If you are a Salinas resident, chances are that you've been unnerved by local safety trends over the past decade. First, the town decided to drastically curtail spending -- nearly shuttering the local libraries in the process. Next, the local crime statistics gave you a scare. According to US Department of Justice statistics, in 2008 and 2009, Salinas averaged nearly 20 homicides per 100,000 people. Of course, safety calculations are just one factor to take into account when shopping for Salinas insurance quotes. The city is a dynamic, expanding, and diverse environment. It has been home to celebrities ranging from talk show star Craig Kilborn to cartoonist Brendon Small to author John Steinbeck. So your perspective on Salinas insurance depends on your vantage. Will you look at the problem from the point of view of a Depression Era author writing about the ravages of the Dust Bowl? Or will you see it through the lens of a cartoonist making gentle observations about social mores? To balance your perspective, you need good data. This article can ground your search in numbers and help you move forward.
Stop Riding the Rodeo of Random Salinas Insurance Searches
The Salinas Sports Complex hosts professional rodeo riders every July during Big Week. Whether you are a rough-and-tumble cowboy, or you would rather just read about equine affairs in books like Steinbeck's The Red Pony, you have an interest in mitigating against risks and excessive insurance costs. In California in 2007, drivers paid an average of $800 per annum for insurance -- just around the national average of $795. Golden Staters paid $112 for comprehensive coverage, $372 for collision coverage and $465 for liability. But while the news on the auto insurance front appears to be trending positively for Californians (despite the fact that the state ranked 7th in the United States for percentage of uninsured motorists, according to Insurance Research Council figures for 2007), the news is not so golden for Golden Staters when it comes to health coverage. Pollution threatens millions who live in the Southland. Traffic fatalities due to driving while talking on the cell phone are on the rise, according to the National Highway Traffic and Safety Administration. And obesity and diabetes have spiked to epidemic proportions, thanks to excessive consumption of sugar and junk food. Insurers and healthcare providers alike worry about what the future might hold for Salinas insurance policyholders.
Rally for Better Salinas Insurance Quotes
Just like the Rally Salinas! campaign managed to keep the local libraries open last decade, so too can individual consumers rally to gather resources to get their rates down across the board. Here are some tips. First, consider opting for a higher deductible for your auto, health, or homeowners policy. A deductible is the amount of money you pay before insurance coverage kicks in. Insurers prefer when policyholders opt for higher deductibles, since this puts the companies at slightly less risk. Also, consider moving into a safer neighborhood in Salinas, taking public transportation to qualify for a low mileage discount, taking a defensive drivers course, installing security measures on your car and in your home, and purchasing auto and home insurance from the same company. If you have cash on hand, consider paying off more of your mortgage to get your homeowners rates down.
A More Convincing Solution for Salinas Insurance Quotes
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