Cheap Car Insurance Lake Elsinore

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Lake Elsinore is a city in western Riverside County on the shore of a 3,000 acre natural freshwater lake. Set against the spectacular Ortega Mountains and Cleveland National Forest, the area has many opportunities for hiking, biking, bird-watching, and extreme sports such as skydiving, hang-gliding and mountain biking. Visitors and residents can also enjoy boating, wake-boarding, fishing, water skiing, windsurfing, sunbathing, picnicking or playing on the beach. Rapid population growth in the mid-2000s changed Lake Elsinore from a small lakeside town to a bedroom community of upper middle-class professionals. The cost of living in Lake Elsinore is 15% lower than the California average, and 16% higher than the national average. This makes it especially important to understand all the options for cheap car insurance Lake Elsinore has available.

The overall crime rate in Lake Elsinore is 16% higher than the national average, and property crime is 18% higher than the state of California and 24% higher than the nation’s average. The Riverside County Sheriff’s Department serves the entire Lake Elsinore Valley, with contracts for fire and paramedic services. The Lake Elsinore Police Department works closely with the community to develop proactive strategies and solutions for crime and quality of life issues.

Lake Elsinore 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 lake elsinore 2The minimum coverage may be all the law requires, but Lake Elsinore 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 Lake Elsinore can provide.

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

Lake Elsinore Public Transportation

 
cheap car insurance lake elsinore 3There are 2 airports and 10 Amtrak train stations within 30 miles of the Lake Elsinore city center. Bus service to and from Lake Elsinore is provided by the Riverside Transit Agency. The average travel time to work in Lake Elsinore is 64% higher than the national average, so using public transportation or carpooling would be a wise choice for anyone wanting to cut down the yearly mileage on their car. The farther you commute, the longer you’re on the road, and that increases your risk of being involved in an accident.