Cheap Car Insurance Alameda

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Alameda is technically an Island city and is south of Oakland and east of San Francisco. The cost of living in Alameda is 26% higher than the California average, and 72% higher than the national average. Alameda is known for its Victorian houses, and 9% of all single-family houses in Alameda are Victorian, and many more have been divided into two to four-unit dwellings. The population is 75,000, and because of its location, and the fact that residents must utilize bridges to get into and out of the city, traffic can be a nightmare. The Bay Area is notorious for its long commutes (rivaling that of Los Angeles’), and the costs associated with transportation can be high. The more time you spend in your car, and the more cars on the, the higher insurance rates will be. If you take a couple minutes to compare all the choices for cheap car insurance Alameda can offer, you might be surprised by how much you can save!

Property crime in Alameda is 12% lower than the California average and 7% lower than the national average, while the overall crime rate in Alameda is 13% lower than the national average. There are a total of 112 Alameda police officers, and Alameda is safer than 50% of the cities in the United States. Crime rates are important statistics used in determining the cost of auto insurance. The lower the crime rates, the lower the risk for theft or property damage.

Alameda Insurance Requirements

 
All California state residents are required to have the basic liability insurance coverage in the following limits:cheap car insurance alameda 2

  • $5,000 of property damage liability per incident
  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident

The minimum coverage may be all the law requires, but Santa Monica has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Santa Monica can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury
  • The California DMV has an excellent website, with tons of information for consumers, including guides to registering your vehicle or purchasing insurance.

Public Transportation In Alameda

cheap car insurance alameda 3Public transportation options include AC Transit buses, a number of ferries, and BART rail services. Commuters in Alameda are more likely
to utilize one of these than residents of other Bay Area cities, just because it relieves to much of the stress of commute. The other upside is that you can save money on your car insurance by driving less miles each year. The northern island is about four times more densely populated than the southern, so insurance rates will probably be a bit higher there. This is mainly because there are more cars on the road in a smaller area which increases the traffic accident statistics.