Want to learn how to buy lower-priced auto insurance rates in Napa, CA? Finding cheaper insurance for a car in California could be difficult, but you can use the following methods to make it easier.

There is a better way to compare auto insurance rates and we'll show you the best way to quote coverages on a and obtain the lowest price from Napa insurance agents and online providers.

Shockingly, most auto insurance customers kept their policy with the same company for at least four years, and roughly 40% of drivers have never even compared rates from other companies. With the average premium in California being $1,400, drivers could pocket 35% a year just by getting comparison quotes, but they mistakenly think it's difficult to compare rates online.

If you have a policy now or are just looking to switch companies, you can use these tips to get lower rates and still get good coverage. Shopping around for cheaper auto insurance coverage in Napa can be fairly easy. Vehicle owners just have to learn the least time-consuming way to find the lowest price on the web.

How to buy car insurance online

The auto insurance companies shown below are ready to provide quotes in California. To find cheap car insurance in California, we recommend you visit several of them to get the cheapest price.

Insurance Rates for Popular Vehicles in Napa
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Extended Cab 4WD $1,758 $879 $147
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,146 $573 $96
Ford Edge SE AWD $1,474 $737 $123
Ford Escape Limited 2WD $1,030 $515 $86
Ford F-150 Lariat Crew Cab Platinum 4WD $1,734 $867 $145
Ford Focus SEL 4-Dr Sedan $1,374 $687 $115
Honda Accord EX 4-Dr Sedan $1,452 $726 $121
Honda CR-V EX 2WD $1,482 $741 $124
Honda Civic EX-L 4-Dr Sedan $1,990 $995 $166
Hyundai Sonata SE 4-Dr Sedan $1,178 $589 $98
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,562 $781 $130
Nissan Altima 2.5 S 2-Dr Coupe $2,018 $1,009 $168
Toyota Camry XLE $2,022 $1,011 $169
Toyota Corolla S $1,672 $836 $139
Toyota RAV4 Limited 4WD $1,026 $513 $86
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can increase or decrease rates significantly.

Comparison of full coverage and liability-only policies

The diagram below visualizes the comparison of Ford F-150 auto insurance costs with full coverage compared to only the California minimum liability coverage. The information is based on no claims, a clean driving record, $500 deductibles, single male driver, and no discounts are applied to the premium.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Deciding between full coverage and liability only

There is no clear-cut formula for phasing out physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let's assume your Ford F-150 replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your policy deductible. If premium cost is more than $700 annually for physical damage coverage, then you might consider buying liability only.

There are a few situations where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Choosing deductibles

The example below demonstrates how deductibles and can affect Nissan Sentra annual premium costs for different categories of driver ages. The rate quotes are based on a married male driver, comp and collision included, and no policy discounts are applied.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Age-based car insurance rates by gender

The diagram below visualizes the comparison of annual premium costs for male and female drivers in Napa. The data assumes no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, marital status is single, and no policy discounts are applied on a Chevrolet Tahoe LTZ.

Chevrolet Tahoe rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Best and worst vehicle claim statistics

Which vehicles tend to have high claims? The following claim statistics show the worst and best vehicle models for the probability of having claims for each type of coverage.

Bodily Injury Liability Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Chevrolet Impala
Acura MDX Chrysler 200
Fiat 500 Kia Rio
Subaru Outback Dodge Charger
Mercedes-Benz SL Class Mitsubishi Lancer
Chevrolet Corvette Chevrolet Cruze

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Audi A4 Allroad Kia Forte
Ford Expedition Nissan Versa
Chevrolet Silverado 2500 Hyundai Accent
Ford F-350 SuperCrew Mitsubishi Lancer
Chevrolet Corvette Chevrolet Sonic
Land Rover Range Rover Sport Chrysler 200

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Comprehensive Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Audi S7
Smart ForTwo Maserati Quattroporte
Nissan Leaf Bentley Continental GT
Infiniti QX50 Maserati Granturismo
Volvo V60 Bentley Continental GTC
Chevy Silverado 2500 BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
GMC Canyon Bentley Continental Flying Spur
Ford F-150 SuperCrew Ferrari 458
Ford Edge Bently Continental GT
Smart ForTwo Maserati Granturismo
Nissan Xterra Bently Continental GTC
Mini Cooper Maserati Ghibli

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years