Having to pay for expensive auto insurance in Atlanta can consume your family's budget and possibly require postponing other expenditures. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your monthly bill.
A recent auto insurance study discovered that almost 70% of insureds in Georgia kept buying from the same company for at least the last four years, and 38% of customers have never compared rates to find cheaper insurance. With the average auto insurance premium being $1,847, American drivers could save themselves $859 a year by just shopping around, but they don't believe the benefits if they replace their high priced policy. Because there are so many options when it comes to auto insurance, it can be challenging to locate a lower cost insurance company.
Locating the best rates in Atlanta is quite easy if you know the best way to do it. If you have a current car insurance policy or just want a better rate, use these money-saving tips to get lower rates without reducing coverage. You just need to learn the most efficient way to compare insurance rates over the internet.
How to compare Lincoln Navigator insurance rate quotes in Atlanta
The companies in the list below are ready to provide free rate quotes in Georgia. If multiple companies are listed, we suggest you compare several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Navigator L 2WD||$534||$830||$516||$30||$154||$2,064||$172|
|Navigator L 4WD||$332||$550||$402||$24||$120||$1,428||$119|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Information does not factor in specific garaging location which can raise or lower auto insurance rates significantly.
An analysis of deductible level
The information below highlights how deductible selection and can impact Lincoln Navigator insurance costs for each different age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Car insurance policy discounts for Lincoln Navigator insurance in Atlanta
Companies offering auto insurance don't always publicize every policy discount in a way that's easy to find, so we took the time to find both well-publicized as well as the least known credits available to lower your premiums when you buy Atlanta auto insurance online. If you aren't receiving every discount you qualify for, you could be getting lower rates.
- Passive Restraints - Factory options such as air bags can qualify for discounts of 25 to 30%.
- Military Discounts - Being on active deployment in the military can result in better premium rates.
- Multi-policy Discount - When you have multiple policies with one insurance company you could save up to 20% and get you affordable Lincoln Navigator insurance rates in Atlanta.
- Student Driver Training - Have your child successfully take a driver's education course in school or through a local driver safety program.
- Life Insurance - Insurance carriers who offer life insurance give better premium rates if you take out a life insurance policy as well.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, it just doesn't work that way.
The best car insurance companies and their possible discounts are detailed below.
- State Farm may include discounts for good student, multiple autos, safe vehicle, good driver, passive restraint, and driver's education.
- Progressive offers discounts for homeowner, online signing, continuous coverage, online quote discount, multi-policy, and multi-vehicle.
- Travelers discounts include payment discounts, IntelliDrive, multi-policy, early quote, and hybrid/electric vehicle.
- American Family has discounts for good driver, early bird, good student, multi-vehicle, and defensive driver.
- Liberty Mutual offers discounts including multi-car, new vehicle discount, new graduate, teen driver discount, newly married, and good student.
If you need lower rates, check with every insurance company the best way to save money. A few discounts might not be offered in every state.
Exclusive or independent insurance agencies
Some consumers would prefer to get advice from a local agent and that is a personal choice. Professional agents can answer important questions and give you someone to call. A good thing about comparing rate quotes online is that drivers can save money and get cheaper prices but still work with a licensed agent.
To help locate an agent, after submitting this short form, the quote information is emailed to local insurance agents that provide free Atlanta auto insurance quotes for your insurance coverage. You won't even need to contact an agency since price quotes are sent directly to you. In the event you want to get a comparison quote from a particular provider, don't hesitate to navigate to their website and complete a quote there.
Finding a good insurance company should include more criteria than just a low price. Any agent in Atlanta should have no problem answering these questions:
- What company holds the largest book of business for them?
- How much can you save by raising your physical damage deductibles?
- Can you get a list of referrals?
- Is the agency active in community causes in Atlanta?
- Has the agent ever had any license suspensions?
What type of Atlanta car insurance agent is right for you?
If you are wanting to find a local Atlanta insurance agent, you must know there are a couple different types of agents and how they work. Agents in Atlanta may be either exclusive agents or independent agents. Either one can insure your vehicles properly, but it's important to know the subtle differences since it can affect your selection of an agent.
Agents that choose to be exclusive can only write with one company like State Farm or Allstate. They are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are trained well on their products and sales techniques which helps overcome the inability to quote other rates.
Shown below are Atlanta exclusive insurance agents that can give you comparison quotes.
Independent Agencies or Brokers
These type of agents can quote rates with many companies so they can write business through many companies and get the cheapest rates. If they find a cheaper price, an independent agent can move your coverage and the insured can keep the same agent. If you are comparing rate quotes, you should always get insurance quotes from at least one independent agent for the best price selection.
Shown below is a list of independent insurance agents in Atlanta that are able to give price quotes.
Why Informed Consumers Pay Less for Lincoln Navigator Insurance
Many factors are used when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other factors are not as apparent such as your credit history or how financially stable you are.
The following are a partial list of the pieces insurance companies consider when setting rates.
Bump up physical damage deductibles to lower rates - Comp and collision deductibles are how much you are required to pay in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are rearending another vehicle, animal collisions, and damage caused by road hazards. The higher the amount you're willing to pay, the lower your rates will be.
Marriage discount - Being married actually saves money on your insurance policy. Having a spouse is viewed as being more responsible and statistics show married drivers get in fewer accidents.
Drive a safer car and pay less - Vehicles with high crash test scores tend to be cheaper to insure. Safer cars reduce injuries and reduced instances of injuries translates directly to fewer claims and thus lower rates.
Little extras can really add up - There are a lot of extra coverages that sound like a good idea at the time if you aren't careful. Coverage for things like roadside assistance, towing, and term life insurance may be wasting your money. They may sound like good ideas when you first buy your policy, but if they're wasting money consider taking them off your policy.
Alarms and GPS tracking lower insurance rates - Driving a car with advanced anti-theft systems can save you some money. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
Pleasure use saves money - The more you drive annually the more you will pay for insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles that sit idle most of the time receive better premium rates than vehicles that have high annual mileage. Having the wrong rating on your Navigator is just wasting money. It's a smart idea to ensure your insurance policy states annual mileage, because improper ratings can cost you money.
How credit rating affects insurance premiums - An insured's credit history factor in determining premium rates. If your credit is not that good, you could save money insuring your Lincoln Navigator by spending a little time repairing your credit. Consumers who have high credit ratings tend to be more responsible as compared to drivers with bad credit.
Lincoln Navigator statistical loss data - Insurance companies use past insurance losses as a way to help calculate a profitable premium price. Models that historically have higher prevalence or dollar amount of losses will have higher premium rates. The table below illustrates the actual insurance loss data for Lincoln Navigator vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, as a total average, is equal to 100. Numbers below 100 are indicative of better than average losses, while values that are above 100 indicate higher probability of having a loss or tendancy to have higher losses.
Lincoln Navigator Insurance Claim Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Lincoln Navigator 4dr 2WD||109||114||61|
|Lincoln Navigator 4dr 4WD||93||89||82|
|Lincoln Navigator L 4dr 2WD||129||69|
|Lincoln Navigator L 4dr 4WD||101||116||119|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three reasons to not skimp on insurance
Despite the high insurance cost for a Lincoln Navigator in Atlanta, insurance serves an important purpose.
First, just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to license the vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your vehicle has a loan, most lenders will require that you buy full coverage to ensure loan repayment if the vehicle is totalled. If you default on your policy, the lender may have to buy a policy to insure your Lincoln at an extremely high rate and require you to reimburse them much more than you were paying before.
Third, insurance protects not only your Lincoln Navigator but also your financial assets. Insurance will also pay for many types of medical costs incurred in an accident. One policy coverage, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of buying insurance definitely exceed the cost, especially with large liability claims. Despite what companies tell you, the average driver overpays as much as $865 each year so it's recommended you shop around every year to be sure current rates are still competitive.
Lower-priced Lincoln Navigator insurance in Atlanta can be bought both online and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some companies do not offer online quoting and most of the time these smaller companies provide coverage only through independent agents.
We've covered a lot of techniques to reduce Lincoln Navigator insurance premium rates online in Atlanta. The key concept to understand is the more times you quote, the better your chances of lowering your prices. You may even discover the best premium rates are with some of the smallest insurance companies. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.
Additional information is located below:
- What is a Telematics Device? (Allstate)
- Who Has Affordable Auto Insurance for a Toyota Highlander in Georgia? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers with a Bad Driving Record in Georgia? (FAQ)
- What is the Cheapest Car Insurance in Sandy Springs, Georgia? (FAQ)
- How Much are Georgia Car Insurance Rates for a 20 Year Old Female? (FAQ)
- Who Has the Cheapest Auto Insurance for Uninsured Drivers in Georgia? (FAQ)
- What Auto Insurance is Cheapest for Business Use in Georgia? (FAQ)
- What is the Cheapest Car Insurance in Smyrna, Georgia? (FAQ)
- Who Has Affordable Car Insurance for a Ford Escape in Georgia? (FAQ)
- What Car Insurance is Cheapest for a Toyota Corolla in Georgia? (FAQ)
- Safety Belts FAQ (iihs.org)
- Teen Driving Statistics (iihs.org)
- Child Safety FAQ (iihs.org)
- Auto Crash Statistics (Insurance Information Institute)