Would you like to stop overpaying and find more competitive insurance rates in Novato, CA? When searching for lower-cost insurance, do you get frustrated by the wide range of insurance sources in Novato? California drivers have so many options that it can be a lot of work to lower your premium rates. Novato has lots to offer, but the high premiums for insurance can make it impossible to affordably insure vehicles.

Unthinkable but true, almost 70% of drivers have bought insurance from the same company for well over three years, and about 40% of consumers have never even shopped around for cheap coverage. Novato drivers can cut their rates by roughly 35% a year just by shopping around, but most undervalue the amount of savings they would get if they switched to a cheaper policy.

Learn how to lower your auto insurance rates

When buying auto insurance it's important to understand some of the factors that help determine your auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in big savings.

When shopping for cheaper Novato car insurance quotes, there are a couple of ways to compare rate quotes from insurance companies in your area. The easiest way by far to find the cheapest insurance rates is to jump online and get quotes.

When comparison shopping, comparing more quotes helps locate better pricing.

The providers in the list below have been selected to offer quotes in Novato, CA. If multiple companies are listed, we recommend you compare several of them to get the most affordable price.

Insurance Rates for Popular Vehicles in Novato
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,916 $958 $160
Chevrolet Silverado LTZ Extended Cab 2WD $1,936 $968 $161
Dodge Grand Caravan CV $1,414 $707 $118
Dodge Ram Quad Cab Sport 2WD $1,368 $684 $114
Ford Edge SE AWD $1,136 $568 $95
Ford Escape Limited 4WD $1,452 $726 $121
Ford F-150 FX4 4WD $1,608 $804 $134
Ford Focus SE 4-Dr Sedan $1,680 $840 $140
Honda Accord EX-L 2-Dr Coupe $1,200 $600 $100
Honda CR-V LX 4WD $868 $434 $72
Honda Civic EX 4-Dr Sedan $1,256 $628 $105
Honda Odyssey EX W/Rear Entertainment $1,528 $764 $127
Jeep Grand Cherokee Limited 4WD $1,486 $743 $124
Nissan Altima Hybrid 4-Dr Sedan $1,648 $824 $137
Toyota Camry SE $1,664 $832 $139
Toyota Corolla S $1,388 $694 $116
Toyota Tacoma Double Cab 4WD $1,164 $582 $97
Get Your Own Custom Quote Go

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in your specific Novato location which can influence auto insurance rates greatly.

Higher deductibles save money

The diagram below demonstrates how deductible levels and can increase or decrease Dodge Ram insurance costs for different insured age categories. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Auto insurance does more than just protect your car

Despite the fact that auto insurance is not cheap in Novato, insurance is required in California but also provides important benefits.

The benefits of insuring your vehicle definitely exceed the price paid, especially for larger claims. An average driver in America is currently overpaying as much as $750 every year so it's important to compare rates at every policy renewal to ensure rates are inline.

Save money on insurance with these discounts

Some providers don't necessarily list all available discounts in a way that's easy to find, so the list below contains both well-publicized and the more hidden credits available to bring down your rates.Insurance discounts

Please keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, you aren't that lucky. But any discount will bring down the premium cost.

Popular insurance companies and a selection of discounts can be read below.

If you need inexpensive Novato car insurance quotes, ask each insurance company to give you their best rates. All car insurance discounts may not be available in every state. To see a list of insurers with discount rates in Novato, click here.

Auto insurance can be complex

When it comes to your policy for your personal vehicles, there really is no best way to insure your cars. Your needs are unique to you.Auto insurance savings

For example, these questions may help you determine whether your personal situation might need an agent's assistance.

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Cover all your bases

Drivers leave their current company for many reasons like high rates after DUI convictions, lack of trust in their agent, delays in paying claims or even questionable increases in premium. Whatever your reason, switching companies can be less work than you think.

When shopping online for insurance, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed collision coverage and discovered at claim time they didn't purchase enough coverage. The goal is to buy enough coverage at the best cost, but don't skip important coverages to save money.

In this article, we presented many ideas to reduce insurance prices online in Novato. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest prices come from a small local company.

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