Cheap California Auto Insurance Rates And The Clca

California auto insurance companies are now able to offer a little assistance to licensed motorists who sport both good driving records and a low income. California's Low Cost Automobile Insurance Program (CLCA) was established to provide low wage-earners with an alternative to driving without insurance. By state law, all licensed California motorists must carry adequate insurance coverage. The problem is the fact that many drivers discovered they're unable to afford even the law's minimum amount of mandated coverage.

Liability-Only Coverage

Under such a plan, coverage is restricted to liability only and is dispensed exclusively by California's Automobile Assigned Risk Plan. Policies are underwritten by those insurers licensed to render insurance products within the state.

Each California county establishes its premiums on a yearly basis. Those rates paid by coverage participants are intended to handle losses and expenditures to the program on a county-by-county basis. Payment plans are offered to make coverage payments somewhat easier or more manageable. Single male motor vehicle operators licensed to dive in the Golden State are subject to a twenty-five percent premium surcharge.

How to qualify for CLCA:

Income prerequisites for CLCA are as follows:

- Single Person Earning $26,000 or less annually

- Two-Person Family Earning $35,000 or less annually

- Family of Four Earning $53,000 or less annually

- Family of Eight Earning $89,000 or less annually

The following considerations are also factors:

- Zero at fault accidents during the prior three years that resulted in either bodily injuries or a fatality

- Must be at least nineteen years old

- Vehicle must be valued at $20,000 or less

- Cannot have lost license during the prior three years

California insurance companies offer the CLCA program for the sole purpose of helping good drivers afford insurance coverage. For motorists who find it difficult to obtain required coverage, this program is a good option.

About the Author:
Eric Weeks, a former 15 year financial planning veteran, is one of the internet's leading experts on cheap California auto insurance and discount auto insurance since 1989. Visit these links to learn how you can get the best deal on California auto insurance.

Article Originally Published On: http://www.articlesnatch.com

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