Driving legally in California requires every vehicle owner to maintain financial responsibility, typically through car insurance. However, for many income-eligible individuals, the cost of standard car insurance can be prohibitively expensive. This can lead to a significant number of drivers being uninsured, putting themselves and others at risk. Fortunately, California offers a solution: the California Low Cost Automobile (CLCA) Insurance Program. This program is specifically designed to provide affordable liability insurance to those who qualify, ensuring more Californians can meet the state’s financial responsibility laws.
Established in 1999 by the California Legislature, the CLCA program addresses the critical issue of uninsured drivers by offering budget-friendly insurance options. It recognizes that while car insurance is a legal necessity, it must also be financially accessible to all residents, regardless of income. The program focuses on providing essential liability coverage, which protects you and others in case of an accident you cause.
Recent updates to the CLCA program, such as the 2015 law SB 1273, have expanded its reach and benefits. This legislation made it possible for drivers with less than three years of driving experience to participate, and it increased the maximum vehicle value allowed under the program to $25,000. These changes demonstrate California’s commitment to making Affordable Car Insurance accessible to a broader range of eligible individuals.
If you are concerned about the cost of car insurance and are seeking affordable options, the CLCA program could be the answer. It provides a pathway to legal compliance and peace of mind without breaking the bank. To find out if you qualify for this valuable program and to locate a certified agent in your area, visit the official California Low Cost Automobile Insurance Program website at www.mylowcostauto.com or call 1-866-602-8861 for more information.
For insurance agents and brokers looking to assist their clients with affordable car insurance solutions, further details about the CLCA program can be found at the Automobile Insurance Plan Service Office (AIPSO) website: www.aipso.com/PlanSites/CaliforniaLowCost.aspx.
The California Department of Insurance is actively involved in community outreach and welcomes opportunities to discuss the CLCA program at local events. If you have questions or would like to partner with them to raise awareness, please contact the Community Relations and Outreach Branch (CROB) at (877) 401-9550 or send an email to [email protected]. The CLCA program is a collaborative effort between the California Department of Insurance and the California Automobile Assigned Risk Plan (CAARP), working together to make affordable car insurance a reality for eligible Californians.
