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The City of Carlsbad has perfect climate, nearly seven miles of beaches, nature trails, a charming Village and family attractions, and just about anything else you could want for an ideal home location. Carlsbad is also a prime tourist destination, and the 5th richest city in the state of California, with a median household income close to $105,000. Carlsbad is home to the nation’s largest desalination plant, and construction of the $1 billion Carlsbad Desalination Plant at the Encina Power Plant was completed in December 2015. In 2013, Google named Carlsbad the digital capital of California with the strongest online business community. It is also known as the golf manufacturing capital of the world, with Callaway Golf Company, TaylorMade-adidas Golf Company, Cobra Golf, Titleist, and Odyssey Golf all located in Carlsbad. The cost of living in Carlsbad is 25% higher than the California average, so it is especially important to explore all the options for cheap car insurance Carlsbad has to offer.
There are a total of 158 Carlsbad police officers, including a neighborhood watch program that is coordinated by the Police Department. There is also a strong volunteer program, which helps free up officers to provide the best service possible to the residents and visitors. The overall crime rate in Carlsbad is 29% lower than the national average, and Carlsbad is safer than 59% of the cities in the United States. Property crime is 28% lower than the state average, and 25% lower than the overall national average. This is great news for anyone buying car insurance. The lower the crime risks in a city, the better deal you can get on your auto insurance policy.
Carlsbad 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 Carlsbad 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 Carlsbad can provide.
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury
Public Transportation in Carlsbad
Public transportation in Carlsbad, including train, bus and shuttle services, is provided by North County Transit. RideLink also offers a range of other transportation options. There are also three Amtrak stations located withing 30 miles of downtown Carlsbad.