Cheap Car Insurance Temecula

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cheap car insurance temeculaTemecula is becoming more and more well known for its championship golf courses, a climate perfect for serene and beautiful hot-air ballooning adventures, and award-winning wineries. The City of Temecula forms the southwestern anchor of the Inland Empire region, and is part of Riverside County. The Temecula Valley Balloon & Wine Festival, the Temecula Valley International Film Festival, bring a significant amount of tourists every year, and adds to the health of the city’s economy. The cost of living in Temecula is 5% lower than the California average, but housing costs in Temecula are still 74% higher than the national average. This makes it especially important to explore all the options for cheap car insurance Temecula has to offer.

cheap car insurance temecula 2The Temecula Police Department employs officers at the rate of about 1 Officer per 1,063 residents. Temecula has 2 storefront police locations, a traffic team, investigations bureau, and special teams to deal with drugs and gang-related issues. The overall crime rate is 5% lower than the national average, and Temecula is safer than 55% of the cities in the United States. For property crime, Temecula, CA is equal to the California average and 5% higher than the national average. These are important factors that determine the cost of car insurance in the area.

Temecula 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 incidentcheap car insurance temecula 3
  • $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 Temecula 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 Temecula can provide.

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

Public Transportation in Temecula

There is 1 airport and 4 Amtrak train stations within 30 miles of the Temecula city center, yet the number of people who take public transportation in Temecula is 92% lower than the national average. The RTA provides bus service to the City of Temecula and throughout Riverside County, and there are a multitude of park and rides to promote carpooling. Using public transportation, or carpooling, is a great way to reduce the mileage accumulation on your car, and save you money on your insurance premiums.