Whether you've just come in from a refreshing soak at Dry Town Water Park, or you've been mulling over a difficult business deal while hiking through Devil's Punchbowl, you crave guidance for how to collect and assess Palmdale insurance quotes. After all, the town is in a state of almost alarmingly rapid change. In 1990, the population was barely 12,000. Today, more than a 150,000 people call Palmdale open. This crowd is in many ways underserved. Witness the fact that no highway or California freeway currently serves Palmdale (as of May 2010).
With so much growth and change happening, you might be tempted to forget your worries by strolling on Joshua Ranch Trail. But ignoring risks won't make them go away. Understand the whys and wherefores of your Palmdale insurance options to make smarter risk calculations and protect your family and business more efficiently and effectively.
Transporting You to Palmdale Insurance Quotes for Autos and Trucks
Whether you drive State Route 138 every day to work in Inland Empire, or you cruise on the Antelope Valley Freeway, you need a solid insurance policy for your car and truck. Before we get to the nitty-gritty, consider some Southland statistics as well as applicable laws. In California, as of February 2010, drivers must carry both property damage and bodily injury liability insurance. The minimum liability limits are modest by any standard. For bodily injury per accident, you must carry $30,000. For bodily injury per person, you need $15,000 coverage. And for property damage, you only need $5,000 coverage. If you qualify as a low-income driver, according to the California Automobile Assigned Risk Plan, your minimum liability risks are actually even lower ($20,000 bodily injury per accident, $10,000 bodily injury per person, and $3,000 property damage). According to 2007 numbers complied by the Nation Association of Insurance Commissioners, Southern Californians paid $800 on average for insurance -- compared to $795 for the rest of the country.
This isn't to say that Golden State driving does not come without risk. 18% of Californian drivers were uninsured in 2007, according to the Insurance Research Council, ranking California as the seventh worst state for uninsured drivers. And given the rickety state of some of Palmdale's highways -- some people have even taken to calling State Route 138 "Blood Alley" -- insurers could view Palmdale drivers as riskier clients than average Californians. Here is another wildcard for you. According to Caltrans, state workers plan to build a number of freeways, including State Route 48 to the Antelope Valley, State Route 122 to Edwards Air Force Base, and State Route 249 to La Canada Flintridge. Who knows what all this impending construction might do to insurers' risk calculations.
Better Deals on Palmdale Insurance Packages
With so many moving parts informing Palmdale insurance rates, you want specific, easy to follow, and easy to implement guidelines to qualify for lower premiums. Consider doing all or some of the following: taking a defensive drivers course, buying your auto and homeowners insurance from the same company, installing an anti-theft device, opting for a higher deductible, getting a good student discount, and avoiding accidents or tickets.
Extracting the Most Benefit - in the Least Amount of Time - From Palmdale Insurance Quotes
By this point, you are no doubt exhausted by the thought of procuring life, auto, medical, business, homeowners, and other insurance coverage for your business and family, and you just want to chill out playing a pick-up game at the Best of the West Softball Complex or lose yourself in a open air concert at the Palmdale Oasis Park Recreation Center. Before you throw your hands up in despair, look to NetQuote. We are a free, reputable service that can connect you with five or more quotes from name-brand insurance companies. Simply enter your information in our questionnaire, and you will get a variety of quotes back to compare and contrast.