Find Cheaper Lincoln Navigator Insurance in Riverside

We don’t have to tell you that car insurance companies don’t want policyholders to shop around. Insureds who perform rate comparisons are likely to buy a new policy because there is a high probability of finding a cheaper policy. A recent insurance study discovered that drivers who regularly shopped around saved approximately $860 a year compared to drivers who never shopped for cheaper rates.

If saving money on car insurance is your ultimate goal, learning how to get price quotes and compare auto insurance can save time and make the process easier.

Insurance quote for Lincoln Navigator in RiversideTo save the most money, the best way to find cheaper quotes for auto insurance rates in Riverside is to do an annual price comparison from providers in California.

  1. Spend some time learning about how your policy works and the things you can change to prevent rate increases. Many rating factors that increase rates such as getting speeding tickets and a bad credit rating can be rectified by making minor driving habit or lifestyle changes.
  2. Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can provide price quotes for many different companies.
  3. Compare the new rates to your current policy to see if cheaper Navigator coverage is available in Riverside. If you find a lower rate, ensure coverage does not lapse between policies.
  4. Give proper notification to your current agent or company of your intention to cancel your current coverage and submit payment and a completed application for your new coverage. As soon as you have the new policy, keep the new proof of insurance certificate in your vehicle’s glove compartment or console.

An important note is to compare the same level of coverage on each quote and and to get rate quotes from as many carriers as you can. Doing this enables a level playing field and the most accurate and complete price analysis.

Car insurance data for a Lincoln Navigator

The coverage table below showcases detailed analysis of rate quotes for Lincoln Navigator models. Being aware of how auto insurance policy rates are determined can assist in making decisions when choosing a new policy provider.


Lincoln Navigator Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $416 $764 $450 $26 $134 $1,790 $149
Navigator 4WD $416 $764 $450 $26 $134 $1,790 $149
Navigator L 2WD $458 $764 $450 $26 $134 $1,832 $153
Navigator L 4WD $458 $764 $450 $26 $134 $1,832 $153
Get Your Own Custom Quote Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in your specific Riverside location which can decrease or increase premium rates greatly.

Policy deductibles

When comparing car insurance rates, the most common question is how high should the physical damage coverage deductibles be. The figures shown below lay out how much more rates are when you select higher and lower deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.


Lincoln Navigator insurance rates with $250 deductibles
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

Lincoln Navigator insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Navigator 2WD $266 $490 $442 $26 $132 $1,356 $113
Navigator 4WD $266 $490 $442 $26 $132 $1,356 $113
Navigator L 2WD $292 $490 $442 $26 $132 $1,382 $115
Navigator L 4WD $292 $490 $442 $26 $132 $1,382 $115
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in specific Riverside garaging location which can modify rates substantially.

Based on these figures, using a $250 deductible will cost you roughly $41 more each month or $492 annually than requesting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 18 months between claims, you would save more money if you choose the higher deductible.

Lincoln Navigator liability rates compared to full coverage

The information below shows the difference between Lincoln Navigator insurance premiums when comparing full coverage to state minimum liability only. Data assumes no accidents, no driving violations, $100 deductibles, single status, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There isn’t a steadfast formula to stop buying physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your Lincoln Navigator replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after paying your policy deductible. If it’s costing you more than $300 a year for physical damage coverage, then it might be time to buy liability only.

There are a few situations where dropping physical damage coverage is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Lower Your Riverside Insurance Prices

Many different elements are taken into consideration when quoting car insurance. A few of the factors are predictable like your driving record, although some other factors are less apparent like your continuous coverage or how financially stable you are. The best way to find cheaper insurance is to take a look at the different types of things that come into play when calculating your policy premiums. When you understand what determines premiums, this helps enable you to make changes that will entitle you to lower rates.

Shown below are most of the major factors companies use to determine rates.

Shop smart and save

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

We just showed you many tips how you can reduce Lincoln Navigator insurance premium rates online in Riverside. It’s most important to understand that the more quotes you get, the better your chances of lowering your prices. Consumers may even find the lowest priced car insurance comes from a lesser-known regional company.

Consumers leave their current company for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, high rates after DUI convictions and poor customer service. Whatever your reason, finding a great new company is actually quite simple.

More detailed car insurance information is located in these articles: