Save Money on Car Insurance in Oxnard

Are you researching more affordable insurance rates in Oxnard, CA? Are you at wits end from trying to scrape together enough money to keep your car insured? Your situation is no different than millions of other people.

It’s an obvious conclusion that insurance companies don’t want policyholders to compare prices from other companies. People who shop for lower rates are very likely to buy a different policy because of the good chance of finding a more affordable policy. A recent insurance study revealed that people who compared rate quotes regularly saved as much as $3,500 over four years as compared to drivers who never shopped around.

If finding discount rates on insurance is your objective, then having a grasp of the best way to shop and compare insurance premiums can save time, money, and frustration.

Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer and uncover the absolute best rates possible on insurance.

It’s smart to compare rates once or twice a year because prices are rarely the same from one policy term to another. If you had the best deal on insurance a few years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding insurance on the internet, but by reading this article, you’re going to learn some of the best techniques to lower your insurance bill.

Best companies for California car insurance

The following companies are ready to provide free rate quotes in California. If multiple providers are shown, it’s highly recommended you click on several of them in order to get a fair rate comparison.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in garaging location in Oxnard which can influence premium rates considerably.

Nine discounts for affordable car insurance quotes

Some providers don’t list all discounts in an easy-to-find place, so we took the time to find some of the best known as well as some of the hidden discounts you could be receiving when you buy Oxnard car insurance online.

• Driver Safety – Taking time to complete a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
• Home Ownership Discount – Owning a house in Oxnard can save a few bucks since owning and maintaining a home demonstrates responsibility.
• Accident Free – Good drivers with no accidents have much lower rates as opposed to policyholders that have many claims.
• Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
• Multi-car Discount – Insuring several vehicles on one policy can reduce the rates for all insured vehicles.
• Bundled Policy Discount – If you can combine your auto and homeowners policy with the same insurance company you will save at least 10 to 15 percent or more.
• Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
• Driving Data Discount – Insureds that choose to allow their car insurance company to look at driving patterns by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
• Buy New and Save – Buying a new car model can get you a discount compared to insuring an older model.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, car insurance companies aren’t that generous. But all discounts should definitely cut your policy premiums.

A list of car insurance companies and their offered discounts are included below.

• Mercury Insurance has savings for accident-free, anti-theft, good student, ease of repair, and age of vehicle.
• Farmers Insurance has discounts for pay in full, homeowner, good student, teen driver, and multi-car.
• Farm Bureau discounts include renewal discount, multi-vehicle, 55 and retired, multi-policy, safe driver, driver training, and youthful driver.
• State Farm offers discounts for accident-free, student away at school, safe vehicle, driver’s education, anti-theft, defensive driving training, and good driver.
• Allstate offers premium reductions for premier plus, anti-theft, good payer, utility vehicle, early signing, farm vehicle, and FullPay discount.
• GEICO includes discounts for driver training, seat belt use, federal employee, multi-vehicle, emergency military deployment, membership and employees, and military active duty.

If you are trying to find cheaper Oxnard car insurance quotes, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in every state. For a list of insurance companies with the best car insurance discounts in California, click here.

Insurance can be complex

Keep in mind that when it comes to choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed.
These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.

• Does my car insurance cover rental cars?
• What if I total my vehicle and owe more than it’s worth?
• Does having multiple vehicles earn me a discount?
• Is rental equipment covered for theft or damage?
• Is my vehicle covered for smoke damage?
• Why is insurance for a teen driver so high in Oxnard?
• Where can I get insurance after a DUI in California?
• When should I have rental car coverage?
• Should I pay a claim out-of-pocket?
• Am I covered when using my vehicle for business?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance is available from local insurance agents

Many drivers would prefer to go talk to an agent and doing that can be a smart decision One of the benefits of comparing rates online is you can get cheap car insurance quotes and still buy from a local agent. And supporting local insurance agents is especially important in Oxnard.

For easy comparison, once you complete this quick form, the quote information is sent to agents in your area who will give competitive quotes to get your business. It’s much easier because you don’t need to leave your house because prices are sent immediately to your email address. It’s the lowest rates and an insurance agent to talk to. In the event you want to get a rate quote from a specific insurance company, you can always search and find their rate quote page and fill out their quote form.

Listed below is a short list of insurance companies in Oxnard that can give you price quote information.

More Oxnard agents

Choosing the best provider is decision based upon more than just a low price. Any agent in Oxnard should be willing to answer these questions.

• What discounts might you be missing?
• How often do they review policy coverages?
• What insurance companies do they recommend if they are an independent agent?
• How many years have they been established?
• Is there a Errors and Omissions policy in force?

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by auto insurance companies.

Coverage for collisions

This coverage will pay to fix damage to your vehicle resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, crashing into a building, colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, vandalism and hail damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses like surgery, doctor visits, funeral costs, rehabilitation expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

This can cover injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/5 that translate to $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as bail bonds, medical expenses, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as much as you can afford. California state law requires minimum liability limits of 15/30/5 but you should consider buying more liability than the minimum.

The illustration below demonstrates why minimum state limits may not be adequate coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many California drivers have only the minimum liability required by law (which is 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Affordable insurance premiums are out there

We’ve covered a lot of tips how to shop for insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of getting low cost Oxnard car insurance quotes. Consumers may even find the most savings is with a small mutual company. These companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Allstate or State Farm.

Lower-priced insurance in Oxnard can be sourced from both online companies and with local Oxnard insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not provide rates over the internet and most of the time these smaller providers only sell coverage through independent insurance agents.

For more information, take a look at these articles:

• Can I Drive Legally without Insurance? (Insurance Information Institute)
• What Car Insurance is Cheapest for Drivers Requiring a SR22 in Los Angeles? (FAQ)
• How Much is Los Angeles Auto Insurance for High Risk Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance for Low Mileage Drivers in Los Angeles? (FAQ)
• Who Has Affordable Car Insurance Quotes for a Ford Escape in Los Angeles? (FAQ)
• Who Has the Cheapest Los Angeles Auto Insurance for a Kia Forte? (FAQ)
• Teen Driver Licensing Information (iihs.org)
• Choosing a Car for Your Teen (State Farm)
• State Car Insurance Guides (GEICO)