I can’t think of anyone who rejoices having to buy insurance, particularly when they are paying too much.
A recent study showed that a large majority of insurance policyholders have stayed with the same insurance company for over three years, and virtually 40% of consumers have never shopped around. Consumers in Fresno could save 35% a year just by shopping around, but they don’t believe the amount of money they would save if they just switched companies. Due to the increasing number of choices of insurance companies that have lower-cost insurance for a Lincoln Navigator in Fresno, it’s difficult to locate the right insurance provider.
It’s a great practice to compare prices as often as possible because insurance rates change regularly. Despite the fact that you may have had the lowest rate on Lincoln Navigator insurance in Fresno six months ago the chances are good that you can find a lower price today. Ignore everything you know about insurance because you’re about to learn the only way to buy cheaper Lincoln Navigator insurance in Fresno.
Buying the cheapest auto insurance in Fresno can be easy if you know a few tricks. If you have insurance now, you will surely be able to shop for the lowest rates using the tips covered below. Consumers just have to learn the proper methods to compare price quotes from multiple carriers.
Cheaper rates on Lincoln Navigator insurance in Fresno with these car insurance discounts
Some providers don’t list all discounts very well, so the next list breaks down some of the best known as well as the least known car insurance savings. If you aren’t receiving every discount you qualify for, you could be saving more on your car insurance.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
- Paperwork-free – Some companies will give you a small discount for buying your policy on your computer.
- New Car Discount – Insuring a new Navigator can be considerably cheaper since new vehicles are generally safer.
- Life Insurance – Insurance companies who offer life insurance give a break if you buy a life insurance policy as well.
- Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, nobody gets a free ride. Any qualifying discounts will positively reduce your car insurance premiums.
The chart below illustrates the difference between Lincoln Navigator annual premium costs with and without some available policy discounts. The costs are based on a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-car, multi-policy, and homeowner discounts applied.
Auto insurance companies that may offer policyholders these benefits possibly include:
Check with each company or agent which discounts you may be entitled to. A few discounts might not be offered on policies in Fresno. If you would like to choose from a list of companies that provide some of the discounts listed above in California, click here to view.
Reducing your insurance rates is an easy way to save money. The only thing you need to do is spend a few minutes comparing rates from different insurance companies.
Comparing free quotes online is easy and it, takes the place of having to waste gas driving to local insurance agencies. Doing it all online has reduced the need for local agents unless you want the extra assistance of a local agency. It is possible to comparison shop online but still have the advice of a local agent.
The companies in the list below are ready to provide comparison quotes in Fresno, CA. In order to find the best cheap auto insurance in Fresno, we recommend you visit several of them to find the most affordable car insurance rates.
Coverage information
The table below covers different coverage costs for Lincoln Navigator models. Being more informed about how auto insurance policy rates are determined can help drivers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $228 | $506 | $500 | $30 | $150 | $1,414 | $118 |
| Navigator 4WD | $228 | $506 | $500 | $30 | $150 | $1,414 | $118 |
| Navigator L 2WD | $252 | $506 | $500 | $30 | $150 | $1,438 | $120 |
| Navigator L 4WD | $252 | $506 | $500 | $30 | $150 | $1,438 | $120 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in specific garaging location which can raise or lower auto insurance rates noticeably.
Deductible comparison
When buying insurance, a common question is how high should the physical damage deductibles be. The data tables below may help to illustrate the difference in cost between low and high physical damage coverage deductibles. The first rate table uses a $250 deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Navigator 4WD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Navigator L 2WD | $474 | $780 | $442 | $26 | $132 | $1,879 | $157 |
| Navigator L 4WD | $474 | $780 | $442 | $26 | $132 | $1,879 | $157 |
| Get Your Own Custom Quote Go | |||||||
| 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 Custom Quote Go | |||||||
Above prices assume 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, safe-driver, and homeowner. Information does not factor in specific location information which can change coverage rates noticeably.
Based on this data, using a $250 deductible costs roughly $21 more each month or $252 a year than quoting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 12 months between claims, you would probably save some money if you decide on a higher deductible. Here is how you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $155 |
| Average monthly premium for $500 deductibles (subtract): | – $134 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
The diagram below demonstrates how deductible levels and can increase or decrease Lincoln Navigator insurance costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Safe drivers pay cheaper rates
The diagram below shows how speeding tickets and at-fault collisions can influence Lincoln Navigator insurance prices for different categories of driver ages. The costs are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Insurance cost for men versus women
The information below visualizes the comparison of Lincoln Navigator auto insurance costs for male and female drivers. The rates are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are factored in.
Do you need full coverage?
The illustration below illustrates the comparison of Lincoln Navigator auto insurance costs when comparing full coverage to liability only. Data assumes no violations or accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no clear-cut formula to delete physical damage insurance, but there is a general convention. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s assume your Lincoln Navigator book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying your deductible. If you are paying over $500 annually for full coverage, then it may be the right time to buy liability only.
There are some cases where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Get rate quotes but still have a local Fresno insurance agent
A lot of people would prefer to get advice from a local agent and that is just fine! Professional agents are highly skilled in risk management and help you file claims. One of the great benefits of comparing insurance prices online is that drivers can save money and get lower rates and still have a local agent.
To help locate an agent, after submitting this short form, your insurance data is emailed to insurance agents in Fresno who can give free rate quotes and help you find cheaper coverage. You don’t have to even leave your home since price quotes are sent directly to your email. If you wish to compare rates from a specific insurance company, feel free to go to their quote page and complete a quote there.
Selecting an provider needs to be determined by more than just the premium amount. These are some questions you should get answers to.
- Who is covered by the car insurance policy?
- Where are claims handled?
- Do they specialize in personal lines coverage in Fresno?
- Which company do they place the most coverage with?
- Which insurance companies are they affiliated with?
- Are you getting all the discounts the company offers?
Compare rates from both independent and exclusive auto insurance agents
If you are searching for a reliable agent, it helps to know the two different types of agents and how they differ in how they can insure your vehicles. Insurance agents may be either exclusive or independent. Either one can provide insurance policies, but it’s a good idea to understand the subtle differences since it can impact buying decisions.
Exclusive Insurance Agents
These type of agents normally can only provide a single company’s rates and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are usually quite knowledgeable on what they offer which helps them compete with independent agents.
Shown below are Fresno exclusive agencies who can help you get price quotes.
Farmers Insurance: Israel Cortes
5446 N Palm Ave #105 – Fresno, CA 93704 – (559) 230-1300 – View Map
Bob Perry – State Farm Insurance Agent
3210 E Shields Ave #6 – Fresno, CA 93726 – (559) 224-4546 – View Map
Allstate Insurance: Gary Gonzales
191 W Shaw Ave Ste 109 – Fresno, CA 93704 – (559) 243-2020 – View Map
Independent Agents
These type of agents are not employed by any specific company so they can quote policies with lots of companies and potentially find a lower price. If prices rise, your agent can just switch to a different company and you can keep the same agent. When searching for an agent, it’s a good idea to contact several independent insurance agents to have the most options to choose from.
The following is a short list of independent agencies in Fresno willing to provide comparison quotes.
Agri-Center Insurance Inc
2650 W Shaw Ln – Fresno, CA 93711 – (559) 233-0123 – View Map
Avakian Insurance Services, Inc.
1274 W Hedges Ave – Fresno, CA 93728 – (559) 268-7386 – View Map
United Valley Insurance – Easton
5722 S Elm Ave – Fresno, CA 93706 – (559) 268-8813 – View Map
Frequent quotes can save
We just presented some good ideas how you can reduce Lincoln Navigator insurance premium rates online in Fresno. The most important thing to understand is the more you quote Fresno auto insurance, the better likelihood of getting low cost Fresno auto insurance quotes. Consumers may even find the most savings is with a smaller regional carrier. These companies may only write in your state and offer lower prices compared to the large companies like GEICO and State Farm.
Cost effective Lincoln Navigator insurance is possible online and from local agencies, and you need to comparison shop both to have the best selection. Some insurance companies don’t offer price quotes online and many times these small, regional companies work with independent agents.
How to save money on Lincoln Navigator insurance in Fresno
The preferred way to get more affordable auto insurance rates in Fresno is to regularly compare quotes from different companies who provide car insurance in California.
- First, try to learn a little about how insurance companies determine prices and the steps you can take to lower rates. Many rating factors that cause rate increases such as traffic tickets, fender benders, and a not-so-good credit score can be improved by making minor changes to your lifestyle.
- Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agencies can quote rates from multiple sources.
- Third, compare the new quotes to your existing coverage and determine if there is any savings. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, tell your current agent or company of your intent to cancel your existing policy. Submit the signed application along with the required initial payment for the new policy. Make sure you safely store the proof of insurance certificate in an easily accessible location.
The key aspect of shopping around is that you’ll want to make sure you compare the same amount of coverage on every quote and and to analyze as many companies as you can. This provides a fair rate comparison and the best price quote selection.
More tips and info about insurance is available in these articles:
- Vehicle Insurance (Wikipedia)
- How Much is Car Insurance for Handicapped Drivers in Fresno? (FAQ)
- What Insurance is Cheapest for Immigrants in Fresno? (FAQ)
- How Much is Fresno Auto Insurance for Police Officers? (FAQ)
- Who Has Affordable Fresno Auto Insurance Rates for Postal Workers? (FAQ)
- Which Company has the Cheapest Auto Insurance in Fresno, California? (FAQ)
- Red Light Cameras (State Farm)
- Anti-Lock Brake FAQ (iihs.org)