5 Ways to Save on Car Insurance in Ventura

Beginners to buying insurance online may find finding cheap Ventura car insurance quite challenging.

It's important to get comparison quotes occasionally since rates are constantly changing. Despite the fact that you may have had the best price last year the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate one of the best ways to find great coverage at a great price.

Buying car insurance in Ventura is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Although Iowa car owners do need to know how companies compete online and apply this information to your search.

Save big with these 5 discounts

Car insurance companies don't always advertise all their discounts very clearly, so we took the time to find some of the more common and the more hidden car insurance savings.

  • Accident Forgiveness - Certain companies permit an accident before raising your premiums as long as you don't have any claims for a set time period.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • College Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Bundle and Save - When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
  • Homeowners Savings - Owning a house in Ventura may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky.

To see a list of companies who offer car insurance discounts in Iowa, follow this link.

Automobile Insurance Quotes in Ventura, IA

There are several ways to compare rate quotes from different Ventura insurance companies. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

  • The best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate forms for each company you want a rate for. A single form will get you rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
  • A different way to get quotes online requires you to visit each individual company website and fill out their own quote form. For instance, let's say you want to compare , and . To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in Ventura, click here.

It doesn't matter which method you choose, just make absolute certain that you use identical coverage information for each comparison quote. If you use unequal deductibles or liability limits it will be next to impossible to determine the lowest rate in Ventura. Just a small difference in coverages could mean much higher rates. And when quoting car insurance, remember that having more price comparisons helps locate the best offered rates.

But I don't know anything about car insurance

When choosing the right insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Each situation is unique.

These are some specific questions might point out if your situation would benefit from an agent's advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Do I need PIP (personal injury protection) coverage in Iowa?
  • Why does it cost so much to insure a teen driver in Ventura?
  • Am I covered when driving in Canada or Mexico?
  • When do I need to add a new car to my policy?
  • Do I need to file an SR-22 for a DUI in Iowa?
  • Does my personal policy cover me when driving my company car?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Car insurance ads bend the truth

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on TV and radio. They all seem to say the same thing about savings after switching your policy. How does each company make the same claim?

Insurance companies have a certain "appetite" for the right customer that is profitable for them. For example, a desirable insured could be between 25 and 40, owns a home, and has great credit. Any new insured who fits that profile is entitled to the best price and most likely will save when switching.

Consumers who fall outside these standards will have to pay higher prices which usually ends up with business going elsewhere. Company advertisements say "people who switch" not "people who quote" save that kind of money. That is how companies can truthfully advertise the savings. Because of the profiling, drivers must compare as many rates as you can. It's just too difficult to predict which company will give you the biggest savings.

The best insurance company isn't always the cheapest

The cheapest car insurance can be bought from both online companies in addition to many Ventura insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, never reduce coverage to reduce premium. In many cases, an insured cut physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at an affordable rate.

Consumers change insurance companies for many reasons like denial of a claim, policy cancellation, not issuing a premium refund or policy non-renewal. Whatever your reason, finding the right car insurance provider is actually quite simple.

Ventura car insurance quote

For more Iowa car insurance information

Even more information can be found at the Iowa Insurance Division website. Consumers can learn about insurance regulations, read consumer alerts, and read enforcement actions against agents and companies.