Are you irritated from sacrificing to pay high insurance rates every month? You are in the same boat as many other consumers in California.

A recent insurance study revealed that almost 70% of drivers renewed their policy with the same company for four years or more, and nearly the majority have never quoted insurance rates at all. With the average premium in California being $1,400, drivers could cut their rates by 35% a year by just shopping around, but they mistakenly think it's difficult to save money by comparing rate quotes. Big-name insurance companies like GEICO and Progressive continually hit you with catchy ads and it can be hard to separate fact from fiction and do the work needed to find the best deal.

If you already have coverage or need a new policy, you can learn to find better prices without reducing protection. Locating the best insurance company for you in Oxnard is not that difficult. Shoppers just have to know the tricks to compare rates online from multiple companies.

The companies shown below are our best choices to provide price comparisons in Oxnard, CA. To get cheap auto insurance in California, it's highly recommended you click on several of them in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Oxnard
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LT $1,946 $973 $162
Chevrolet Silverado Crew Cab Hybrid 2WD $1,566 $783 $131
Dodge Ram Quad Cab Laramie 4WD $1,806 $903 $151
Ford Escape XLS 2WD $966 $483 $81
Ford F-150 XL Super Cab 4WD $1,292 $646 $108
Ford Focus S 4-Dr Sedan $1,462 $731 $122
Ford Fusion Sport 4-Dr Sedan $1,102 $551 $92
Honda Accord EX-L 2-Dr Coupe $1,792 $896 $149
Honda CR-V LX 4WD $1,134 $567 $95
Honda Civic LX 4-Dr Sedan $1,256 $628 $105
Hyundai Sonata SE 4-Dr Sedan $1,632 $816 $136
Nissan Altima 2.5 S 2-Dr Coupe $1,532 $766 $128
Toyota Camry XLE $1,464 $732 $122
Toyota Corolla LE $1,672 $836 $139
Volkswagen Jetta S 2.5 Station Wagon $1,072 $536 $89
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in vehicle garaging location which can influence insurance rates greatly.

Policy deductible comparison

One frequently asked question is which comprehensive and collision deductibles to buy. The comparisons below can help you visualize the premium difference of buying low and high physical damage deductibles. The first data set uses a $250 physical damage deductible and the second data table uses a $500 deductible.

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

Chevrolet Tahoe insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $342 $576 $442 $26 $132 $1,543 $129
Tahoe LS 4WD $386 $576 $442 $26 $132 $1,587 $132
Tahoe LT 2WD $386 $576 $442 $26 $132 $1,587 $132
Tahoe LT 4WD $386 $576 $442 $26 $132 $1,587 $132
Tahoe LTZ 2WD $386 $678 $442 $26 $132 $1,689 $141
Tahoe LTZ 4WD $386 $678 $442 $26 $132 $1,689 $141
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Chevrolet Tahoe insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $278 $464 $442 $26 $132 $1,342 $112
Tahoe LS 4WD $314 $464 $442 $26 $132 $1,378 $115
Tahoe LT 2WD $314 $464 $442 $26 $132 $1,378 $115
Tahoe LT 4WD $314 $464 $442 $26 $132 $1,378 $115
Tahoe LTZ 2WD $314 $546 $442 $26 $132 $1,460 $122
Tahoe LTZ 4WD $314 $546 $442 $26 $132 $1,460 $122
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify premium rates noticeably.

Based on this data, using a $250 deductible costs about $18 more each month or $216 each year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 14 months between claim filings, you would save money if you choose the higher deductible. Below is a better example of how this calculation is made.

Average monthly premium for $250 deductibles: $135
Average monthly premium for $500 deductibles (subtract): - $117
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

Age-based car insurance rates by gender in Oxnard

The chart below shows the comparison of premium costs for male and female drivers in Oxnard. The rates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied to the premium on a Nissan Sentra SE-R.

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

Are you eligible for every discount?

Buying car insurance is not cheap, but you can get discounts that you may not even be aware of. Many of these discounts will be applied automatically at quote time, but a few must be specially asked for before you will receive the discount.Discount car insurance

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will positively reduce your overall bill.

Some of the larger companies that may include these benefits include:

Before purchasing a policy, check with each company how many discounts you can get. Savings might not be offered on policies in every state. If you would like to choose from a list of insurers that offer the discounts shown above in Oxnard, follow this link.

Why auto insurance is not optional

Despite the high cost, auto insurance may be required and benefits you in several ways.

The benefits of insuring your car definitely exceed the price paid, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $869 every year so smart consumers compare quotes every year to ensure rates are inline.

When to contact an agent

Some consumers just prefer to have an agent's advice and that is not a bad decision Good insurance agents are trained to spot inefficiencies and will help you if you have claims. An additional benefit of getting free rate quotes online is the fact that drivers can get lower prices and also buy local.

Insurance agency in OxnardOnce you complete this simple form, your insurance coverage information is emailed to companies in Oxnard who will gladly provide quotes for your coverage. It simplifies rate comparisons since you won't have to even leave your home since price quotes are sent to you instantly. If for some reason you want to get a comparison quote from a specific auto insurance provider, don't hesitate to go to their quote page and fill out their quote form.

Selecting an insurance company needs to be determined by more than just a cheap price. These are valid questions to ask:

Multiple types of auto insurance agents in Oxnard

If you want a local Oxnard insurance agency, there are two types of insurance agents and how they differ in how they can insure your vehicles. Oxnard agents are either independent or exclusive. Either can do a good job, but it's important to know the difference in how they write coverage since it could factor into which agent you choose.

Exclusive Insurance Agents

These type of agents work for only one company such as Farmers Insurance, State Farm, or Allstate. These agents are not able to provide rate quotes from other companies so always compare other rates. Exclusive insurance agents are very knowledgeable on sales techniques which aids in selling service over price.

Independent Auto Insurance Agencies

These agents often have affiliation with several companies so they can quote policies with multiple insurance companies depending on which coverage is best. If you want to switch companies, your agent can just switch to a different company and that require little work on your part.

When comparing rates, you definitely need to compare quotes from several independent agencies so that you have a good selection of quotes to compare.

Car insurance coverage basics

Having a good grasp of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Liability auto insurance - This coverage can cover injuries or damage you cause to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 15/30/5 which means a $15,000 limit per person for injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, loss of income, medical expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible. California state minimum liability requirements are 15/30/5 but you should think about purchasing more coverage.

Car Insurance Liability Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Chevrolet Impala
Mercedes-Benz SL Class Dodge Charger
Acura MDX Kia Rio
Subaru Outback Mitsubishi Lancer
Audi A6 Chevrolet Sonic
Volvo XC60 Chevrolet Cruze

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Uninsured or underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your vehicle.

Because many people only purchase the least amount of liability that is required (California limits are 15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision coverages - Collision insurance will pay to fix damage to your vehicle resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
GMC Canyon Maserati Ghibli
Ford F-150 SuperCrew BMW M6
Smart ForTwo Bently Continental GT
Jeep Wrangler Bently Continental GTC
Mini Cooper Maserati Granturismo
Ford F-250 SuperCab BMW 6 Series

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical expense coverage - Med pay and PIP coverage provide coverage for immediate expenses for hospital visits, chiropractic care, nursing services, pain medications and dental work. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Medical Payment Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Nissan Sentra
Chevrolet Silverado 3500 Chevrolet Spark
Audi A4 Allroad Kia Forte
Land Rover Range Rover Sport Chevrolet Sonic
Ford Expedition Dodge Charger
Tesla Model S Mitsubishi Mirage

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive protection - This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, damage from getting keyed, rock chips in glass and theft. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Comprehensive Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Infiniti QX50 Mercedes-Benz S Class
Smart ForTwo Maserati Granturismo
Volvo V60 Maserati Quattroporte
Ford F-350 Bentley Continental GT
GMC Sierra 2500 Audi S7
Chevy Silverado 2500 BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years