Cheap Car Insurance Richmond

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cheap car insurance richmondThe City of Richmond is located 16 miles northeast of San Francisco, directly across San Francisco Bay. Richmond is on a peninsula separating San Francisco Bay (on the south) and San Pablo Bay (to the north), and the city has 32 total miles of shoreline. The city’s total area is 56.0 square miles, of which 33.7 are land area and 22.3 are water area. Richmond’s central location. Richmond is situated near major metropolitan cities and major new growth areas. The Port of Richmond contains seven City-owned terminals, 5 dry-docks, and 11 privately owned terminals and is California’s third largest deep-water shipping port. The cost of living in Richmond is 6% lower than the California average, but 27% higher than the national average. 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 Richmond has available.

There are a total of 276 Richmond police officers in the Richmond Police Department, as well as a forensics unit and a narcotics unit. The city has struggled for decades with crime and other problems common to many urban areas. The overall crime rate in Richmond is 47% higher than the national average, and for every 100,000 people, there are 11.55 daily crimes that occur in Richmond. Crime rates are important factors in making sure auto insurance rates are affordable, and that you have all the coverage you need.

Richmond Insurance Requirements

cheap car insurance richmond 2All 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 Richmond 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 Richmond can provide.

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

Public Transportation in Richmond

cheap car insurance richmond 3Richmond is a central transportation hub in the Bay Area, with two Interstate freeways (Interstates 80 and 580), two railroads (Santa Fe and Southern Pacific), a deepwater shipping port, several AC Transit local bus lines, and Bay Area-wide rapid transit and USA-wide passenger rail service from the combined BART and AMTRAK station located in the heart of Richmond’s downtown. BART (the Bay Area Rapid Transit system) has a station in downtown Richmond, providing direct fixed rail transit service to Oakland, San Francisco, and numerous other East Bay cities, with service eventually to be extended to San Francisco Airport as well. AMTRAK, from its station within the Richmond BART station, provides passenger train service to all major Northern and Southern California destinations.