El Cajon is the fifth largest city in San Diego County, and its strategic location make it one of the best retail, manufacturing, and service hub of East San Diego County. Conveniently located along Interstate 8, El Cajon is close to the ocean, the mountains, hiking trails, parks, restaurants and shopping. The cost of living in El Cajon is 5% lower than the California average, and the median monthly income is $75,459 for those who own their own homes. The Cajon Classic Cruise Car Shows are a very popular recurring event, hosted by the Downtown El Cajon Business Partners. From mid April through October, every Wednesday night there is an impressive collection of classic cars on display on East Main Street between Magnolia and Claydelle Avenues. The event helps attract visitors, and helps foster a strong community atmosphere. 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 El Cajon has available.
The overall crime rate in El Cajon is 12% lower than the national average, and property crime is 17% lower than the state average. The city is currently policed by approximately 181 sworn officers, with a number of divisions including, Patrol, Traffic Enforcement, Animal Control, Records, Investigations, Reserves and various volunteer groups. Low crime rates and a strong police force help residents feel safe, and get lower auto insurance rates.
El Cajon 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 El Cajon has a lot of traffic from Interstate 8 which runs directly through the city. The 8 is a major highway connecting several other main freeways, so it is always pretty congested. 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 El Cajon can provide.
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury
Public Transportation in El Cajon
The Metropolitan Transit System (MTS) is the largest provider of public transportation in San Diego County, and provides many transportation options, including MTS Bus (San Diego Transit Corporation) and MTS Rail (San Diego Trolley). Using public transportation is a great way to save on your auto insurance by keeping the mileage on your car low.