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Cheap Insurance Cheap Car Insurance San Diego, CA
In California, you must carry minimum liability of $15,000 per person/$30,000 per occurrence for bodily injury, as well as property damage liability of $5,000.
Recent studies found that the cheapest San Diego county premiums were found in Carlsbad and San Marcos. Among the most expensive were San Diego, La Jolla, Chula Vista, and Imperial Beach.
Crime in San Diego
Some of the difference in price can be attributed to each area’s crime statistics. There were over 6,000 motor vehicle thefts in San Diego in 2013.
- Rancho Encantata (1)
- San Pasqual (3)
- NorthCity (5)
- Burlingame (5)
- Miramar Ranch North (6)
- Emerald Hills (7)
The most commonly stolen vehicles in California (as of 2012) were:
This information is good to have if you are planning on buying a used car, or moving to a different neighborhood. Your auto insurance rates will vary a great deal depending on where you live and what you drive.
Other Insurance Facts
Liability covers any damage or injury that you cause, but does not cover damage to your vehicle, or injury to your passengers.
Something to consider: Recent estimates have shown that 23% of drivers in California are uninsured.
Those are just two reasons to consider more substantial coverage, such as comprehensive and collision, property damage, and uninsured motorist coverage. More information, as well as insurance tips for teens and young adults can be found in our Resource Library.
Explanation of Additional Coverage
Comprehensive Coverage reimburses you for any damage to your vehicle that is not caused by a collision. This includes theft, vandalism, or natural causes such as earthquakes or falling trees.
Uninsured Motorist / Underinsured Motorist coverage protects you if you are hit by a driver who isn’t carrying current or adequate insurance.
Driving in San Diego
Though it’s not as bad as L.A., San Diego traffic still results in a total of 37 hours of annual delay for each driver. There are roughly 1.7 million drivers on the road during peak traffic hours.
In 2010 there were 189 people killed in car accidents and over 12,000 injuries. That number seems to have decreased slightly over the past 4 years, but hard data is still being calculated.
The best ways to avoid an accident is to obey all local traffic law, keep from speeding, and always drive defensively. Safety restraints, air bags, and properly inflated tires remain the best way to prevent serious injury.
Living in San Diego
The United States Weather Bureau describes San Diego’s weather as near-perfect. In fact, the city boasts some of the best year-round weather in the world. From the sun-kissed shores to the desert’s rich mosaic to picturesque mountain roads, the city has it all
But even though the weather is great, San Diego is a also terrific to experience by car. If you’re in the mood for a day trip, there is a famous 59-mile scenic drive up and down the coast. You can get gorgeous views of the bay, Point Loma, La Jolla, and Coronado Island.
The median rent in San Diego is currently at $1,294, and the median home value is $479,000.
San Diego Economy
The median household income in San Diego was $63,373 in 2012 and the home ownership rate was around 54%. Still, 13% of residents live below the poverty level.
Much of the local economy revolves around government and national defense, with a heavy naval presence. The shipping and maritime industry employs over 46,000 people, and brings the over $14 billion in revenue.
Because of its excellent year-round weather, the city attracts more than 30 million tourists each year for $7.5 billion in revenue. Conventions are a big part of this (like the famous San Diego Comic Con).
History of San Diego
Originally one of the first West Coast sites visited by Europeans, it was later claimed by Juan Cabrillo for Spain. In 1850, after the Mexican American War, it was admitted as a state in the Union.
Fishing and canning (specifically tuna) were large industries up until the 1980s, and after their closure the downtown area began a decline. However, recent urban renewal projects have revitalized the city, including the famous Gaslamp Quarter. The opening of the HortonPlaza, the Convention Center, and PetcoPark brought major economic renewal and growth.
So, yes it may be expensive by national standards, but the cost-of-living is a small price to pay to live in such a beautiful and vibrant city.