Downey Car Insurance
Situated in California’s popular Los Angeles County, the city of Downey is a mere 6 mile drive away from East Los Angeles and 4 miles away from gorgeous Norwalk. Norwalk’s modern history begins in 1873. Before that time the area in which the city now sits was inhabited by The Tongva, or Gabrielino, ethnic group. The land was established as a mission and was one of the first developed areas of the Los Angeles region. The city of Downey was established by John Gately Downey, the governor of California after the Civil War. He divided the land, encouraged farmers to grow grain and corn crops, and welcomed the integration of the Southern Pacific Railroad.
The city of Downey was officially incorporated in 1956 and thereafter underwent a significant change. Factories and residential areas slowly replaced the farming landscape, especially after World War II. A bustling and busy city, Downey continues to grow. The city is home to just under 108,000 Californians. While property crime levels in Downey are average in comparison to other areas of California, violent crime levels tend to be much lower. This low level of crime plays a significant role in the way Downey car insurance companies determine their premiums.
California, like most other states, requires all drivers to purchase a minimum level of automobile insurance in order to satisfy their financial responsibility laws. The minimum level of bodily injury liability, to pay for injuries you cause to another person, is $15,000 per person or $30,000 per accident. The minimum level of property damage liability, to pay for damages you cause to someone else’s vehicle or property, is $30,000. These limits are very low, especially compared to the limits required in other states. If you can afford higher limits you are encouraged to purchase them as the state minimums may not be enough to protect you from financial liability if you are in a very serious accident. Uninsured and underinsured motorist coverage pays for damages to your own person or property if you are in an accident with a driver who does not have sufficient coverage. While this coverage is not mandatory in California it is available and is highly recommended. Uninsured motorist coverage and higher liability limits can easily be compared by obtaining several Downey auto insurance quotes.
If you’re interested in Downey car insurance quotes we can help. Simply enter your zip code in the field on our website, answer a few questions about your vehicle and driving history, and relax. We’ll send your information to several carriers and gather competitive automobile insurance quotes on your behalf. All you’ll need to do is compare and choose. It’s that simple!