Has it been over a year since you last compared quotes for more competitive insurance rates in Ventura, CA? Are you baffled by the crazy number of insurance companies in your area? Many other drivers are too. Vehicle owners have such a large number of options that it can easily turn into a big hassle to lower your insurance rates. Everyone knows Ventura is a good city to live in, but getting gouged by high insurance rates can make it nearly impossible for many drivers to affordably insure vehicles.

Shockingly, 70% of consumers kept their policy with the same company for at least four years, and virtually 40% of consumers have never compared insurance rates at all. Drivers in America could pocket roughly 46.5% a year just by shopping around, but they don't believe how much savings they would realize if they moved their coverage to a different company.

It's important to take a look at other company's rates once or twice a year since prices trend upward over time. Even if you got the best rate on insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because it's time to teach you the best methods to remove unneeded coverages and save money.

Low-cost auto insurance in Ventura, CA

The companies in the list below can provide price comparisons in California. If you want to find the best cheap auto insurance in California, we suggest you click on several of them in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Ventura
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,146 $573 $96
Chevrolet Impala LTZ $1,626 $813 $136
Chevrolet Malibu LTZ $1,324 $662 $110
Chevrolet Silverado LT Crew Cab 4WD $1,436 $718 $120
Dodge Grand Caravan SXT $1,548 $774 $129
Dodge Ram Quad Cab Laramie 4WD $1,690 $845 $141
Ford Escape XLS 4WD $1,118 $559 $93
Ford F-150 STX Regular Cab 2WD $1,262 $631 $105
Ford Focus SE 4-Dr Sedan $1,136 $568 $95
Honda Accord EX-L 4-Dr Sedan $962 $481 $80
Honda CR-V EX-L 4WD $1,170 $585 $98
Honda Civic EX-L 4-Dr Sedan $1,134 $567 $95
Hyundai Elantra SE 4-Dr Sedan $1,664 $832 $139
Jeep Grand Cherokee SRT-8 4WD $1,676 $838 $140
Kia Optima LX $1,250 $625 $104
Nissan Altima 3.5 SR 2-Dr Coupe $1,256 $628 $105
Toyota Camry Hybrid $2,018 $1,009 $168
Toyota Corolla LE $1,648 $824 $137
Toyota Prius $1,492 $746 $124
Get Your Own Custom Quote Go

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in specific garaging location which can raise or lower prices considerably.

Higher deductibles lower rates

The information below highlights how deductible selection and can influence Ford Focus insurance prices for different categories of driver ages. The premium estimates are based on a single female driver, full coverage, and no discounts are applied to the premium.

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

Affordable rates on insurance with these discounts

Properly insuring your vehicles can get expensive, but there could be significant discounts that many people don't even know exist. Certain discounts will be applied when you get a quote, but a few must be inquired about prior to getting the savings. If you're not getting every credit you qualify for, you are just wasting money.Insurance discounts

Don't be surprised that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. Even though the math looks like all those discounts means the company will pay you, that's just not realistic.

A few popular companies and some of the discounts are outlined below.

If you want inexpensive Ventura auto insurance quotes, ask every insurance company which discounts can lower your rates. All car insurance discounts might not be available to policyholders in your area. To find insurance companies that provide some of the discounts listed above in California, click here.

Five factors that affect insurance costs

Lots of things are used when you get your auto insurance bill. Some factors are common sense like your driving record, but others are more transparent like your continuous coverage or your commute time.

The list below includes some of the factors that factor into your premiums.

Your situation helps dictate your coverage

When it comes to coverage online or from an agent, there isn't really a cookie cutter policy. Every situation is different and your car insurance should be unique as well.Safe vehicles cost less to insure For instance, these questions may help you determine if your situation might need professional guidance.

If you can't answer these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Are insurance agencies a thing of the past?

Many drivers prefer to have an agent's advice. One of the benefits of comparing insurance online is that you can find better rates and still choose a local agent.

Insurance agents in VenturaFor easy comparison, once you complete this short form, your information gets sent to local insurance agents in Ventura who can give free rate quotes for your business. There is no reason to drive around because prices are sent immediately to your email address. Get lower rates without having to waste a lot of time. If you want to get a comparison quote for a specific company, don't hesitate to navigate to their website and submit a quote form there.

Choosing a provider should depend on more than just the premium amount. Ask your prospective agent these questions:

Types of car insurance agents

If you want a reputable agency, it's important to understand the different types of agents and how they operate. Insurance agencies are classified as either exclusive agents or independent agents.

Exclusive Agents

These type of agents work for only one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are well schooled on their products and sales techniques and that can be a competitive advantage. Consumers sometimes use the same exclusive agent primarily because of the prominent brand name and the convenience of having all coverages with one company.

Independent Insurance Agents

Agents in the independent channel are not employed by one company and that enables them to quote your coverage through lots of different companies and get you the best rates possible. If premiums increase, your agent can switch companies which requires no work on your part.

When comparing insurance rates, you should always include several independent insurance agents so that you have a good selection of quotes to compare. Most independent agents also contract with companies that do not advertise much that may provide cheaper insurance rates.

Auto insurance claim information

Which vehicles statistically have few claims? The statistics below show the worst and best models for the probability of filing claims orgainized by coverage.

Lowest and Highest Collision Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab Maserati Ghibli
Ford Edge BMW M6
Jeep Wrangler Nissan GT-R
Ford F-150 SuperCrew Bently Continental GT
GMC Canyon Bentley Continental Flying Spur
Mini Cooper BMW 6 Series

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

Lowest and Highest Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Tesla Model S Hyundai Accent
Ford F-250 SuperCrew Chevrolet Sonic
Audi A4 Allroad Nissan Versa
Chevrolet Corvette Mitsubishi Mirage
Ford F-350 SuperCrew Mitsubishi Lancer
Chevrolet Silverado 2500 Chevrolet Spark

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

Bodily Injury Liability Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Mercedes-Benz SL Class Mitsubishi Mirage
Fiat 500 Kia Optima
Volvo XC60 Chevrolet Impala
Subaru Forester Chrysler 200
Subaru Outback Chevrolet Cruze
Audi A6 Mitsubishi Lancer

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

Vehicle Models with the Lowest and Highest Auto Insurance Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Ford F-350 Mercedes-Benz S Class
Nissan Leaf Audi S7
Chevy Spark BMW M6
Smart ForTwo BMW M6
GMC Sierra 2500 Bentley Continental GT
Chevy Silverado 2500 Maserati Granturismo

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

Cheaper insurance is a realistic goal

Lower-priced insurance in Ventura can be sourced from both online companies as well as from insurance agents, so you need to quote Ventura auto insurance with both to have the best rate selection. Some companies do not offer the ability to get quotes online and these small insurance companies sell through local independent agencies.

We just presented many tips how you can compare insurance prices in Ventura. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding low cost Ventura auto insurance quotes. Consumers could even find that the lowest prices come from the least-expected company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

Additional detailed information can be found in these articles: