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Palm Desert is part of Riverside County, and located in the Coachella Valley, approximately 14 miles east of Palm Springs and 122 miles east of Los Angeles. Palm Desert is the type of place people visit, and never leave, and is a popular retreat for “snowbirds” from colder climates. The cost of living in Palm Desert is 8% lower than the California average, but 25% higher than the national average. In the past couple of years Palm Desert has drawn many more full time residents, mainly from the coasts and urban centers of California, who have come for both affordable and high-valued home prices. Even so, 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 Palm Desert has available.

The overall crime rate in Palm Desert is 63% higher than the national average. However, 2015 reports show that the number of total year over year crimes in Palm Desert has increased by 2%. Property crimes is 69% higher than the California average, and 78% higher than the national average. The Riverside County Sheriff’s Department has only one of its stations located in Palm Desert, and that station also provides police services to the municipalities of Rancho Mirage, and Indian Wells. Low crime rates are important in order to keep down the cost of insurance premiums.

Palm Desert 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 palm desert 2The minimum coverage may be all the law requires, but Palm Desert 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 Palm Desert can provide.

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

Palm Desert Public Transportation

cheap car insurance palm desert 3There is 1 airport and 4 Amtrak train stations within 30 miles of the Palm Desert city center. Bus transportation within Palm Desert is provided by SunLine Transit Agency. SunLine has garnered international recognition for its early embrace of and continued commitment to the use of clean burning, environmentally friendly compressed natural gas and hybrid technology to power its fleet of buses. The number of people who carpool to work in Palm Desert is 13% higher than the national average, and carpooling is a great way to keep your yearly mileage down so that you can qualify for the low mileage discount on your auto insurance.