Driving legally in California requires every vehicle owner to maintain financial responsibility, and for many, this means having car insurance. However, the cost of car insurance can be a significant burden, especially for those with limited incomes. If you’re struggling to find Affordable Liability Car Insurance in California, it’s important to know that there are resources available to help.
California’s Low Cost Automobile (CLCA) Insurance Program was specifically created to provide income-eligible individuals with access to affordable liability coverage. Established by the California Legislature in 1999, this program recognizes that the high cost of standard insurance premiums can leave many responsible drivers uninsured, which is a risk for everyone on the road.
The CLCA program offers a solution by providing liability insurance at rates that are more accessible. Liability insurance is crucial because it helps protect you financially if you are at fault in an accident, covering damages to the other party’s vehicle or injuries. Without it, you could be personally responsible for significant costs.
A key update to the CLCA program came in 2015 with Senate Bill 1273. This law expanded eligibility by making the program accessible to drivers with less than three years of verifiable driving experience and increased the maximum vehicle value to $25,000. These changes made the program even more inclusive, helping more Californians obtain the affordable liability car insurance they need to drive legally and responsibly.
To see if you qualify for California’s Low Cost Automobile Insurance Program and to find a certified agent in your area, you can visit the official program website at www.mylowcostauto.com or call 1-866-602-8861. For insurance agents and brokers seeking more information about the program, resources are available at the Automobile Insurance Plan Service Office (AIPSO) website: www.aipso.com/PlanSites/CaliforniaLowCost.aspx.
The California Department of Insurance actively promotes the CLCA program and encourages community engagement. If you’re interested in having a CLCA expert speak at a community event or have questions about the program, you can reach out to the Community Relations and Outreach Branch (CROB) at (877) 401-9550 or send an email to [email protected].
The California Low Cost Automobile Insurance Program is a valuable resource for Californians seeking affordable liability car insurance. It is a collaborative effort brought to you by the California Department of Insurance and administered by the California Automobile Assigned Risk Plan (CAARP), working together to make insurance accessible and roads safer for everyone.
