California requires all drivers to have auto insurance. But, standard insurance premiums can be expensive, leaving many low-income drivers uninsured. Fortunately, California offers the Low Cost Automobile Insurance Program (CLCA) to help. This program provides affordable liability insurance to eligible Californians, ensuring they meet the state’s financial responsibility laws.
Qualifying for California’s Low-Income Car Insurance Program
The CLCA aims to make car insurance accessible for those who might otherwise struggle to afford it. Eligibility is based on income, meaning you must fall within specific income brackets to qualify.
Previously, drivers needed three years of continuous driving experience to be eligible. However, SB 1273, enacted in 2015, changed this requirement. Now, even drivers with less than three years of verifiable experience can participate. This change expanded access to affordable insurance for newer drivers. The law also increased the maximum vehicle value allowed in the program from $20,000 to $25,000, accommodating a wider range of vehicles.
Navigating the CLCA: Finding Affordable Car Insurance
To determine if you qualify for the CLCA, visit the official website at www.mylowcostauto.com or call 1-866-602-8861. You can also find a certified agent in your area through the website. This resource helps connect eligible drivers with affordable insurance options and provides a streamlined application process.
Insurance agents and brokers seeking information about the program can visit the Automobile Insurance Plan Service Office (AIPSO) website at www.aipso.com/PlanSites/CaliforniaLowCost.aspx. This site offers resources for industry professionals to understand the program’s details and assist their clients effectively. The CLCA is administered by the California Automobile Assigned Risk Plan (CAARP), ensuring efficient management and operation.
Accessing Support and Information on the CLCA
The California Department of Insurance actively supports community outreach and offers resources to help people understand the CLCA. For questions, contact the Community Relations and Outreach Branch (CROB) at (877) 401-9550 or email them at [email protected]. They can provide expert guidance and clarify any program details.
The CLCA is a crucial program for California drivers, making car insurance affordable and accessible. By utilizing the available resources and understanding the eligibility requirements, eligible low-income drivers can obtain the necessary insurance coverage to legally and safely operate their vehicles on California roads.
