Cheap Car Insurance Lucerne Valley

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Lucerne Valley located in the southern Mojave Desert, within western San Bernardino County, California. The cost of living in Lucerne Valley is 29% lower than the California average, and 3% lower than the national average. The cost of housing in Lucerne Valley is 37% lower than the national average, with the average home price being around $80,000. The majority of Lucerne Valley’s zoning consists of Rural Residential, Resource Conservation and Agricultural zones. Lucerne Valley is located 19 miles east of Apple Valley, and 20 miles north of Big Bear Lake. Traditional retail construction has been restrained in the latter half of the 20th Century to keep the rural character of the town intact, with storefronts facing the highway and a private residence on the same property behind the business on the same lot. 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 Lucerne Valley has available.

San Bernardino County operates a Sheriff Substation and a full-time staffed fire station within town limits. The overall crime rate in Lucerne Valley is 35% higher than the national average. 2015 reports show that the number of total year over year crimes in Lucerne Valley has decreased by 35%. This is good news in more than one way. Lower crime rates mean you will probably be able to pay less for your auto insurance. It is a good idea to check your auto insurance every 6 months to make sure you are getting the best rate, and all the discounts you qualify for.

Lucerne Valley 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 lucern valleyThe minimum coverage may be all the law requires, but Lucerne Valley 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 Lucerne Valleycan provide.

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

cheap car insurance lucern valley 3Lucerne Valley Public Transportation

The Victor Valley Transit Authority (VVTA) provides public transit agency, providing fixed route bus service to the cities of Adelanto, Apple Valley, Hesperia, Victorville and portions of San Bernardino County, including Lucerne Valley. The nearest Amtrak station is 20 miles away in Victorville. The average travel time to work in Lucerne Valley is 50% higher than the national average.