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Cheap Car Insurance in San Diego, California

Looking to know more about San Diego and how you can get cheap car insurance? Well, San Diego is a city in California that borders Mexico. Incorporated in 1850, the city is known for being a center for military and defense personnel. Tourism is also a big industry within the city, and the San Diego Zoo is one of the most famous zoos in the world.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in San Diego. Get your free auto insurance quote today!

Driving Conditions in San Diego

San Diego has many of the traffic-related problems that are commonly associated with driving in Southern California. Gridlocked traffic along major freeways including Interstate 5 can cause motorists to sit in traffic for hours. Aggressive drivers in San Diego and the surrounding suburbs cause major accidents every year.

Odd Laws in San Diego

California driving laws tend to be similar to laws in other states, but there is one odd law that seems to have been placed on the books without much thought to the probability that the situation would occur. An article published by Stanford University reveals that there is a law in California that states that no vehicle may travel over the speed of 60 miles per hour if it does not have a driver.

San Diego Crime Statistics

The statistics below that relate to crime have been gathered using data from the FBI. Information related to crashes in San Diego has been sourced from the California Office of Traffic Safety. These statistics contribute in part to what you’ll pay for car insurance.

  • Auto Thefts: There were 6,259 auto thefts in San Diego in 2011. This means that there were 4.8 auto thefts per 1,000 residents.
  • Property Crime: There were 29,709 property crimes in San Diego in 2011. This means that there were 22.6 property crimes per 1,000 residents.
  • Drunk Driving: There were 696 DUI-related deaths and injuries in San Diego in 2010.
  • Crash Statistics: There were 5,241 total vehicle crashes that resulted in a death or injury in San Diego in 2010.

In 2015, according to the FBI, 5,096 vehicles were reported stolen in San Diego. Also, 29,158 property crimes were reported that year.

San Diego Vehicle and Driving Safety Requirements

Seat Belt Law

Children under age 2 must ride facing the rear of a vehicle in an appropriate child passenger safety seat, according to the California Highway Patrol. Children weighing at least 40 pounds or standing at least 40 inches tall are exempt. Children under age 8 must be properly restrained in an appropriate child safety seat in the back seat of a vehicle.

Cellphone Law

Motorists can’t hold a wireless telephone or electronic wireless communication device while driving a vehicle, the California Highway Patrol says; however, hands-free use is allowed. Instead of a device being held, it must be mounted in the 7-inch square in the lower corner of the windshield farthest removed from the driver or in a 5-inch square in the lower corner of the windshield nearest to the driver. Another option: Attach the device to the dashboard where it does not block the driver’s view of the road and does not hinder airbag deployment.

Helmet Law

Anyone under age 18 must wear a helmet when riding a bicycle on a street, bikeway or public bike path or trail. Helmet use also is mandated for anyone under 18 who’s riding a scooter or skateboard, or using inline skates.

Impaired Driving Law

For drivers over age 21, the blood alcohol limit for DUI is 0.08 percent. A first-time DUI conviction can lead to a $1,000 fine, plus more than $2,600 in penalty assessments; a six-months jail sentence; a six-month license suspension; a 30-day vehicle impoundment; and installation of an interlock breath device in the driver’s vehicle.

Under California law, authorities have “zero tolerance” for anyone under 21 who’s been caught driving under the influence. The state Department of Motor Vehicles automatically suspends or revokes the driving privileges of a driver under 21 who was busted for DUI (alcohol or a combination of alcohol and drugs) who had a blood alcohol level of at least 0.01 percent or refused to take a blood alcohol screening or test.

People who are addicted to any type of illegal drug are not permitted to operate a motor vehicle in the state of California.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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