Getting a car often involves more than just the purchase price. Insurance is a significant ongoing cost. Fortunately, there are Programs To Help You Get A Car on the road legally and affordably. California’s Low Cost Automobile Insurance Program (CLCA) is one such initiative aimed at providing low-income drivers with access to affordable car insurance.
California law mandates that all drivers carry proof of financial responsibility, typically through auto insurance. The CLCA, established in 1999 under California Insurance Code Section 11629.7, offers a solution for eligible individuals by providing liability coverage at reduced rates. This program helps drivers meet legal requirements without breaking the bank.
Many eligible Californians remain uninsured due to the high cost of standard premiums. CLCA seeks to bridge this gap, offering a financial safety net for drivers and protecting everyone on the road.
Eligibility Requirements for California’s Low-Cost Auto Insurance
A significant change came into effect on January 1, 2015, with the passing of SB 1273. This law broadened eligibility for the CLCA. Previously, applicants needed three years of continuous driving experience. This requirement has been relaxed, allowing drivers with less than three years of verifiable experience to participate. Additionally, the maximum vehicle value covered under the program increased from $20,000 to $25,000. This expansion makes the program accessible to a wider range of drivers.
Finding More Information on Low-Cost Auto Insurance Programs
For a comprehensive overview of the CLCA, including eligibility requirements and application details, visit the official website: www.mylowcostauto.com.
Consumers can also call 1-866-602-8861 to determine eligibility and find a certified agent locally. Insurance agents and brokers can access further information through the Automobile Insurance Plan Service Office (AIPSO) website: www.aipso.com/PlanSites/CaliforniaLowCost.aspx.
Connecting with the California Department of Insurance
The California Department of Insurance (CDI) actively promotes the CLCA program and encourages community engagement. The CDI welcomes opportunities to provide speakers for local events and collaborate with community organizations.
For questions or partnership inquiries, contact the Community Relations and Outreach Branch (CROB):
- Address: 300 S. Spring Street, South Tower, Los Angeles, CA 90013
- Toll-free: (877) 401-9550
- Email: [email protected]
The CLCA is a collaborative effort between the CDI and the California Automobile Assigned Risk Plan (CAARP), which administers the program. The program represents a significant step toward ensuring all Californians have access to affordable and essential auto insurance.
