As residents of San Diego's Hidden Valley know, Escondido offers manifold hidden charms -- as well as secret risks. A day trip to Dickson Lake can entertain the grandkids -- but will you encounter a DUI driver on the way? Will the water be safe for swimming? And what happens when a tailgater rear-ends your car on the Valley Parkway or your tire threads fail while you cruise on I-15? Truth be told, whether you own an old house off Chestnut Street or spend your afternoons sunbathing on the banks of Lake Wohlford, you need to identify and mitigate against risks of Southern California living. And you also must deal with potential crime problems. In 2007, a survey found that, among California cities with populations over 50,000, Escondido ranked 58th for property crimes and 65th for violent crimes -- not exactly encouraging numbers. To that end, this article can give you peace of mind by providing timely tips, statistics, and suggestions for how to lock down better Escondido insurance quotes.
Exploring Three Common Kinds of Escondido Insurance -- Auto, Homeowners, and Health
Automobile insurance -- According to the National Association of Insurance Commissioners (NAIC), Californians paid around average for their car insurance in 2007 ($800 versus the US average of $795). As a Southern California driver, your requisite insurance includes bodily injury coverage to the tune of $15,000 per person and $30,000 per accident as well as property damage liability worth $5,000. These minimums are probably too low for your needs. A more realistic assessment might be $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 property damage. On top of that, you should also tack on underinsured/uninsured motorist coverage. After all, the Insurance Research Council found that nearly one out of every five California drivers lacked insurance in 2007 -- and no doubt the rate of uninsureds in San Diego is significantly higher, if anecdotal reports are to be believed.
Homeowners insurance -- Californians paid $925 on average for HO-3 homeowners policies in 2007, according to the NAIC -- significantly higher than the US average of $822. To save on Escondido insurance, consider installing an improved security system on your property, opting for a higher deductible, paying out of pocket for minor problems, such as a broken window or small plumbing problem, and insuring your car and auto on the same policy.
Health Insurance -- Sadly, despite being a Mecca for surfers and beach bums for nearly three generations now, the Greater San Diego area has witnessed a significant increase in obesity, Type 2 diabetes, and metabolic syndrome. Health problems translate to increased premiums and other costs, so it behooves you to work with your doctor to get your obesity and metabolic syndrome under control. Speak to your physician and/or endocrinologist about ways to control your insulin levels by eating fewer refined carbohydrates and less sugar.
Identify Escondido Insurance Quotes and Find the Right Policy Today
NetQuote can provide you nearly instant access to five or more Escondido insurance quotes. Our online service is free, and it requires almost no effort. Fill out one questionnaire, and then get back quotes to cross compare and analyze. There is no need to run around to different insurance websites sourcing Escondido insurance quotes -- NetQuote simplifies the process for you, so you can get back to doing more fun things, like touring the Mingei International Museum or taking your dachshund for a walk in Grove Park.