Best Ways to Save on Atlanta Lincoln Navigator Insurance

Insurance for Lincoln NavigatorWant to learn the secrets to finding low-cost Lincoln Navigator insurance in Atlanta? Shopping for the lowest cost Atlanta Lincoln Navigator insurance quotes might seem rather difficult for drivers who are beginners to quoting and shopping for insurance on the internet. With dozens of insurers to choose from, how can anyone be able to compare every possible option in order to find the best price?

Unbelievable but true, most consumers kept their policy with the same company for four years or more, and almost half have never even compared rates from other companies. Many consumers in Georgia could save themselves nearly 60% a year, but they don’t want to spend time to compare other rate quotes.

Low-cost companies for Lincoln Navigator insurance in Georgia

The car insurance companies shown below provide comparison quotes in Georgia. If the list has multiple companies, we suggest you compare several of them to find the most competitive car insurance rates.

Lincoln Navigator Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $270 $438 $516 $30 $154 $1,408 $117
Navigator 4WD $310 $560 $394 $24 $118 $1,406 $117
Navigator L 2WD $404 $812 $414 $24 $124 $1,778 $148
Navigator L 4WD $342 $560 $394 $24 $118 $1,438 $120
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Table data does not factor in vehicle location which can increase or decrease price quotes noticeably.

Deductible analysis

When buying car insurance, a common question is which comprehensive and collision deductibles to buy. The comparisons below lay out the difference in cost when you buy lower versus higher physical damage deductibles. The first set of prices uses a $100 physical damage deductible and the second set of rates uses a $500 deductible.

Lincoln Navigator insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $426 $830 $394 $24 $118 $1,817 $151
Navigator 4WD $426 $830 $394 $24 $118 $1,817 $151
Navigator L 2WD $470 $830 $394 $24 $118 $1,861 $155
Navigator L 4WD $470 $830 $394 $24 $118 $1,861 $155
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Lincoln Navigator insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $310 $560 $394 $24 $118 $1,406 $117
Navigator 4WD $310 $560 $394 $24 $118 $1,406 $117
Navigator L 2WD $342 $560 $394 $24 $118 $1,438 $120
Navigator L 4WD $342 $560 $394 $24 $118 $1,438 $120
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in your specific Atlanta location which can modify premium rates noticeably.

Based on these figures, using a $100 deductible could cost the average driver approximately $34 more each month or $408 for a full year than choosing the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 12 months between claims, you would save money if you choose a higher deductible. The table below illustrates how this calculation is made.

Average monthly premium for $100 deductibles: $153
Average monthly premium for $500 deductibles (subtract): – $119
Monthly savings from raising deductible: $34
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

An important thing to remember is that raising deductibles means you pay more out-of-pocket when you have to file a claim. You need some savings in order to pay the deductible to have repairs made.

How violations and accidents impact rates

The chart below demonstrates how traffic citations and at-fault fender-benders can drive up Lincoln Navigator insurance costs for different age groups of insureds. The premiums assume a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.

Don’t overlook these Lincoln Navigator insurance discounts

Not many people think insurance is cheap, but there’s a good chance there are discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but lesser-known reductions have to be specifically requested prior to receiving the credit.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky. But all discounts will definitely lower your overall bill.

Car insurance companies that may include many of the previously listed discounts include:

Before you buy a policy, ask each insurance company which discounts you qualify for. Some discounts might not be offered in your area. To see a list of car insurance companies with discount car insurance rates in Atlanta, click this link.

What is the best car insurance coverage?

Always keep in mind that when comparing adequate coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

These are some specific questions might point out if you might need an agent’s assistance.

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

When to have guidance from a local insurance agent

Certain consumers still like to talk to an insurance agent and that is a smart decision The best thing about getting free rate quotes online is you can get the lowest rates and still have an agent to talk to. Buying from and supporting neighborhood insurance agencies is still important in Atlanta.

Find insurance agent in AtlantaBy using this form (opens in new window), the coverage information is emailed to companies in Atlanta who will gladly provide quotes for your business. It’s much easier because you don’t need to contact any agents because prices are sent to your email. You can find the lowest rates AND a local agent. If you need to quote rates from a specific company, you would need to visit that company’s website and submit a quote form there.

The different types of auto insurance agents

If you are searching for a good Atlanta insurance agent, it can be helpful to understand the different types of agencies to choose from. Insurance agencies in Atlanta can be classified as either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agents

Agents of this type are not locked into one company and that gives them the ability to insure through many different car insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, the agent simply finds a different carrier and you don’t have to switch agencies. If you are trying to find cheaper rates, it’s recommended you include a few independent agents so that you have a good selection of quotes to compare. Many independent agencies also insure through small regional insurance companies which may provide better rates.

Shown below is a small list of independent agents in Atlanta that may be able to give pricing information.

More insurance agents

Exclusive Insurance Agents

Agents that elect to be exclusive are contracted to one company such as State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents receive extensive training in insurance sales which helps them compete with independent agents. Some insured continue to choose to use an exclusive agent mainly due to the brand and strong financial ratings.

The following is a short list of exclusive agents in Atlanta willing to provide rate quotes.

More insurance agents

Choosing the best car insurance agent needs to be determined by more than just the bottom line cost. Before buying a policy in Atlanta, get answers to these questions.

Auto insurance ads are enticing

Companies like 21st Century, Allstate and State Farm continually stream ads on television and other media. They all have a common claim that drivers can save some big amount after switching your policy. How is it plausible that every one can charge you a lower premium? Here is how they do it.

All companies can use profiling for the type of customer that earns them the most money. For instance, a preferred risk may be over the age of 35, has no claims, and drives less than 5,000 miles a year. Anyone who fits that profile will get a cheap rate quote in Atlanta and will probably save if they switch.

Drivers who don’t measure up to these stringent criteria will probably have to pay a higher premium which translates to the prospect going elsewhere. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” save money. That is how insurance companies can make those statements.

Because of this risk profiling, you need to get Atlanta auto insurance quotes from several different companies. It’s just not possible to know with any certainty which company will have the lowest Lincoln Navigator insurance in Atlanta.

The lowest rates come from being thorough

The cheapest Lincoln Navigator insurance in Atlanta is attainable from both online companies in addition to local insurance agencies, and you need to price shop both to have the best rate selection. Some companies don’t offer rates over the internet and most of the time these regional insurance providers sell through independent insurance agencies.

People leave their current company for any number of reasons including not issuing a premium refund, delays in responding to claim requests, policy cancellation and even unfair underwriting practices. No matter why you want to switch, finding a new insurance company is not as difficult as it may seem.

When shopping online for insurance, make sure you don’t reduce needed coverages to save money. There are a lot of situations where someone dropped collision coverage only to regret that it was a big error on their part. The goal is to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

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