Cheap Car Insurance Rancho Santa Margarita

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cheap car insurance Rancho Santa Margarita

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Rancho Santa Margarita is a fairly new master planned community set upon rolling hills in Orange County, California. Most facilities in Rancho Santa Margarita are owned and maintained by private organizations which collaborate with public and private organizations such as public service agencies, Homeowner Associations, and community foundations. The cost of living in Rancho Santa Margarita is 16% higher than the California average, and 59% higher than the national average. The average travel time to work in Rancho Santa Margarita is 11% higher than the national average. This plus the city’s high cost of living make it very important to explore all the options for cheap car insurance Rancho Santa Margarita has available.

The City of Rancho Santa Margarita contracts with the Orange County Sheriff’s Department for all of its law enforcement needs. Rancho Santa Margarita is safer than 84% of the cities in the United States, with an overall crime rate that is 76% lower than the national average. Property crime is also low, at 77% below state average 75% lower than the national average. This is good news for Rancho Santa Margarita residents, because lower crime rates mean lower insurance premiums.

Rancho Santa Margarita 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 Rancho Santa Margarita 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 Rancho Santa Margarita 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 Rancho Santa Margarita can provide.

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

Rancho Santa Margarita Public Transportation

 
cheap car insurance Rancho Santa Margarita 3There are 2 airports and 11 Amtrak train stations within 30 miles of the Rancho Santa Margarita city center. Orange County Transportation Authority (OCTA) provides public transportation services from Rancho Santa Margarita. OCTA’s County-wide system has 80 bus routes and 6,500 bus stops to get you practically anywhere you want to go in Orange County. The number of people who take public transportation in Rancho Santa Margarita is 81% lower than the national average, and the number of people who carpool to work is 25% lower than the national average. The reason most people don’t use public transportation is probably because  the number of people who work from home in Rancho Santa Margarita is 54% higher than the national average. Many people don’t need to to commute, but those who do can save money by carpooling or taking the bus to reduce their yearly mileage.