Cheap Lincoln Navigator Insurance in San Jose

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Insurance rates Lincoln Navigator in San JoseA recent car insurance study discovered that most car insurance buyers have stayed with the same insurance company for well over three years, and approximately 40% of consumers have never compared rates from other carriers. Consumers in San Jose could save about 35% a year just by getting comparison quotes, but most just don't grasp the benefits if they swap their current policy for a cheaper one.

Truthfully, the best way to get low-cost Lincoln Navigator insurance is to start comparing prices regularly from providers in San Jose. Rates can be compared by following these steps.

  1. Get an understanding of how insurance works and the modifications you can make to lower rates. Many rating factors that cause rate increases like at-fault accidents, speeding tickets, and a less-than-favorable credit rating can be amended by improving your driving habits or financial responsibility.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of insurance providers. View rates
  3. Compare the new quotes to your current policy premium to determine if switching companies saves money. If you find a better price and decide to switch, ensure coverage does not lapse between policies.

One key aspect when comparing rates is to compare the same liability limits and deductibles on each quote request and and to analyze as many companies as feasibly possible. Doing this guarantees the most accurate price comparison and the best rate selection.

Choosing the best rates in San Jose is much easier if you know where to start. Practically every person who compares rates for auto insurance will be able to cut their insurance bill. Nevertheless, California vehicle owners benefit from understanding the methods companies use to determine premium rates and use it to find better rates.

Best Lincoln Navigator insurance prices in California

The providers in the list below offer price quotes in San Jose, CA. If multiple providers are shown, it's a good idea that you get prices from several of them to get the cheapest price.

Lincoln Navigator coverage statistics

The premium information shown next highlights detailed analysis of coverage prices for Lincoln Navigator models. Learning more about how rates are established can be useful when making informed purchases.

Lincoln Navigator Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $272 $534 $424 $26 $126 $1,382 $115
Navigator 4WD $272 $534 $424 $26 $126 $1,382 $115
Navigator L 2WD $300 $534 $424 $26 $126 $1,410 $118
Navigator L 4WD $300 $534 $424 $26 $126 $1,410 $118
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can impact insurance rates significantly.

Physical damage deductibles: Should you raise them?

One common question asked by San Jose drivers is which deductibles should you choose. The premium rates below summarize the rate differences between low and high insurance deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Lincoln Navigator insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $478 $932 $442 $26 $132 $2,035 $170
Navigator 4WD $478 $932 $442 $26 $132 $2,035 $170
Navigator L 2WD $528 $932 $442 $26 $132 $2,085 $174
Navigator L 4WD $528 $932 $442 $26 $132 $2,085 $174
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Lincoln Navigator insurance premium rates with $500 deductibles
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-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in San Jose location which can influence auto insurance rates considerably.

We can estimate from the data above that using a $100 deductible costs about $38 more each month or $456 every year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 11 months between claims, you would most likely save money if you choose the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $172
Average monthly premium for $500 deductibles (subtract): - $134
Monthly savings from raising deductible: $38
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

One big caveat is that raising deductibles means you will have to pay more when you have a physical damage claim. That will necessitate enough money in the bank in the event you have to pay the deductible for vehicle repair.

The example below shows how choosing a deductible and can change Lincoln Navigator premium costs for different age categories. The price estimates are based on a married male driver, full coverage, and no discounts are taken into consideration.

Affordable rates by taking advantage of discounts

Auto insurance is not cheap nor is it fun to buy but you may qualify for discounts that you may not know about. Many discounts should be triggered when you purchase, but lesser-known reductions have to be specifically requested before they will apply. If you aren't receiving every discount you qualify for, it's possible you qualify for a lower rate.

  • Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Driving Data Discount - Policyholders that allow driving data collection to look at driving manner by using a telematics device in their vehicle like In-Drive from State Farm and Progressive's Snapshot may see discounts if they have good driving habits.
  • Own a Home - Just being a homeowner can get you a discount due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Responsible Drivers - Safe drivers can save up to 40% or more on their San Jose car insurance quote compared to rates paid by drivers with frequent claims.
  • Discount for Low Mileage - Low annual miles may enable drivers to earn slightly better premium rates than normal.
  • Employee of Federal Government - Federal government employees could provide a small rate reduction with a few auto insurance companies.
  • Discounts for Multiple Vehicles - Buying insurance for more than one vehicle on a single policy can get a discount on all vehicles.
  • ABS Brakes - Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and will save you 10% or more on Navigator insurance in San Jose.
  • Multi-policy Discount - If you insure your home and vehicles and insure them with the same company you will save as much as 10 to 15 percent.
  • Air Bag Discount - Cars that have air bags and/or automatic seat belt systems could see savings of 20% or more.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

The example below illustrates the difference between Lincoln Navigator yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or violations, 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 marriage, claim-free, multi-policy, safe-driver, multi-car, and homeowner discounts applied.

A list of auto insurance companies and some of their more popular discounts are shown below.

  • State Farm offers premium reductions for driver's education, defensive driving training, accident-free, student away at school, multiple policy, and Steer Clear safe driver discount.
  • Nationwide includes discounts for family plan, defensive driving, multi-policy, Farm Bureau membership, good student, and accident-free.
  • GEICO may offer discounts for multi-policy, federal employee, daytime running lights, defensive driver, five-year accident-free, anti-lock brakes, and emergency military deployment.
  • AAA policyholders can earn discounts including multi-policy, good student, pay-in-full, AAA membership discount, anti-theft, good driver, and multi-car.
  • 21st Century may include discounts for homeowners, automatic seat belts, anti-lock brakes, student driver, and early bird.
  • The Hartford has savings for defensive driver, good student, bundle, driver training, anti-theft, and air bag.

Before purchasing a policy, check with each company or agent which discounts you qualify for. Some credits may not be offered in your area. To locate auto insurance companies that offer many of these discounts in California, click here to view.

Insurance agencies are trained to help

Some people still prefer to buy from a licensed agent and that is just fine! A nice benefit of comparing rate quotes online is you can get lower rates but still work with a licensed agent.

Upon completion of this quick form, your coverage information is sent to local insurance agents in San Jose who will gladly provide quotes for your business. It makes it easy because there is no need to drive around because quoted prices will be sent to you instantly. You can find the lowest rates without the usual hassles of price shopping. If for some reason you want to compare rates from a specific car insurance provider, just go to their quote page and fill out their quote form.

Finding a good insurer shouldn't rely on just the bottom line cost. Any agent in San Jose should have no problem answering these questions:

  • If independent agents, which companies do they recommend?
  • Can they give you a list of client referrals?
  • Is working in the agency their full-time job?
  • Which insurance companies are they affiliated with?
  • When do they do policy reviews?
  • Is the quote a firm price?
  • How long have they worked with personal auto insurance coverage?
  • Is there a local claims center in San Jose?

Two types of auto insurance agents

When researching a reliable insurance agent, it's important to understand the different types of agents that you can choose from. Agents may be either independent (non-exclusive) or exclusive.

Exclusive Car Insurance Agents

These agents have only one company to place business with such as State Farm, Allstate and AAA. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on sales techniques and that can be a competitive advantage.

Listed below are San Jose exclusive agents who can help you get price quotes.

2195 Monterey Rd #20 - San Jose, CA 95125 - (408) 286-4342 - View Map

301 N Jackson Ave #12 - San Jose, CA 95133 - (408) 259-8826 - View Map

950 S Bascom Ave #2113 - San Jose, CA 95128 - (408) 297-6686 - View Map

View more San Jose agents

Independent Car Insurance Agencies

Agents of this type are not locked into one company and that allows them to write policies with any number of different companies and find the cheapest rate. If prices rise, your agent can just switch to a different company and you don't have to do anything.

When shopping rates, you will want to get rate quotes from several independent agencies in order to have the best price comparison.

Below are San Jose independent insurance agencies willing to provide rate quotes.

738 N 1st St - San Jose, CA 95112 - (408) 350-5700 - View Map

3750 McKee Rd A - San Jose, CA 95127 - (408) 272-2500 - View Map

All Coverage Insurance Agency
3033 Moorpark Ave #27 - San Jose, CA 95128 - (408) 244-9100 - View Map

View more San Jose agents

If you get good answers for all questions you ask and a low price estimate, you may have found a car insurance agent that meets the criteria to properly insure your vehicles. Keep in mind policyholders can terminate your policy any time you want so never assume you're contractually obligated to any specific company for the full term.

A little work can save a LOT of money

We just showed you a lot of information how to save on Lincoln Navigator insurance in San Jose. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding inexpensive San Jose car insurance quotes. Consumers may even find the best premium rates are with a smaller regional carrier. Regional companies may only write in your state and offer lower prices than their larger competitors like Allstate, GEICO and Progressive.

Discount Lincoln Navigator insurance in San Jose can be found both online in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and these smaller companies prefer to sell through independent insurance agencies.

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