Cheap Auto Insurance In California
The California Low Cost Automobile Insurance Program
There is a state-sponsored program available to help people comply with California's auto insurance requirements. Everyone who drives is legally obligated to have at least a minimum amount of coverage but many people drive without insurance simply because getting the proper coverage is too expensive. The California low cost automobile insurance program makes getting the proper coverage a lot more affordable but there are certain eligibility requirements that people must meet to take advantage of this program.
The California low cost automobile insurance program or CLCA makes the minimum amount of liability coverage required by law more affordable with prices ranging from $248 to $358 annually depending on the county you live in. For that price you will get $10,000 of bodily injury coverage per person and $20,000 of bodily injury coverage per accident as well as $3000 in property damage liability coverage. This CLCA program also allows people to get additional coverage at greatly reduced rates for anyone that would like medical payments covered or additional uninsured motorist coverage.
Some of the requirements of this CLCA program
Good driver requirement -
To meet this requirement you must have no more than one at fault property damage only accidents and you must not have more than one point for a moving violation in the past three years. You must also not have any felony or misdemeanor conviction for a violation of the vehicle code on your vehicle record.
Other eligibility requirements -
- The value of the car you are going to ensure must not exceed $20,000.
- College student applicants may not be claimed as a dependent on another person's federal and/or state income tax return.
- A policyholder may not purchase or maintain an automobile liability policy other than the CLCA policy for any vehicle in the household.
Income eligibility for this program -
This chart was taken directly from the California Department of Insurance website.
Cheap auto insurance in California for people that do not qualify for the CLCA program
What can you do if you need to find cheap auto insurance in California but you do not meet all of the above requirements? There are still a number of steps you can take to make sure you are getting the best price possible for your auto insurance. Make sure you take advantage of any auto insurance discounts that you might be eligible for.
Taking advantage of discounts is great and a quick phone call to your insurance agent is often all it takes to find several discounts that you might be eligible for. The easiest way to make sure you are getting the best price possible for your auto insurance coverage however is to compare the rates of a number of different companies and see which company is offering the coverage options you need at the best price.
One way to do this would be to click the banner below that will take you to a page where you can fill out a short form and quickly get back multiple quotes from a number of different auto insurance companies. Another way to check and compare prices from a number of different companies would be to visit a number of different auto insurance company websites directly and see what they have to offer. You can click here for a list of some of the highest rated insurance providers in California. Visit all of the sites on that list and see if you might be able to get a better rate.
