Regrettably, a large majority of drivers kept buying from the same company for at least four years, and practically 40% of car insurance customers have never compared rates to find cheaper insurance. Consumers in San Francisco can save hundreds of dollars each year just by getting comparison quotes, but they just assume it takes a lot of time to find cheaper car insurance rates.
The easiest way to quote cheaper car insurance rates is to make a habit of comparing prices annually from insurers who sell insurance in San Francisco.
Step 1: Read about how your policy works and the factors you can control to prevent expensive coverage. Many rating factors that increase rates such as speeding tickets, careless driving and a not-so-good credit score can be controlled by being financially responsible and driving safely.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from many different companies.
Step 3: Compare the price quotes to your existing coverage to see if a cheaper price is available in San Francisco. If you can save some money and buy the policy, verify that coverage does not lapse between policies.
Step 4: Provide written notification to your current company of your intent to cancel your current auto insurance policy and submit the application along with any required down payment to the new insurer. Once coverage is bound, put the certificate verifying coverage in a readily accessible location in your vehicle.
A good tip to remember is that you’ll want to make sure you compare similar limits and deductibles on every price quote and and to look at as many carriers as you can. Doing this ensures an apples-to-apples comparison and the best price quote selection.
If you have a policy now or need new coverage, use these cost-cutting techniques to shop for the lowest rates and possibly find even better coverage. Shopping for affordable protection in San Francisco can be fairly easy. Drivers only need an understanding of the proper methods to get comparison rates on the web.
Cheapest Lincoln Navigator insurance price quotes in San Francisco, CA
Getting cheap Lincoln Navigator insurance pricing is a great way to save money. Drivers just need to spend a few minutes on the computer comparing rates from online providers.
The companies in the list below can provide free rate quotes in San Francisco, CA. If several companies are displayed, we recommend you compare several of them to get the most affordable price.
Insurance protects more than just your car
Despite the high cost, paying for insurance may not be optional for several reasons.
- Almost all states have minimum mandated liability insurance limits which means state laws require a specific level of liability protection if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Lincoln, most banks will require you to have insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank or lender will purchase a policy for your Lincoln at a much higher premium rate and require you to fork over the higher premium.
- Insurance protects your Lincoln Navigator and your assets. It will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of buying insurance definitely exceed the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays more than $810 a year so shop around at every renewal to ensure rates are competitive.
Rates and information analytics
The rate table below showcases detailed analysis of insurance rates for Lincoln Navigator models. Understanding how policy premiums are established is important to be able to make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $412 | $912 | $500 | $30 | $150 | $2,004 | $167 |
| Navigator 4WD | $412 | $912 | $500 | $30 | $150 | $2,004 | $167 |
| Navigator L 2WD | $454 | $912 | $500 | $30 | $150 | $2,046 | $171 |
| Navigator L 4WD | $454 | $912 | $500 | $30 | $150 | $2,046 | $171 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Prices do not factor in your specific San Francisco location which can revise coverage rates substantially.
The diagram below illustrates how your deductible choice and can impact Lincoln Navigator insurance costs for each age group. The premiums assume a married female driver, comp and collision included, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The example below compares Lincoln Navigator insurance premiums with and without physical damage coverage. The premium estimates are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are factored in.
Should you pay for full coverage or liability only?
There is no specific rule for phasing out physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Lincoln Navigator claim 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 policy deductible has been paid. If premiums are more than $500 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where only buying liability is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Discounts can help lower rates on Lincoln Navigator insurance in San Francisco
Insuring your vehicles can cost a lot, but you might be missing out on some discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but once in a while a discount must be inquired about before they will apply.
- Smart Student Discounts – Being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
- Organization Discounts – Joining qualifying clubs or civic groups could qualify you for a break on your policy.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Payment Method – If you pay your bill all at once rather than paying in monthly installments you can actually save on your bill.
- Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts could see savings of more than 20%.
- E-sign – A few insurance companies will discount your bill up to fifty bucks for buying your policy on the web.
- Multi-Vehicle Discounts – Buying a policy with multiple vehicles with one company can get a discount on all vehicles.
- Accident Waiver – This one isn’t a discount, but companies like State Farm and Allstate permit an accident without the usual rate increase as long as you don’t have any claims for a set time period.
- Drive Less and Save – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Consumers should know that most discount credits are not given to the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, that’s just not realistic.
The illustration below visualizes the comparison of Lincoln Navigator yearly insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, 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 multi-policy, marriage, multi-car, homeowner, safe-driver, and claim-free discounts applied.
A list of car insurance companies and some of the premium reductions they offer can be read below.
- State Farm offers premium reductions for student away at school, good driver, multiple policy, accident-free, and driver’s education.
- GEICO has discounts for federal employee, emergency military deployment, anti-theft, five-year accident-free, anti-lock brakes, and defensive driver.
- SAFECO may include discounts for teen safe driver, anti-theft, multi-car, safe driver, drive less, and accident prevention training.
- Farmers Insurance offers discounts for bundle discounts, early shopping, electronic funds transfer, distant student, switch companies, good student, and pay in full.
- AAA may have discounts that include anti-theft, AAA membership discount, multi-car, pay-in-full, multi-policy, good student, and education and occupation.
- USAA has savings for loyalty savings, vehicle storage, multi-vehicle, safe driver, and driver training.
When getting free San Francisco car insurance quotes, it’s a good idea to all the companies which credits you are entitled to. Savings might not be offered on policies in every state.
Local insurance agents
A small number of people still like to get professional advice from a licensed agent and there is nothing wrong with that. Agents are highly skilled in risk management and help you file claims. One of the benefits of getting online price quotes is you can get the best rates and still buy from a local agent.
To help locate an agent, after submitting this simple form, your insurance coverage information is sent to participating agents in San Francisco that provide free San Francisco car insurance quotes for your insurance coverage. It’s much easier because you don’t need to find an agent since price quotes are sent to the email address you provide. If for some reason you want to get a comparison quote from a specific insurance provider, you would need to jump over to their website and give them your coverage information.
Picking an company requires more thought than just a cheap price. Any agent in San Francisco should have no problem answering these questions:
- If independent agents, which companies do they recommend?
- Which family members are covered?
- What company do they have the most business with?
- How would your car be valued if totaled?
- What are the financial ratings for the companies they represent?
- Are claims handled at the agent’s location?
- How experienced are they in personal risk management?
- Do they have cheaper tiers of coverage?
The following is a list of insurers in San Francisco that may be willing to give comparison quotes for Lincoln Navigator insurance in San Francisco.
- Steven Cresci Insurance Agency
544 Golden Gate Ave – San Francisco, CA 94102 – (415) 212-8190 – View Map - Milber Health Insurance Agent
1492 11th Ave – San Francisco, CA 94122 – (415) 564-8829 – View Map - Yan Lukito – State Farm Insurance Agent
5214 Diamond Heights Blvd i – San Francisco, CA 94131 – (415) 282-5558 – View Map - Lynn Petrie Lange – State Farm Insurance Agent
3717 Buchanan St #100 – San Francisco, CA 94123 – (415) 923-0192 – View Map
When do I need an agent’s advice?
When it comes to the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are unique to you.
Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.
- When do I need to add a new car to my policy?
- What does roadside assistance cover?
- Am I covered while delivering pizza?
- If my car is totaled with they pay enough to replace it?
- What is an SR-22 filing?
- Do I need higher collision deductibles?
- What is the premium to book value ratio for dropping full coverage?
- Do I have ACV or replacement cost coverage?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
In Summary
When shopping online for car insurance, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where drivers have reduced physical damage coverage and discovered at claim time that they should have had better coverage. Your goal is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.
Lower-priced car insurance in San Francisco can be found from both online companies and with local San Francisco insurance agents, so get free San Francisco car insurance quotes from both of them so you have a total pricing picture. Some car insurance companies do not provide the ability to get quotes online and many times these regional insurance providers sell through independent agencies.
People leave their current company for a number of reasons such as policy non-renewal, denial of a claim, unfair underwriting practices and even lack of trust in their agent. It doesn’t matter what your reason, finding a new car insurance company is less work than it seems.
Even more information is located by following these links:
- Winter Driving (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for Ride Shares in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance Rates for Low Mileage Drivers? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)