Cheap Car Insurance Indio

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Indio sits towards the eastern edge of Riverside County, and is only 23 miles from the famous resort town of Palm Springs. The cost of living in Indio Hills is 19% lower than the California average, yet still 11% higher than the national average. The city is near two Native American owned casinos, which brings in a lot of tourist traffic throughout the week. The city’s nickname is the “City of Festivals” because of the many cultural events held in the city, most notably Coachella Valley Music and Arts Festival. Two major contributions to the local economy are year-round agriculture and tourism, with the majority of tourist activity is seasonal between October and May. Interstate 10 runs directly through the city of Indio, and that factor combined with all the tourist events makes for very heavy traffic. This makes it especially important to understand all the options for cheap car insurance Indio can offer.

The overall crime rate in Indio Hills is 54% higher than the national average. However, 2015 reports indicate that the number of year over year crimes in Indio has decreased by 35%. Indio does have it’s own police department, which includes a K-9 Unit and a community outreach unit. Crime statistics are an important factor in determining the risks of living in any city, and will affect the cost of your insurance premiums. The chance of being a victim of property crime in Indio is 1 in 27, so residents should make sure they have more than the state required minimum insurance coverage.

Indio Insurance Requirements

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

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

cheap car insurance indio 2The minimum coverage may be all the law requires, but Indio 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 Indio can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

cheap car insurance indio 3Indio Public Transportation

There is 1 airport and 4 Amtrak train stations within 30 miles of the Indio Hills city center. SunLine Transit runs bus service throughout the Coachella Valley, but most Indio residents rely on their cars for their daily commutes. The average travel time to work in Indio is 4% higher than the national average, so carpooling would be the best way to save money on your auto insurance if you live In Indio.