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Simi Valley is part of the Greater Los Angeles Area and located 30 miles from Downtown Los Angeles. The spelling of Simí in the records from the time of the land grants places the emphasis on the second syllable of Simí, indicating that the proper way to pronounce Simí sounds more like “suh-MEE” rather than “SEE-me.” The city is largely a commuter bedroom community, housing residents who work in the Los Angeles area, the San Fernando Valley, and Ventura County. The cost of living in Simi Valley is 7% higher than the California average, and the median income is $104,863. Simi Valley has been the victim of several natural disasters, including the flood of 1967, the storm of 1983, the 1988 lightening strike, as well as the 1994 Northridge earthquake and numerous wildfires. These facts and the high cost of living make it especially important to explore all the options for cheap car insurance Simi Valley has to offer.
There are a total of 173 Simi Valley police officers, and the overall crime rate in Simi Valley is 54% lower than the national average. Property crime is 55% lower than the average of California, and 52% lower than the national average. The Simi Valley Police Department is organized into three Divisions: Field Services Division, Investigative Services Division, and Critical Support and Logistics Division. A strong police department helps keep down the risk for theft and property damage, which is helpful in reducing auto insurance premiums.
Simi Valley 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 Simi Valley 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 Simi Valley can provide.
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury
Public Transportation in Simi Valley
Union Pacific Railroad provides freight service for Simi Valley, and Amtrak and Metrolink provide passenger service. The city also operates a local bus system, with connections to Los Angeles County Metropolitan Transportation Authority (LACMTA) and Ventura Intercity Service Transit Authority (VISTA). These trains, as well as the buses, run 7 days a week and stop in Simi Valley several times each day.