Car insurance is a legal requirement for all drivers in California, demonstrating financial responsibility. However, the cost of standard car insurance can be a significant burden, especially for income-eligible individuals. This is where auto relief programs, like the California Low Cost Automobile (CLCA) Insurance Program, step in to provide affordable solutions.
What is the California Low Cost Automobile (CLCA) Insurance Program?
Established in 1999, the CLCA program is a state-initiated solution designed to offer liability insurance at reduced rates to eligible low-income drivers. This program, governed by California Insurance Code Section 11629.7, aims to ensure that more Californians can meet the state’s financial responsibility laws without facing prohibitive insurance costs. By making insurance more accessible, CLCA helps protect not only the insured drivers but also their families, friends, and everyone else on the road.
Who Can Benefit from this Auto Relief Program?
The CLCA program is specifically for California residents who meet certain income requirements. Historically, eligibility also required a continuous three-year driving license. However, a significant update came with Senate Bill 1273, effective January 1, 2015. This law made the program more accessible by creating an exception to the three-year continuous license rule, allowing drivers with less than three years of verifiable driving experience to participate. Furthermore, SB 1273 increased the allowable vehicle value for the program from $20,000 to $25,000, broadening the range of vehicles that can be insured under CLCA.
Key Resources and Contact Information
For consumers interested in exploring the California Low Cost Automobile Insurance Program and checking their eligibility, the official website www.mylowcostauto.com is the primary resource. This website provides detailed information about the program and helps individuals locate certified agents in their local areas. You can also call 1-866-602-8861 for direct assistance.
Insurance agents and brokers seeking more in-depth information about the CLCA program can visit the Automobile Insurance Plan Service Office (AIPSO) website at www.aipso.com/PlanSites/CaliforniaLowCost.aspx.
Community Engagement and Further Assistance
The California Department of Insurance actively promotes the CLCA program and offers expert speakers for community events. If you are interested in having a CLCA expert speak at your event or have any questions about the program, the Department encourages you to reach out to their Community Relations and Outreach Branch (CROB). They can be contacted at:
Community Relations and Outreach Branch (CROB)
300 S. Spring Street, South Tower
Los Angeles, CA 90013
Toll free (877) 401-9550
Send us an e-mail
The California Low Cost Automobile Insurance Program is a vital service provided by the California Department of Insurance and administered by the California Automobile Assigned Risk Plan (CAARP), dedicated to making car insurance affordable and accessible for eligible Californians.
