Cheap Car Insurance Los Banos

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Los Banos is part of Merced County, central California, and is located in the San Joaquin Valley, near the junction of State Route 152 and Interstate 5. Agriculture remains the number one industry in and around Los Banos, and the city sits on the southwestern edge of extensive national and state game refuges. This brings fishers, hunters, birdwatchers and other recreational users to Los Banos year round. Since the 1980s, the city’s population has changed with a continuing influx of people who work in the San Jose/Silicon Valley who are looking for more affordable housing. The cost of living in Los Banos is 22% lower than the California average, and 6% higher than the national average. The good news is that the cost of housing in Los Banos is 4% lower than the national average. However, living anywhere in California is pretty expensive, and it is important to save where you can, so check often for all the options for cheap car insurance Los Banos has available.

The overall crime rate in Los Banos is 39% higher than the national average. Property is 39% higher than its state’s mean, and 46% higher than the country’s average. There are a total of 55 Los Banos police officers, and unfortunately 2015 reports show that he number of total year over year crimes in Los Banos has increased by 43%. This means insurance premiums will be higher than in other cities with lower crime rates. It also means that is more important than ever to make sure you have enough coverage, and are getting all the discounts you can qualify for.

Los Banos 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 incidentcheap car insurance Los Banos 2
  • $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 Los Banos 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 Los Banos can provide.

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

Los Banos Public Transportation

 
cheap car insurance Los Banos 3There is 1 Amtrak train stations within 30 miles of the Los Banos city center. The Bus, Merced’s Regional Transit System is the single public transportation service provider for all of Merced County. The average travel time to work in Los Banos is 67% higher than the national average, which is why the number of people who carpool to work in Los Banos is 81% higher than the national average. This  is a great way to keep down the yearly mileage on your car, and get a discount on your auto insurance.