Are you irritated from not being able to scrape enough together to pay car insurance each month? You are in the same boat as the majority of other people in California.

Amazingly, over 70% of California drivers renewed their policy with the same company for over three years, and roughly 40% of drivers have never compared rates to find affordable insurance. U.S. drivers could save $850 a year by just shopping around, but they feel it's too difficult to find affordable insurance by shopping around. Insurance companies such as GEICO, Progressive and Allstate continually bombard you with TV and radio ads and it is challenging if not impossible to see through the deception and find the best price available.

Get cheaper prices by understanding these factors

Many different elements are taken into consideration when you get a price on insurance. Some are pretty understandable like your driving record, although others are more transparent like your vehicle usage or your financial responsibility. A large part of saving on auto insurance is knowing a few of the rating criteria that help calculate auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower premium levels.

How much does insurance in Danville, CA cost?

The auto insurance companies shown below have been selected to offer comparison quotes in Danville, CA. In order to find cheap car insurance in California, we recommend you get prices from several of them to get the most affordable price.

Insurance Rates for Popular Vehicles in Danville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,118 $559 $93
Chevrolet Malibu LTZ $1,648 $824 $137
Chevrolet Silverado LT Extended Cab 4WD $1,722 $861 $144
Dodge Ram Crew Cab TRX 2WD $1,290 $645 $108
Ford Edge Sport 2WD $1,232 $616 $103
Ford Escape Limited 4WD $1,072 $536 $89
Ford F-150 Lariat King Ranch 4WD $1,286 $643 $107
Ford Focus SES 2-Dr Coupe $1,462 $731 $122
Honda Accord LX 4-Dr Sedan $1,128 $564 $94
Honda CR-V EX 2WD $1,178 $589 $98
Honda Civic Hybrid 4-Dr Sedan $1,226 $613 $102
Hyundai Elantra GLS Touring Station Wagon $1,482 $741 $124
Hyundai Sonata Limited 4-Dr Sedan $1,306 $653 $109
Jeep Grand Cherokee Laredo 2WD $1,334 $667 $111
Nissan Altima 3.5 SR 2-Dr Coupe $1,876 $938 $156
Toyota Camry SE $1,840 $920 $153
Toyota Corolla XLE $1,404 $702 $117
Toyota RAV4 Limited 2WD $1,164 $582 $97
Get Your Own Custom Quote Go

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in vehicle garaging location which can lower or raise coverage rates greatly.

Should you buy full coverage?

The information below shows the comparison of Dodge Ram yearly insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no violations or accidents, $250 deductibles, married female driver, and no discounts are taken into consideration.

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

Are you wasting money on full coverage?

There is no set guideline of when to exclude full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let's assume your Dodge Ram book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after the deductible is paid. If you are paying in excess of $500 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some cases where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Impact of speeding/accidents on Danville auto insurance rates

The example below demonstrates how citations and at-fault fender-benders can increase Ford Escape car insurance rates for different age groups of insureds. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

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

Auto insurance prices based on gender

The diagram below illustrates the difference between auto insurance rates for male and female drivers in Danville. The information is based on no claims or driving citations, comp and collision included, $100 deductibles, drivers are not married, and no discounts are applied to the premium on a Honda Accord EX.

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

Three reasons to insure your vehicle

Despite the fact that auto insurance is not cheap in Danville, auto insurance is required in California but it also protects you in many ways.

First, most states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability coverage in order to license the vehicle. 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.

Second, if your vehicle has a lienholder, it's most likely the lender will require you to buy insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank or lender will purchase a policy for your vehicle at a more expensive rate and require you to fork over for the expensive policy.

Third, auto insurance protects both your vehicle and your personal assets. It will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of having auto insurance more than cancel out the cost, particularly if you ever have a claim. As of last year, the average driver in California is currently overpaying as much as $750 every year so compare rate quotes at least once a year to save money.

Get lower-cost rates on car insurance with these car insurance discounts

Some insurers do not advertise all available discounts very well, so the list below gives a summary of a few of the more common as well as some of the hidden discounts you could be receiving when you buy Danville car insurance online.Save money with discounts

Don't be shocked that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it's just not the way it works.

Larger car insurance companies and some of the discounts include:

It's a good idea to ask each company how many discounts you can get. Depending on the company, some discounts may not be offered in Danville. To choose insurance companies with discount rates in California, click here.

Local Danville insurance agencies

Some consumers just want to sit down and talk to an agent and that can be a great decision Good insurance agents can help you build your policy and help submit paperwork. A good thing about comparing insurance prices online is the fact that you can find cheap car insurance rates but also keep your business local. Buying insurance from neighborhood agents is still important in Danville.

Find insurance agent in DanvilleUpon completion of this quick form, the coverage information is emailed to agents in your area who will give you bids for your car insurance coverage. You won't need to leave your computer because prices are sent instantly to you. If you wish to get a comparison quote from a specific car insurance provider, just jump over to their website to submit a rate quote request.

If you want to buy car insurance from a local insurance agency, you need to know there are two different agency structures and how they are distinctly different. Car insurance agents are considered either independent agents or exclusive agents depending on their employer. Both write car insurance policies, but it's important to know the difference in the companies they write for since it can impact the selection process.

Independent Agents (or Brokers)

These agents can quote rates with many companies and that allows them to write policies with many different companies depending on which coverage is best. If premiums increase, an independent agent can move your coverage and you stay with the same agent. When shopping rates, you need to get insurance quotes from at a minimum one independent agency to have the most options to choose from.

Exclusive Agents

Exclusive insurance agents are contracted to one company like State Farm, Allstate, or Farmers Insurance. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on sales techniques and that allows them to sell at a higher price point.

Choosing an insurance agency requires you to look at more than just a cheap price. These are some valid questions you should ask.

After you get good answers to all your questions as well as a affordable price, most likely you have located an auto insurance agent that is reputable and can insure your vehicles.

Insurance agents can help

Always remember that when buying coverage online or from an agent for your vehicles, there really is no single plan that fits everyone. Every insured's situation is different so this has to be addressed.Higher deductibles save money For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

If you can't answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It's fast, free and you can get the answers you need.

Insurance claim statistics

Is your vehicle likely to have claims? The tables below list the highest and lowest manufacturer models for the overall chance of having large claims.

Lowest and Highest Auto Insurance Liability Claims by Vehicle Model
Lowest Claims Highest Claims
Fiat 500 Chevrolet Impala
Volvo XC60 Hyndai Accent
Mercedes-Benz SL Class Kia Rio
Subaru Forester Mitsubishi Mirage
Acura MDX Kia Optima
Audi A6 Chrysler 200

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

Vehicle Make and Models with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Claims Highest Claims
Ford F-250 SuperCrew Kia Forte
Audi A4 Allroad Chevrolet Spark
Land Rover Range Rover Sport Chrysler 200
Chevrolet Silverado 2500 Nissan Versa
Tesla Model S Mitsubishi Mirage
Chevrolet Silverado 3500 Mitsubishi Lancer

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

Collision Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Ford F-250 SuperCab Bentley Continental Flying Spur
GMC Canyon Maserati Granturismo
Smart ForTwo BMW M6
Ford Edge Maserati Ghibli
Nissan Xterra Bently Continental GT
Chevrolet Colorado BMW 6 Series

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

Vehicle Make and Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claims Highest Claims
Ford F-350 Maserati Quattroporte
Smart ForTwo Bentley Continental GTC
Nissan Xterra BMW M6
Infiniti QX50 Bentley Continental GT
GMC Sierra 2500 Mercedes-Benz S Class
Nissan Leaf BMW M6

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

How much can you save?

When you buy Danville car insurance online, it's very important that you do not reduce needed coverages to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to discover later they didn't have enough coverage. Your aim should be to find the BEST coverage for the lowest price, but do not skimp to save money.

Lower-priced insurance in Danville is available online in addition to local insurance agencies, and you need to comparison shop both to have the best selection. Some insurance companies may not offer online rate quotes and most of the time these small insurance companies provide coverage only through local independent agencies.

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