Find Low-Cost Lincoln Auto Insurance

Using the web to shop for Lincoln auto insurance can be a challenge if you have never used online quotes. Don't let that stop you because there is an easy way to compare rates.

This article will introduce you to the best way to quote coverages and some money-saving tips. If you have car insurance now, you will be able to cut costs considerably using these methods. But California vehicle owners do need to know the way companies sell online because it can help you find the best coverage.

Lincoln Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that help determine auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that could result in lower auto insurance prices.

The following are a partial list of the pieces auto insurance companies consider when setting premiums.

  • Lower deductibles cost more - The deductibles represent how much money you are required to spend in the event of a claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are colliding with a building, damage caused by hail, and rolling your vehicle. The more you are required to pay out-of-pocket, the lower your rates will be.
  • Discounts for multiple policies - Many insurance companies will award you with lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to ensure the best deal.
  • Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men tend to get into accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get more serious tickets like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • Credit scores impact auto insurance rates - A driver's credit history is a important factor in determining your rates. So if your credit is not that good, you could save money insuring your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Automobile Insurance Quotes in Lincoln, CA

There are several ways to compare rate quotes from different Lincoln insurance companies. One of the best ways to find the lowest rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

  1. The fastest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do repetitive form entry for every auto insurance company. A single form gets you price quotes direct from many companies. Just one form and you're done.
  2. A harder way to get quotes online requires visiting each individual company website to request a price quote. For example, let's assume you want to compare , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular. To view a list of companies in Lincoln, click here.

However you get your quotes, make absolute certain that you use apples-to-apples quote information for each price quote. If you have mixed coverages it's impossible to truly determine the lowest rate in Lincoln. Slightly different insurance coverages may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Save big with these discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Certain discounts will be applied when you get a quote, but less common discounts must be manually applied before you will receive the discount.

  • Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Accident Forgiveness - Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
  • Federal Employees - Employees or retirees of the government can save as much as 8% depending on your company.
  • Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.
  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • New Vehicle Savings - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Paperless Signup - Certain companies give back up to $50 for buying a policy and signing up online.
  • Driver Safety - Completing a course teaching defensive driving skills can save you 5% or more if your company offers it.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will help reduce your overall premium however.

To choose insurers who offer auto insurance discounts in California, click here.

Auto insurance ads bend the truth

Allstate, GEICO and Progressive continually stream ads on TV and radio. All the companies have a common claim that you'll save big after switching to their company. But how can every company say the same thing?

All companies have a certain "appetite" for the driver that makes them money. For instance, a profitable customer might be profiled as between the ages of 30 and 50, owns a home, and has a short commute. A propective insured that hits that "sweet spot" will get very good rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile must pay higher premiums and this can result in business not being written. The ads say "customers that switch" not "people who quote" save that much. That is how companies can make the claims of big savings.

This illustrates why you need to get quotes from several different companies. It's not possible to predict which company will fit your personal profile best.

But I don't know anything about car insurance

When buying the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone's situation is a little different.

These are some specific questions might point out if your situation might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy additional glass protection?
  • Am I covered when pulling a rental trailer?

If you can't answer these questions then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form.

Much more information about auto insurance in California is located on the California Department of Insurance website located here. California drivers can report car insurance fraud, read consumer alerts, and learn about insurance regulations.

Other informative sites include this page for California auto insurance and this page for help finding agents in Lincoln, CA.

Lincoln auto insurance quote

Affordable insurance is out there

Budget-conscious auto insurance can be sourced on the web and also from your neighborhood Lincoln agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, don't be tempted to reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Throughout this article, we presented a lot of techniques to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may be surprised to find that the lowest rates come from some of the lesser-known companies.