Cheap Car Insurance Torrance

Start My Quote
cheap car insurance torranceTorrance is situated halfway between Los Angeles and Orange County and bound by the Pacific Ocean on the west. It has 1.5 miles of lifeguard patrolled beach, bath house facilities and public parking. Torrance is the eighth largest city in Los Angeles County and the 33rd largest city in California. The city enjoys a pleasant year-round climate with warm temperatures, sea breezes, low humidity and an average rainfall of 12.55 inches per year. The cost of living in Torrance is 22% higher than the California average, and is safer than 59% of the cities in the United States. Property crime is 26% lower than the average, and in 2016 there were 426 vehicles stolen. It is important to take the time to protect yourself on the road and look at all the options for cheap car insurance Torrance has available.

cheap car insurance torrance 2Police protection is important to the city of Torrance, and they have 1 Police Station, 1 Police Substation and 3 Police Community Centers. There are 241 sworn police employees including specialized units such as the Crime Scene Investigation unit, a gang detail, and a canine detail. Located within the Traffic and Emergency Services Bureau is Commercial Enforcement, Parking Enforcement, and the Police Motor Squad. The Department also maintains its own S.W.A.T. unit. A strong police force helps keep the risks of incidents down and car insurance premiums low.

Torrance 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 torrance 3

The minimum coverage may be all the law requires, but Torrance 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. Many drivers in California do not have auto insurance, so uninsured motorist protection is a must if you live in a busy city like Torrance.

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

Public Transportation in Torrance

The city is served by Torrance Transit, LACMTA Metro bus, and LADOT services. Rail transport includes Union Pacific and BNSF along the Harbor Subdivision line. Torrance Transit directly operates a network of eleven fixed bus routes serving the City of Torrance and the neighboring cities of Carson, Compton, El Segundo, Gardena, Hawthorne, Lawndale, Lomita, Long Beach, Los Angeles, Manhattan Beach, Redondo Beach and the unincorporated areas of Los Angeles County.