Oceanside, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Oceanside, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Oceanside, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Oceanside, CA Auto Insurance Rates
- Oceanside, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Oceanside, CA
- Multi Vehicle Insurance Savings in Oceanside, CA
- How Credit Score Affects Car Insurance Rates in Oceanside, CA
- How DUI Affects Auto Insurance Premiums in Oceanside, CA
- Top Auto Insurance Agents Near Oceanside, CA
- How Driving Violations Affect Auto Insurance Rates in Oceanside, CA
- Oceanside, CA Auto Insurance Discounts on Anti Theft Feature
- Oceanside, CA Auto Insurance Company Reviews
Oceanside, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Oceanside, CA with that of other cities in and around Oceanside.
| Oceanside | Bonsall | Carlsbad | Vista | Oceanside-Escondido | Camp Pendleton North | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,277 | $1,981 | $1,218 | $1,313 | $1,910 | $1,872 |
Oceanside, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Oceanside, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Oceanside | $1,490 | $1,259 |
| Camp Pendleton South | $2,345 | $1,981 |
| Vista | $2,539 | $2,145 |
| Camp Pendleton North | $1,928 | $1,629 |
| Carlsbad | $2,069 | $1,748 |
| Bonsall | $1,140 | $963 |
| Oceanside-Escondido | $1,918 | $1,620 |
| Lake San Marcos | $1,977 | $1,670 |
Oceanside, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Oceanside, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,144 |
| 20 Years | $1,641 |
| 30 Years | $1,264 |
| 40 Years | $1,216 |
| 50 Years | $1,126 |
| 60 Years | $1,142 |
| 70 Years | $1,329 |
Oceanside, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Oceanside, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,171 | $383 |
| 3 Vehicles | $3,256 | $575 |
| 4 Vehicles | $4,342 | $766 |
Savings on 2 Vehicles bundle:$383
Savings on 3 Vehicles bundle:$575
Savings on 4 Vehicles bundle:$766
Oceanside, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Oceanside, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Oceanside | $1,277 | $3,144 |
| Camp Pendleton South | $2,277 | $5,606 |
| Vista | $1,313 | $3,233 |
| Camp Pendleton North | $1,872 | $4,609 |
| Carlsbad | $1,218 | $2,999 |
| Bonsall | $1,981 | $4,878 |
| Oceanside-Escondido | $1,910 | $4,703 |
| Lake San Marcos | $1,951 | $4,804 |
Oceanside, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,096 |
| Excellent (740-799) | $1,251 |
| Good (670-739) | $1,331 |
| Average (580-669) | $1,736 |
| Poor (300-579) | $2,083 |
Oceanside, CA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Kathy Dottore | State Farm | 250 S Pacific St Ste 103, San Marcos, 92078-2476 | 760-471-6111 |
| Brubaker & Associates Inc | Travelers | 2585 PIO PICO DR STE 100, CARLSBAD, 92008 | 760-729-1800 |
| Mckinzie Insurance Agency Inc | Liberty Mutual Independent | 6965 EL CAMINO REAL STE 105-515, CARLSBAD, 92009 | 760-602-9275 |
| Pacific Edge Insurance Agency | Travelers | 2850 PIO PICO DR STE E, CARLSBAD, 92008 | 760-547-2622 |
| Lawrence Krell | Farmers | 310 VIA VERA CRUZ STE 201, San Marcos, 92078 | (760) 744-0080 |
| Consumer Insurance Services Inc | Travelers | 5355 AVENIDA ENCINAS STE 208B, CARLSBAD, 92008 | 760-434-5050 |
| Suzy Brase | State Farm | 7040 Avenida Encinas, Carlsbad, 92011-4654 | 760-431-0844 |
| Britney Oates | State Farm | 2424 Vista Way Ste 102, Oceanside, 92054-6170 | 760-754-5101 |
| Michael Charles Piceno | Travelers | 547 MCMAHR ROAD, SAN MARCOS, 92078 | 760-891-0741 |
| Mike Ferraro | State Farm | 8911 Atlanta Ave, Huntingtn Bch, 92646-7121 | 714-962-6671 |
Oceanside, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$56 | $1,333 |
| Driver's Failure In Showing Documents | +$124 | $1,401 |
| Driving With An Expired Registration | +$132 | $1,409 |
| Driving At A Considerably Slow Pace | +$277 | $1,554 |
| Using A Cellphone While Driving | +$292 | $1,569 |
| Running A Red Light | +$298 | $1,575 |
| Speeding | +$313 | $1,590 |
| Driving A Vehicle Without The Required Permission | +$397 | $1,674 |
| Driving With An Expired/Suspended License | +$861 | $2,138 |
Oceanside, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,226 |
| Active Disabling Device | $1,226 |
| Tracking Device | $1,200 |
| Passive Disabling Device | $1,188 |
Latest Auto Insurance Reviews in Oceanside, CA | Back to Top
GeicoI am completely satisfied with my premium and deductible in comparison to others. My deductible is standard and my premium is cheaper then other companies.
ProgressiveReasonable deductible, reasonable monthly payment, and an easy to use app that fits my lifestyle better than getting paper documents sent to me all the time. Hard not to like!
Farmer's InsuranceIt's a smaller company and not as well recognized as some others. The policy offerings are comparable to the bigger insurance providers.
ProgressiveLots of options. My car is old now so only carry minimum state required coverage. No need for additional coverage.
MercuryIm not totally sure about the offerings. THey seem liek they are accurately priced and i am okay with it
MercuryIm not totally sure about the offerings. THey seem liek they are accurately priced and i am okay with it
GeicoGeico is available 24 hours a day, 7 days a week either by phone, email, mail or chat. This makes me feel like they are here for me whenever and wherever I'm in need.
GeicoI feel GEICO's accessibility is high quality. I never feel that they are making me run around and they are very knowledgeable when it comes to my insurance needs.
AaaCustomer support is very accessible, online or on the phone. I experienced great service in person as well at the branch. I was impressed with how quickly I got a response initially when I requested a quote. It was very simple to set up a policy. My last insurance carrier was not as streamlined. I am overall happy with switching.
AaaI like that the company has some really hard working, knowledgeable employees working for them. The agents do work for the customers.
Encompass InsuranceThe company is by far the best. Great customer service. Fast compliance. They don't have a physical office that close to us, but we can call our agent or send an email and he is right with us.
GeicoThere is not much to dislike about Geico as a company. I am not really a fan of the Gecko and the weird commercials, but that has nothing to do with the products and services they provide. They are consistent, no teaser rates, just give you insurance and make the process as smooth as possible.
GeicoThe price is among the best, and the coverage is good. Accident forgiveness would make them perfect.
GeicoPremiums keep rising even though I have never filed a claim.