2024
Last updated:
Our Recommended Top 8
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Our goal is to connect people with the best local professionals. We scored Oxnard Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
125Reviewed
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Providers
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Featured Provider
License: 0I66851
Expertise.com Rating
Review Sources
- 5.0
(6)
- Yelp
- 4.0
(4)
Why choose this provider?
Vista West Insurance Services is an independent car insurance agency located in Oxnard. It offers a line of insurance for vehicles such as motorcycles, cars, watercraft, and antique cars. Aside from covering medical payments and liabilities, the company also offers roadside assistance and rental reimbursem*nt coverage. It partners with carriers such as the Berkshire Hathaway Homestate Companies and Bristol West Insurance Group. The company is driven to give its clients a positive experience and educate them on the options that best fit their needs.
- Bundling Option
License: 0D73802
Expertise.com Rating
Why choose this provider?
Thousand Oaks Insurance Agency is an independent insurance provider serving the people of Oxnard and the entire state of California. Its professional agents work with a wide range of reputable carriers to help motorists find insurance policies that will protect them in the event of an automotive emergency. They ensure that clients are provided with the maximum benefit and protection that match their needs and preferences. Thousand Oaks Insurance Agency also insures other vehicles, such as motorcycles, boats, and RVs.
- Boats
- Motorcyle & ATV
License: 0600531
Expertise.com Rating
Review Sources
- 5.0
(2)
Why choose this provider?
ISU Insurance Services - The F & I Agency is an independent insurance agency located in Thousand Oaks that services the Oxnard metro and nearby areas. The agency in its current form was established in 1986 and in 2003 joined ISU, the largest franchise organization for independent insurance agencies. The company writes auto insurance policies for clients that cover unexpected financial losses caused by collisions, traffic accidents, natural disasters, and other uncontrolled damages.
- Multiple Carriers
- RV & Motorhome
License: 0G83993
Why choose this provider?
Smart Buy Insurance Center is a team of agents based in Oxnard. Included in the areas they handle is auto insurance. The professionals create insurance policies that may include collision, comprehensive, liability, and uninsured motorist coverage. They can also furnish protection plans for owners of classic and antique cars. Smart Buy Insurance Center is a family-operated business that has been in service for more than two decades. Its team has a combined industry experience of over 60 years.
- Bundling Option
- Boats
License: 0F22222
Expertise.com Rating
Review Sources
- Yelp
- 5.0
(2)
Why choose this provider?
Vahan Grigoryan is a State Farm insurance agent that serves clients in and around Oxnard. He provides auto insurance plans to protect cars from damage caused by weather, criminal acts, or collision. He meets with clients either in-person or virtually to discuss their concerns, including paperwork and policy change requests. He also helps them pick out specific coverages for their car, such as hail damage. Vahan's office is wheelchair-accessible and caters to clients that speak Spanish, Armenian, or Russian.
License: 0G58193
Why choose this provider?
Weeks & Associates Insurance Services help individuals acquire car insurance protection beyond the state-mandated minimum. Its agents assist clients in adhering to the minimum amount of insurance required by the California law for auto owners and offer additional coverage that will provide more benefits in case of more costly accidents. They work with clients to find suitable plans from the 20 insurance carriers they represent. Since 1982, the company has been focused on building long-term clients near Oxnard.
- Multiple Carriers
- Motorcyle & ATV
License: 0E08610
Why choose this provider?
Kehl Insurance Services is an independent car insurance provider that serves Oxnard and the entire state of California. Representing multiple companies, the agency is dedicated to providing different options to clients that will suit their needs and lifestyle. Its auto insurance policies include coverage for collisions, comprehensive risks, liabilities, and personal injuries protection. Drivers and vehicle owners also have the option to include additional coverage such as rental reimbursem*nts and towing services.
- Multiple Carriers
- Motorcyle & ATV
- Boats
License: 0616379
Why choose this provider?
Founded in 1981, Integrity First Insurance Services, Corp. offers auto insurance options and products to individuals in Oxnard. The business creates personalized auto insurance plans to protect clients and their vehicles from theft, fire, and car accidents. Its agents also offer GAP coverage, rental car benefits, medical expenses, and liabilities. Owner Jayson Mayling and his team have partnered with Dave Ramsay, one of America's most well-known financial advisors. The company works with him to give financial and insurance solutions to customers.
- Multiple Carriers
- Bundling Option
Compare our Top Local Car Insurance Agencies
Name | Expertise Rating | Address | Promotions | Learn more |
---|---|---|---|---|
Vista West Insurance Services | 1000 Town Center Drive, Oxnard, CA93036 | View More | ||
Thousand Oaks Insurance Agency | 3525 Old Conejo Road, Thousand Oaks, CA91320 | View More | ||
ISU Insurance Services - The F & I Agency | 99 Long Court, Thousand Oaks, CA91360 | View More | ||
Smart Buy Insurance Center | 344 South 5th Street, Oxnard, CA93030 | View More | ||
Vahan Grigoryan | 2535 Townsgate Road, Westlake Village, CA91361 | View More | ||
Weeks & Associates Insurance Services | 25 West Rolling Oaks Drive, Thousand Oaks, CA91361 | View More | ||
Kehl Insurance Services | 2219 E Thousand Oaks Boulevard, Thousand Oaks, CA91362 | View More | ||
Integrity First Insurance Services, Corp. | 2829 Townsgate Road, Westlake Village, CA91361 | View More |
FAQs
Introduction
A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circ*mstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
Are there minimum car insurance requirements in Oxnard?
Yes, there are minimum car insurance requirements in Oxnard because it is under an "at-fault" state. Drivers at fault who have been involved in an accident need to pay their own medical bills and property damage. They must carry minimum liability coverage, including $5,000 per accident for property damage liability, $15,000 per person for bodily injury liability, and $30,000 for bodily injury liability.
What is the average rate of car insurance in Oxnard?
In Oxnard, the average rate of car insurance depends on the liability coverage. If drivers purchase minimum coverage liability insurance, they pay $89 per month, and if they have full coverage insurance, they pay $148 per month. However, insurance premiums still depend on drivers' type of vehicle, age, marital status, and driving records and claims history.
What are the possible penalties for driving without car insurance in Oxnard?
Drivers in Oxnard who are caught using vehicles without car insurance will pay fines. For first-time offenders, they will pay a minimum fine of $100, and for second-time offenders, they will pay higher fees and face assessments. Drivers need to be aware that every fine comes with a penalty assessment that adds a certain amount to the fine per $10, depending on the penalty code used.
Can you purchase car insurance if you have a DUI record in Oxnard?
Yes, you can still purchase car insurance if you have a DUI record in Oxnard. However, it can affect your insurance premium. Your record can make the rate of your insurance higher by hundreds of dollars each year. In some cases, insurance companies do not insure individuals who have multiple DUI violations.
If someone breaks the door of your vehicle, can your car insurance in Oxnard cover the damage?
Yes, your comprehensive coverage in your car insurance in Oxnard can cover the damage if someone breaks the door of your vehicle. However, keep in mind that you need to pay the deductible at the time of the insurance claim. Comprehensive coverage also pays for damage resulting from vandalism, civil commotion, and accidents involving animals.
What is car insurance?
Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.
How does car insurance work?
Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.
What does car insurance cover?
Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.
Does car insurance cover theft?
Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.
How does a car insurance deductible work?
A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.
Do you need insurance to register a car?
Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.
Can you get car insurance without a license?
In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.
Do you need car insurance?
Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.
How much is car insurance a month?
Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.
Why is my car insurance so high?
Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.
How can I get lower car insurance?
Getting lower-cost car insurance may be possible depending on your personal circ*mstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.
Do you need insurance to rent a car?
In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.
Does my car insurance cover rental cars?
Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.
Can I insure a car not in my name?
In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.
Can you cancel car insurance at any time?
In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circ*mstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.
How can I change car insurance?
Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.
How do you become a car insurance agent?
In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.
How do car insurance agents get paid?
Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.
How much do car insurance agents make?
Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.
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