Business Details
Your Trusted Insurance Partner in Oxnard, CA
Smart Buy Insurance Center has been serving California residents with comprehensive insurance solutions for over two decades. Our family-operated agency features a father-son team with more than 60 years of combined experience in the insurance industry, dedicated to providing personalized service and exceptional savings. We specialize in auto, home, business, and specialty insurance policies tailored to meet the unique needs of individuals, families, and commercial clients across Ventura County and Southern California.Our commitment to customer satisfaction is reflected in our competitive pricing, extensive discount programs for bundled policies and qualified professionals, and our reputation for friendly, community-focused service. As a veteran-owned business, we bring additional perspective and dedication to every policy we craft.
Services
Auto Insurance
Home Insurance
Business Insurance
Specialty Insurance
Renters Insurance
Highlights and features
- We offer over 20 years of insurance expertise in California markets
- Our family-operated agency provides personalized service with 60+ years combined experience
- We deliver exclusive discounts for policy bundling and qualified professionals
- Our veteran-owned business understands unique insurance needs
- We specialize in customized coverage for homes, vehicles, and commercial properties
Services
Auto Insurance
We provide comprehensive auto insurance policies for all drivers in California. Our coverage includes liability protection, uninsured motorist coverage, and specialized options for classic cars and high-risk drivers. We offer instant SR-22 filings and competitive rates for safe drivers, multi-vehicle owners, and qualified professionals.
Home Insurance
Our homeowners insurance policies protect various property types including new homes, older residences, and mobile homes. Coverage options include dwelling protection, personal liability, flood/earthquake insurance, and identity theft protection. We offer discounts for security systems and newer construction properties across Ventura County.
Business Insurance
We provide comprehensive business insurance solutions for commercial property owners and operators. Our policies cover general liability, product liability, cyber risks, and workers compensation. We specialize in tailored programs for restaurants, janitorial services, landscapers, and California cannabis industry businesses from seed to sale operations.
Specialty Insurance
Our specialty insurance division covers recreational assets and special events. We offer policies for travel trailers, motor homes, personal watercraft, and pleasure boats. We also provide 1-day event insurance and customized coverage for unique valuables like antiques, fine art, and jewelry through our Oxnard-based agency.
Renters Insurance
We offer affordable renters insurance policies that protect personal property and provide liability coverage. Our policies include personal property protection, additional living expenses coverage, and guest medical protection. This coverage is available for apartment dwellers across Southern California through our local agency.
Questions
What types of insurance do you offer?
We provide auto, home, business, specialty, and renters insurance policies tailored for California residents and commercial clients.
Do you offer insurance discounts?
Yes, we provide discounts for policy bundling, safe drivers, multi-vehicle owners, and qualified professionals like teachers and military personnel.
What are your business hours?
We're open Monday-Friday 9:00 AM-6:00 PM. Saturday and Sunday appointments are available by request.
Do you serve areas outside Oxnard?
We primarily serve Ventura County and Southern California, with insurance solutions available statewide.
Can I get insurance with a DUI record?
Yes, we offer auto insurance policies for drivers with DUI records, including instant SR-22 filings.
Reviews (5)
Julie Z.
Jan 09, 2019
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I have been going through smart buy/Ramirez ins for 15+ years. Chris always goes above and beyond to help me with all my auto insurance needs. Everyone in the office is super helpful!
Julie Z.
Jan 09, 2019
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I have been going through smart buy/Ramirez ins for 15+ years. Chris always goes above and beyond to help me with all my auto insurance needs. Everyone in the office is super helpful!
Nancy B.
Jun 23, 2017
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Best insurance agents around, hands down! They provided me with a pamphlet that lists everything you need to do in case of an accident. I was hit from behind a month ago and was frantic, trying to remember what to do. Then low and behold I find my pamphlet next to my insurance info in my glove compartment box. I was reminded of how helpful these guys have been since day one. Thank you guys!
Nancy B.
Jun 23, 2017
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Best insurance agents around, hands down! They provided me with a pamphlet that lists everything you need to do in case of an accident. I was hit from behind a month ago and was frantic, trying to remember what to do. Then low and behold I find my pamphlet next to my insurance info in my glove compartment box. I was reminded of how helpful these guys have been since day one. Thank you guys!
Cris R.
Dec 06, 2014
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Amazing & superb service. I get treated like family every single time I go in there. They are honest, friendly, informative, and always willing to explain things in a way I can understand. My parents speak Spanish only, so the fact that they are bilingual is a big plus.
