Driving legally in California requires proof of financial responsibility, and for most drivers, this means car insurance. However, the cost of car insurance can be a significant burden, especially for those with limited incomes. The California Low Cost Automobile (CLCA) Insurance Program was established to help income-eligible individuals obtain affordable liability insurance to meet the state’s requirements. If you’re struggling to find Cheap Insurance Car options in California, understanding the CLCA program could be your solution.
What is the California Low Cost Automobile (CLCA) Insurance Program?
Created in 1999 by the California Legislature (pursuant to California Insurance Code Section 11629.7), the CLCA program aims to make basic car insurance accessible to those who qualify based on income. The program recognizes that many eligible drivers remain uninsured simply because standard insurance premiums are financially out of reach. This not only puts these drivers at risk but also impacts overall road safety and financial responsibility across California. The CLCA program offers a pathway to legal compliance and peace of mind through more affordable rates.
A significant update to the program came with Senate Bill 1273, effective January 1, 2015. This law broadened access to the CLCA program by making two key changes. Firstly, it relaxed the continuous licensure requirement, allowing drivers with less than three years of verifiable driving experience to participate. Secondly, it increased the maximum vehicle value eligible for the program from $20,000 to $25,000. These changes made the program accessible to even more Californians in need of cheap insurance car options.
Is the CLCA Program Right for You?
If you are an income-eligible California driver finding it difficult to afford standard car insurance, the CLCA program is definitely worth exploring. It’s designed to provide a safety net, ensuring you can meet your legal obligations without breaking the bank. To determine if you qualify 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 through the Automobile Insurance Plan Service Office (AIPSO) at www.aipso.com/PlanSites/CaliforniaLowCost.aspx.
Connect with the CLCA Program
The California Department of Insurance actively promotes the CLCA program and offers expert speakers for community events. If you’re interested in partnering with them or have questions about the program, reach out to the Community Relations and Outreach Branch (CROB) at:
Community Relations and Outreach Branch (CROB)
300 S. Spring Street, South Tower
Los Angeles, CA 90013
Toll free (877) 401-9550
You can also send inquiries via email to crb@insurance.ca.gov.
The California Low Cost Automobile Insurance Program is a valuable resource provided by the California Department of Insurance and administered by the California Automobile Assigned Risk Plan (CAARP). It’s a program dedicated to helping eligible Californians find the cheap insurance car coverage they need to drive legally and responsibly.
