Cheap Car Insurance Morgan Hill

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Morgan Hill is an upscale residential community and part of Santa Clara County. Located at the southern tip of Silicon Valley, in the San Francisco Bay Area, it is one of the most expensive places to live in within the United States. The city has a concentration of wealth, along with several high tech companies, including Anritsu, Flextronics, Velodyne LiDAR, and TenCate Advanced Composites. The cost of living in Morgan Hill is 28% higher than the California average, and 75% higher than the national average. The cost of housing in Morgan Hill is 188% higher than the national average. 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 Morgan Hill has available.

Morgan Hill is safer than 59% of the cities in the United States, with an overall crime rate that is 35% lower than the national average. Property crime is 35% lower than the average of California and is 32% lower than the national average. Morgan Hill Police Department has 39 sworn officer positions, 6 paid reserve police officer positions, and 20 non-sworn support positions. The department also has an award-winning Police Explorer Program for the youth of Morgan Hill. Low crime rates and a strong police force help keep down insurance costs for Morgan Hill residents.

Morgan Hill 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 Morgan Hill 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 Morgan Hill 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 Morgan Hill can provide.

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

Morgan Hill Public Transportation

 
cheap car insurance Morgan Hill 3There is 1 airport and 5 Amtrak train stations within 30 miles of the Morgan Hill city center. The average travel time to work in Morgan Hill is 23% higher than the national average, which makes it very important for residents to take advantage of public transportation whenever they can. The Santa Clara Valley Transportation Authority provides local buses and express buses from Moragan Hill to Gilroy, San Martin, San Jose, Santa Clara, and Sunnyvale. Caltrain provides weekday rush-hour commuter rail service. Public transportation or carpooling are the best ways to reduce you yearly mileage, and qualify you for discounts on your auto insurance.