Cheap Car Insurance Costa Mesa

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cheap car insurance costa mesaCosta Mesa is located only one mile from the Pacific Coast in the heart of Orange County. The city is home to many big businesses in the action sports industry, including Hurley International, Volcom, RVCA and Paul Frank Industries. The City’s location provides easy access to many of Southern California’s major attractions, including beaches, mountain areas, high and low deserts, Disneyland, Knott’s Berry Farm, Palm Springs and Los Angeles. The cost of living in Costa Mesa is 19% higher than the California average, and the median household income is $95,713. Living anywhere in California is pretty expensive, and Costa Mesa is no exception. This makes it all the more important to save where you can, so check often for all the options for cheap car insurance Costa Mesa has available.

cheap car insurance costa mesa 2The Costa Mesa Police Department has 212 full-time positions, including 136 sworn officers and 76 civilians. There are also various part-time positions to aid throughout the organizations, as well as several strong community outreach programs. Even though overall crime rate in Costa Mesa is 57% higher than the national average, the city is still safer than 23% of the cities in the United States. For property crime, Costa Mesa is 59% higher than the California average and 67% higher than the national average. Making sure you have enough insurance coverage is very important if you live in Costa Mesa.

Costa Mesa 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 Costa Mesa 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 Costa Mesa can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursementcheap car insurance costa mesa 3
  • Uninsured motorist bodily injury

Public Transportation in Costa Mesa

Costa Mesa is served by several bus lines of the Orange County Transportation Authority (OCTA), but the most common form of transportation is by automobile. Two freeways terminate here, State Route 73 and State Route 55 (also known as the Costa Mesa Freeway). The San Diego Freeway, Interstate 405, also runs through the city. The heavy traffic congestion makes driving in your own car a higher risk than other areas. Utilizing public transportation, or carpooling, even just once a week, can make a big difference in your insurance costs.