Cheap Car Insurance Hayward

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cheap car insurance haywardHayward is the sixth largest city in the San Francisco Bay Area and the third largest in Alameda County. Hayward is 25 miles southeast of San Francisco, 14 miles south of Oakland, 26 miles north of San Jose. It is considered the epicenter of the Bay Area, if you work in the Silicon Valley, you can get there fast by using the seven-mile Hayward/San Mateo Bridge. The city has a large student population, as nearly 65,000 pursue their education here. The cost of living in Hayward is 1% higher than the California average, and the overall crime rate in Hayward is 12% higher than the national average. You have a 1 in 32 chance of becoming a victim of any crime in this city, so it is important to take the time to protect yourself on the road and look at all the options for cheap car insurance Hayward has available.

cheap car insurance hayward 2The city of Hayward has a very effective police department, and even has an Online Surveillance Camera Program This program allows persons and/or businesses to register their privately owned surveillance camera systems with the Hayward Police Department, voluntary and at no cost to the participant. This helps involve everyone in the community to participate in keeping everyone safe. The safer your city, the cheaper your insurance rates will be.

Hayward 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 incidentcheap car insurance hayward 3

The minimum coverage may be all the law requires, but Hayward 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.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Public Transportation in Hayward

More than ever, transit connectivity is crucial in Hayward. Whether you’re driving, biking, walking or using the many public transportation options, Hayward makes it easy for you to get where you’re going. Bay Area Rapid Transit (BART), the regional rapid transit system, has two stations in Hayward. The AC Transit bus system, which provides bus service for Alameda County and Contra Costa County, operates in Hayward. Also,  Amtrak, the national rail passenger system, provides daily service at its Hayward station for the Capitol Corridor train, which runs between San Jose in the South Bay, and Auburn in the Greater Sacramento area.