Desert Palms is in the Colorado Desert in the Coachella Valley of eastern Riverside County. The area is a census designated place without an official federally recognized name, situated just of the I-10 Freeway. Indio is 4.5 miles southeast of Desert Palms, and Bermuda Dunes is 2.5 miles south. The cost of living in Desert Palms is 1% higher than the California average, and 39% higher than the national average. The cost of housing in Desert Palms is 101% 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 Desert Palms has available.
Riverside County Sheriff’s department provides police and fire services for Desert Palms. The overall crime rate in Desert Palms is 36% lower than the national average, however it is still safer than 49% of the cities in the United States. According to 2015 reports, the number of total year over year crimes in Desert Palms has decreased by 35%. This is good news if you live in Desert Palms, because lower crime rates mean there is a lower risk for theft and property damage. This will positively affect your insurance rates, lowering the cost of your premiums.
Desert Palms 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
The minimum coverage may be all the law requires, but Desert Palms 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 Desert Palms can provide
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury
Desert Palms Public Transportation
There is 1 airport and 4 Amtrak train stations within 30 miles of the Desert Palms city center. The average travel time to work in Desert Palms is 23% lower than the national average. This is probably because the number of people who work from home in Desert Palms is 226% higher than the national average. Low commute times really help keep down the number of miles you put on your car on a yearly basis. This means you can qualify for low mileage discounts on your car insurance, and saving money is always a good thing.