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Best Cheap Auto Insurance in Oxnard 93035

Looking for cheap auto insurance in Oxnard? Auto Insurance Center will provide you with the best cheap auto insurance quotes.

The beach town of Oxnard is known for its preserved historic downtown, manufacturing center and is California's largest producer of strawberries.

The first inhabitants of the region were the Chumash Native Americans. Portuguese explorer João Rodrigues Cabrilho claimed the area for Spain in 1542. A mission was established in 1782 and from that, the region grew into a community.

Once California became a state in 1850, the Oxnard population grew due to immigrants traveling from the east coast as well as Europe. Agriculture also developed into a major industry for the area and grew the local economy.

In the late 1800s, Henry Oxnard and his brothers built a sugar beet factory in the area.

The city was incorporated on June 30, 1903, and named after the Oxnard brothers. The city’s first public library was built in 1907 and still stands today.

During the 1900s, the city grew in population thanks to the rise in aerospace, manufacturing and electronic industries. Oxnard has also stayed a rich agricultural region.

Top Oxnard attractions include: Mandalay State Beach, Carnegie Art Museum, Channel Island Harbor, Mullin Automotive Museum and the Channel Islands Maritime Museum.

In 2016, Oxnard was the mini camp and official team activities site for the Los Angeles Rams. Previously, Oxnard served as a pre-season training camp site for the Dallas Cowboys and New Orleans Saints.

Insurance Discounts in Oxnard

In California, a good driving record can earn you auto insurance discounts — up to 20 percent — under California law (Prop 103). Common insurance discounts from car insurance companies include:

  • Good student
  • Multi-car
  • Multiple policy
  • Automatic payment
  • Bundling auto with homeowners or renters
  • Paid-in-full

Remember that the best way to save money with auto insurance is to keep a clean driving record.

Driving Conditions in Oxnard

Oxnard is classified as a Mediterranean climate. The annual high temperature is 69.3 degrees and the annual low temperature is 52.3 degrees. The summers are warm and dry, while the winters are mild and wet. The ocean breezes create cooler temperatures in the summer.

The Ventura Freeway (U.S.101) runs through the city of Oxnard. The average commute time for Oxnard is 24 minutes, which is a bit shorter than the U.S. average.

Crime Statistics

According to the 2015 Crime in the United States report, California had 1,024,914 accounts of property crime and 170,993 accounts of vehicle theft.

California Driver’s License

As a legal resident of California, you’ll need to obtain a California driver’s license. Those with a valid out-of-state license will need to make an appointment before visiting a DMV office as well as be required to pay an application fee and will need to pass a vision and written exam.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of California residency and proof of your Social Security number.

Seat Belt Laws

Seat belts are required for all drivers and passengers in California.

California law requires that all children under the age of 8 be properly restrained in an appropriate child seat in the backseat of a vehicle. However, children weighing 40 or more pounds or standing 40 or more inches taller are exempt. Children under 2 must ride rear-facing in an appropriate child passenger safety seat.

Cell Phone & Texting Laws

In California, drivers cannot call or text on a handheld device while driving.

Odd Law

In California, it’s unlawful to let a dog pursue a bear or bobcat at any time.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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