Oxnard, California, is located in Ventura County. It is home of over 208,000 people. There is plenty to enjoy in Oxnard. However, the auto insurance rates are much higher than the national average. Drivers pay $723 annually for minimum coverage and $1,956 per year for full coverage. Nationally, drivers pay an average of $1,674 annually in auto insurance premiums to get full coverage.
Bankrate compared the coverage offered by local and national carriers to find out which ones are affordable for drivers in Oxnard. They also evaluated their financial strength, customer service ratings, and digital assets that can be used for policy management.
The best car insurance companies near Oxnard
Not only are the best rates offered by Oxnard car insurance companies determined, but there are other factors. When deciding who offers the best car insurance, factors such as customer service ratings and financial strength, coverage options, and discounts are all considered.
AAA
The 2020 J.D. survey rated the Auto Club of Southern California as the AAA affiliate with one of the highest customer satisfaction scores. Power survey. AAA not only has high customer service ratings, but the financial ratings are equally impressive, with an A (Excellent), rating by AM Best to demonstrate financial strength.
Wawanesa
Wawanesa might be appealing to Oxnard drivers for multiple reasons. Wawanesa has the highest score among all those who were surveyed using the 2020 J.D. Power customer satisfaction survey. The mobile app also makes it easy to access your policy and store your ID cards. You can also make payments or submit claims.
Cheapest Oxnard car insurance
The average premium for Oxnard drivers is $723 per annum for minimum coverage, and $1,956 for full coverage. The rates in Oxnard are slightly lower than the average in California rate of $2,065. The average annual driver’s bill is $1,674
Bankrate compared premiums from Quadrant Information Services in order to find the most affordable Oxnard car insurance. Comparing quotes from different carriers is a great way not only to find the lowest rates but also to determine which carrier offers the best coverage options that fit your needs. Geico, for example, offers optional mechanical breakdown coverage that is similar to an extended warranty for your vehicle. It covers common repairs and maintenance costs.
Insurance requirements for Oxnard
California requires drivers to have insurance in order to legally drive. This coverage includes 15/30/5 liability coverage.
- $15,000 to injure or kill one person
- $30,000 to injure or kill more than one person
- $5,000 per accident for property damage
You may have to buy more than the legal minimums. This should be considered when you plan your budget. Most lenders and lessors will require that you purchase collision and comprehensive coverage if you lease or finance your vehicle. This is an optional option if your vehicle is your own. Gap insurance is also required. This covers the difference between what you owe to the lender and the vehicle’s value in the event that it is totaled in an accident.
Discounts on car insurance in Oxnard
Although auto insurance rates in Oxnard might be higher than the national average for Oxnard, there are still plenty of options. There are many ways to save You can take advantage of discounts Carriers offer discounts for many reasons and can help you cut your premiums.
- Multi-policy Discount: Make sure to check with the company you are purchasing your homeowners or renters’ insurance from to see if they offer a multi-policy discount when combined with your auto insurance.
- Good student: Find out if your carrier offers discounts for students enrolled in college or high school courses.
- Safe driver: You could be eligible for a discount on premiums by connecting to a telematics or mobile app and allowing your driving habits to recorded.
- Paid in full: You are more likely to be eligible for savings if you pay your premiums upfront, rather than using monthly installments.
It is possible to save premiums by taking advantage of all available discounts. Another way to save is to increase your deductible. You will pay less for your collision and comprehensive coverage if you have a higher deductible.
Questions frequently asked
Which is the best auto insurance company?
Bankrate reviewed several carriers and concluded that Geico, Amica, and USAA were carriers worthy of serious consideration. This decision is based on many factors including the financial strength of each carrier, their rates, and customer satisfaction ratings.
