and limits on each quote and to quote with as many companies as possible. Doing this ensures a fair price comparison and a better comparison of the market.
A recent auto insurance study revealed that most auto insurance buyers renewed their policy with the same company for well over three years, and nearly 40% of drivers have never even shopped around for affordable coverage. Consumers in California can cut their rates by approximately 35% a year just by shopping around, but most tend to underestimate the benefits if they switched.
Locating the best rates in Bakersfield is easy if you know what you’re doing. If you are already insured, you will definitely be able to find the best rates using the concepts covered in this article. Smart buyers only need to know the proper methods to compare company rates on the web.
Get cheaper Lincoln Navigator insurance in Bakersfield with discounts
Auto insurance is easily one of your largest bills, but companies offer discounts that you may not even be aware of. Certain reductions will be credited at the time of purchase, but a few must be specifically requested prior to getting the savings.
- Discount for Low Mileage – Fewer annual miles on your Lincoln could be rewarded with discounted prices on garaged vehicles.
- Telematics Devices – Bakersfield drivers who agree to allow data collection to look at their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as the data is positive.
- Accident-Free Discounts – Insureds with no claims or accidents can save substantially in comparison to accident-prone drivers.
- New Car Discount – Insuring a new Navigator can save you some money because new model year vehicles are generally safer.
- Discount for Home Ownership – Just being a homeowner can get you a discount since home ownership is proof that your finances are in order.
- Senior Citizen Rates – Seniors are able to get a slight reduction on a Bakersfield auto insurance quote.
- Organization Discounts – Being a member of a qualifying organization may earn a discount when getting a Bakersfield auto insurance quote.
- E-sign – A few companies give back up to $50 simply for signing over the internet.
One last thing about discounts, most credits do not apply to the whole policy. Most cut individual premiums such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.
The information below compares Lincoln Navigator auto insurance costs with and without discounts applied to the premium. The information is based on a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, marriage, claim-free, and multi-policy discounts applied.
Large auto insurance companies and some of the premium reductions they offer are:
- State Farm offers premium reductions for good student, anti-theft, student away at school, Steer Clear safe driver discount, and safe vehicle.
- GEICO has discounts for air bags, driver training, anti-theft, seat belt use, and multi-policy.
- Allstate discounts include eSmart discount, good payer, premier plus, farm vehicle, good student, and FullPay discount.
- SAFECO offers discounts for anti-theft, anti-lock brakes, homeowner, teen safety rewards, drive less, and bundle discounts.
- Farm Bureau policyholders can earn discounts including good student, multi-vehicle, safe driver, driver training, and 55 and retired.
- Progressive has savings for homeowner, multi-policy, online quote discount, continuous coverage, good student, and multi-vehicle.
- AAA may include discounts for pay-in-full, good student, AAA membership discount, multi-policy, anti-theft, education and occupation, and good driver.
When getting a coverage quote, ask each insurance company how you can save money. Some of the discounts discussed earlier may not be available in your area. To choose providers who offer cheap Lincoln Navigator insurance quotes in Bakersfield, click here.
Getting cheap Lincoln Navigator auto insurance pricing isn’t really that difficult. You just need to take time getting comparison quotes provided by online insurance companies.
Doing online rates comparisons is so easy that it makes it a waste of time to spend your day driving to each insurance agency near you. The fact that you can get quotes online makes this process obsolete unless you prefer the extra assistance of an agent trained in personal lines coverage. Some companies do allow you to price shop online but have a local agent actually write the policy.
The following companies can provide quotes in Bakersfield, CA. If multiple companies are listed, it’s highly recommended you compare several of them in order to find the cheapest rates.
Statistics and details
The data table shown next showcases detailed analysis of policy rates for Lincoln Navigator models. Being aware of how auto insurance policy rates are established can benefit drivers when making decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Navigator L 2WD||$528||$932||$442||$26||$132||$2,060||$172|
|Navigator L 4WD||$528||$932||$442||$26||$132||$2,060||$172|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates significantly.
Irresponsible driving raises your rates
The illustration below shows how traffic citations and accidents impact Lincoln Navigator insurance prices for different age groups of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
Insurance rates based on gender
The information below shows the difference between Lincoln Navigator insurance costs for male and female drivers. The prices are based on a clean driving record, no claims, comp and collision included, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Difference between liability only and full coverage rates
The example below compares Lincoln Navigator insurance prices with full physical damage coverage and with liability coverage only. The premiums assume no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There isn’t a steadfast formula of when to eliminate comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Lincoln Navigator settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after the deductible is paid. If premiums are more than $500 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest. 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.
Don’t assume everyone needs the same auto insurance coverage
Always keep in mind that when comparing insurance from an agent or online for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.
For instance, these questions could help you determine if you might need professional guidance.
- I have a DUI can I still get coverage?
- What policy terms are available?
- Does coverage extend to my business vehicle?
- Do I need motorclub coverage?
- How can I get my company to pay me more for my totaled car?
- Does my Lincoln Navigator need full coverage?
- Am I covered if I crash into my own garage door?
- Is my teen driver covered when they drive my company car?
- Are all vehicle passengers covered by medical payments coverage?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.
Car insurance quotes from local neighborhood Bakersfield car insurance agents
A small number of people prefer to go talk to an agent and that is recommended in a lot of cases Agents can point out coverage gaps and help submit paperwork. One of the best bonuses of price shopping on the web is that you can find cheaper premium rates and still buy from a local agent.
After completing this quick form, your information is transmitted to participating agents in Bakersfield who will give you bids for your coverage. There is no reason to find an agent since price quotes are sent to the email address you provide. If you want to compare rates from a specific insurance company, don’t hesitate to search and find their rate quote page and fill out their quote form.
Finding a good company needs to be determined by more than just the price. These are some questions your agent should answer.
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they write coverage based solely on cost?
- Do the coverages you’re quoting properly cover your vehicle?
- What company holds the largest book of business for them?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do you need full coverage on every vehicle?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Is there a local claims center in Bakersfield?
The different types of auto insurance agents
When searching for a reputable insurance agent or broker, there are a couple of different types of agencies that differ in how they can insure your vehicles. Insurance agencies in Bakersfield can be classified as either exclusive agents or independent agents. Either type can write car insurance policies, but it’s important to know why they differ since it can affect buying decisions.
Exclusive Car Insurance Agencies
Exclusive insurance agents can only place business with one company like American Family, State Farm, and AAA. They usually cannot compare rates from other companies so they really need to provide good service. They are well trained on what they offer and that allows them to sell at a higher price point.
The following are Bakersfield exclusive agents that are able to give comparison quotes.
Agents of this type do not sell for just one brand and that enables them to quote your coverage through many companies and get you the best rates possible. If your agent finds better pricing, they simply switch companies in-house which requires no work on your part. When comparing rate quotes, you will want to get some free quotes from at least one independent agent to maximize your price options.
The following are independent insurance agencies in Bakersfield who can help you get price quotes.
After you get positive responses to any questions you have as well as a affordable price, chances are good that you have found a car insurance agent that will insure your vehicles.
Detailed coverages of your auto insurance policy
Having a good grasp of auto insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like doctor visits, prosthetic devices, dental work, rehabilitation expenses and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive (Other than Collision)
This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hail damage, theft and hitting a bird. The most your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for liability
This provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 15/30/5 which stand for $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability coverage pays for claims such as legal defense fees, medical expenses and emergency aid. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more liability than the minimum.
The next chart demonstrates why buying minimum limits may not provide you with enough coverage.
Protection from uninsured/underinsured drivers
This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Lincoln Navigator.
Because many people have only the minimum liability required by law (California limits are 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
Coverage for collisions
Collision insurance covers damage to your Navigator resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible on your Navigator to get cheaper collision coverage.
Quote. Compare. Save.
Consumers leave their current company for a variety of reasons including delays in paying claims, high prices, poor customer service and even policy non-renewal. Regardless of your reason, switching companies can be less work than you think.
Lower-priced Lincoln Navigator insurance in Bakersfield is available online in addition to many Bakersfield insurance agents, so you need to shop Bakersfield auto insurance with both in order to have the best price selection to choose from. Some insurance companies may not have internet price quotes and these small insurance companies only sell through independent insurance agencies.
You just learned many ways to lower your Lincoln Navigator insurance premium rates in Bakersfield. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable Lincoln Navigator insurance quotes. You may even find the lowest priced car insurance comes from the smaller companies.
More information can be read at these links:
- Auto Insurance 101 (About.com)
- What Insurance is Cheapest for State Employees in Bakersfield? (FAQ)
- How Much is Auto Insurance for Hybrid Vehicles in Bakersfield? (FAQ)
- What Insurance is Cheapest for a Chevrolet Silverado in Bakersfield? (FAQ)
- Who Has the Cheapest Bakersfield Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Keeping Children Safe in Crashes Video (iihs.org)