Smart shoppers know that car insurance companies don’t want you quoting rates from other companies. Insureds who compare other rates are highly likely to buy a new policy because they stand a good chance of finding coverage at a cheaper rate. A recent car insurance study discovered that consumers who routinely shopped around saved over $860 a year compared to people who never compared rates.
If finding the cheapest rates on auto insurance in Long Beach is your intention, then having a grasp of how to find and compare coverage rates can save money and time.
If your goal is the lowest price, then the best way to save money on car insurance rates in Long Beach is to regularly compare prices from companies that sell auto insurance in California. You can compare prices by following these steps.
- Step 1: Spend some time learning about what is in your policy and the changes you can make to drop your rates. Many rating factors that result in higher rates such as at-fault accidents, speeding tickets, and a negative credit rating can be eliminated by being financially responsible and driving safely.
- Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple companies.
- Step 3: Compare the new quotes to your existing policy and see if there is a cheaper rate in Long Beach. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.
- Step 4: Tell your current agent or company to cancel your current policy and submit payment along with a signed and completed policy application to the newly selected company. Once the application is submitted, keep your new certificate of insurance in your vehicle.
A valuable tip to remember is that you’ll want to compare similar deductibles and liability limits on every quote request and and to compare as many carriers as you can. Doing this enables a fair price comparison and plenty of rates choose from.
The best way we recommend to compare car insurance company rates for Lincoln Navigator insurance in Long Beach is to know the fact almost all companies participate in a system to compare their rates. The one thing you need to do is take a few minutes to give details like an estimate of your credit level, if the car is leased, whether the vehicles are used for commuting, and marital status. The rating information is instantly submitted to many of the top insurers and you should receive rate quotes immediately.
To check Lincoln Navigator insurance prices now, click here and complete the form.
The following companies offer quotes in Long Beach, CA. If your goal is to find the best cheap car insurance in Long Beach, CA, we recommend you compare several of them in order to find the lowest rates.
Facts and figures for Lincoln Navigator insurance
The premium table below outlines detailed analysis of insurance prices for Lincoln Navigator models. Having knowledge of how insurance policy rates are figured can assist in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Navigator 2WD | $390 | $718 | $456 | $26 | $136 | $1,726 | $144 |
| Navigator 4WD | $390 | $718 | $456 | $26 | $136 | $1,726 | $144 |
| Navigator L 2WD | $430 | $718 | $456 | $26 | $136 | $1,766 | $147 |
| Navigator L 4WD | $430 | $718 | $456 | $26 | $136 | $1,766 | $147 |
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease prices noticeably.
Physical damage deductibles
One frequently asked question is the level to set your comp and collision deductibles. The comparisons below show the rate fluctuation of buying low and high physical damage coverage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
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, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in specific garaging location which can influence auto insurance rates substantially.
We can estimate from the data above that using a $100 deductible would cost the average driver about $58 more each month or $696 for a full year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 16 months between claims, you would more than likely save some money going with the higher deductible.
Illustration showing the impact of accidents and violations
The illustration below shows how traffic citations and accidents influence Lincoln Navigator car insurance costs for each different age category. The premium estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
Rate comparison of men versus women
The diagram below illustrates the comparison of Lincoln Navigator insurance prices for male and female drivers. The premiums are based on no accidents or driving violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration.
It may be expensive, but it’s not optional
Even though it can be expensive, buying insurance is required in California but it also protects you in many ways.
- Most states have minimum mandated liability insurance limits which means the state requires specific limits of liability coverage in order to get the vehicle licensed. 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 bought your Lincoln Navigator with a loan, most lenders will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank or lender will purchase a policy for your Lincoln at a more expensive rate and require you to pay for the much more expensive policy.
- Insurance preserves your vehicle and your assets. Insurance will pay for medical expenses for not only you but also any passengers injured in an accident. Liability insurance also covers legal expenses in the event you are sued. If you have damage to your Lincoln as the result of the weather or an accident, your policy will pay to repair the damage.
The benefits of buying enough insurance more than offset the price you pay, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays as much as $700 annually so it’s important to compare rates at every policy renewal to ensure rates are competitive.
Everyone needs different car insurance coverages
Always remember that when buying your policy for your vehicles, there really is no one size fits all plan. Your financial needs are unique and your policy should reflect that.
For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.
- Do I have ACV or replacement cost coverage?
- Are my custom wheels covered?
- Am I covered if I have no license?
- When should I have rental car coverage?
- Are my friends covered when driving my car?
- Is a blown tire covered by insurance?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.
Auto insurance 101
Understanding the coverages of auto insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.
Collision protection
This coverage will pay to fix damage to your Navigator caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as hitting a mailbox, colliding with a tree, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Navigator to bring the cost down.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like vandalism, a tree branch falling on your vehicle, rock chips in glass, fire damage and theft. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Insurance for medical payments
Coverage for medical payments and/or PIP reimburse you for expenses for things like ambulance fees, rehabilitation expenses and dental work. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
Auto liability insurance
This coverage can cover injuries or damage you cause to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 15/30/5 that translate to $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property.
Liability can pay for claims such as repair costs for stationary objects, structural damage, legal defense fees, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. California state minimum liability requirements are 15/30/5 but drivers should carry more liability than the minimum.
The chart below shows why low liability limits may not be enough coverage.
Best auto insurance in Long Beach
Insuring your vehicle with the highest-rated insurance provider can be rather challenging considering how many different companies there are to choose from in Long Beach. The company ratings displayed below may help you decide which car insurance providers you want to consider when comparing rates.
Top 10 Long Beach Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Long Beach Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Cheap coverage is out there
When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice physical damage coverage only to find out that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.
Lower-priced auto insurance in Long Beach can be sourced from both online companies and with local Long Beach insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through independent insurance agencies.
Other learning opportunities
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for Low Mileage Drivers in Long Beach? (FAQ)
- What Insurance is Cheapest for a Ford Escape in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Auto Insurance for Good Students? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Long Beach? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- What is Full Coverage? (Allstate)
- Teen Driving and Texting (State Farm)