Cheap Car Insurance Downey

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cheap car insurance downeyDowney is located 12 miles southeast of the Los Angeles Civic Center and only five miles from Orange County, and about 10 miles from the beautiful Pacific coastline. Rancho Los Amigos is a world renown spinal injury treatment center, and the city’s largest employer. The city is also the birthplace of the Apollo space program, and the home of the oldest still operational McDonald’s restaurant in the world. The cost of living in Downey is 37% higher than the national average, and the median monthly income is around $80,883. Downey is situated between four major freeways, making streets busy most of the day, and traffic jams are the norm on daily commutes. With the city’s expensive cost of living and high traffic, it is important to save where you can, so check often for all the options for cheap car insurance Downey has available.

cheap car insurance downey 2Downey has a crime rate that is 2% lower than the national average, and property crime is 4% lower than the state average. The Downey Police Department has a total of 144 police officers, as well as several organized community resource programs. One of the programs, GOOD (Gangs Out Of Downey), is a community-based organization that helps encourage young people between the ages of 10-20 to stay away from gangs. Cities with lower crime rates also have lower car insurance costs, based on the calculated lower risks of living in that city.

Downey 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 Downey 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 Downey can provide.

  • Collisioncheap car insurance downey 3
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Public Transportation in Downey

Los Angeles County Metropolitan Transportation Authority (Metro) provides bus services to the city, and is served by the Lakewood Boulevard station of the Green Line (Los Angeles Metro). The city also operates a local bus service called DowneyLINK. Using public transportation is one of the best ways to help keep your car insurance costs down. The lower your vehicle mileage, the better discount you can receive on your premiums.