Pismo Beach, CA is a city in San Luis Obispo County, CA.  In 2000 the population was 8,551.  Pismo Beach is the “clam capital” of California.  The city holds a festival every October with clam chowder competition and a clam-themed parade.

Health Care & Pismo Beach, CA Health Insurance

According to the Environment Protection Agency (EPA), the air quality in Pismo Beach, CA  has a score of 31 on a scale of 100 (higher being better).  The water quality is 30 on a scale of 100 (USA average is 55).  There are 247 physicians per capita in Pismo Beach, which is much higher than the USA average of 169.7.  For more information on Pismo Beach Health Insurance, please contact our office, or fill out a free health insurance quote online.

Factors that influence Pismo Beach, CA Auto Insurance Rates

Pismo Beach Insurance

Pismo Beach Insurance

One thing that affects your insurance rates is the geographic area that you live and drive in.

In Pismo Beach, there was only 1 fatal car accident in 2008.  This particular accident involved a pedestrian.  Pismo Beach falls above the California State average of fatal accidents per 100,000 population.

Pismo Beach residents drive their cars frequently.  A majority of residents drive alone to work (77%), 9% carpool, 0% (none) take public transit, and 8% work from home.  The average commute time to work is 22.6 minutes (USA average = 27.4 minutes).

In Pismo Beach, 4.8% of households do not own a car.  45.9% own 1 car, 36.6% own 2 cars, and 12.7% own 3 cars or more.

To find out exactly what you would have to pay for auto insurance in Pismo Beach, please fill out one of our free online auto insurance quote forms.

Do you Need Renters Insurance in Pismo Beach, CA?

In Pismo Beach, 37% of residents are renters.  It is very important to make sure your contents are covered if you are a renter. Usually renters insurance is very inexpensive coverage.  The median rent paid in Pismo Beach is $1,198/month.  To find out how you can get renters insurance coverage, please fill out one of our free online renters insurance quote forms.

Factors that affect Pismo Beach, CA Home Insurance rates

Sometimes the weather of a particular region can affect home insurance rates.  For example, houses near the ocean are priced higher due to higher changes of floods.  Similarly, areas with more temperate weather conditions are not exposed to those risks and may have more affordable home insurance rates.  California currently ranks 7th out of all states for the highest home insurance rates (1 being the highest).

Pismo Beach gets 17 inches of rain each year, which is lower than the US average of 37.  This means residents may not be as prone to issues like flooding when compared to other areas.  There are 282 sunny days in Pismo Beach per year and in July, the temperature usually reaches a high of 70 degrees.  The low in January is 42 degrees.

Another thing that affects home insurance rates is the value of the home that you are insuring.  In Pismo Beach, the median house value is $695,422.  This is higher than the California average of $532,300.

To find out how much it would cost to insure your house, fill out one of our free online home insurance quote forms.