Financial responsibility is a legal requirement for every driver in California. To assist income-eligible individuals in meeting this obligation, the California Legislature established the California Low Cost Automobile (CLCA) Insurance Program in 1999. This program, operating under California Insurance Code Section 11629.7, aims to provide affordable liability insurance options. Despite this initiative, many eligible drivers remain uninsured due to the high costs of standard insurance. It’s crucial to explore accessible solutions that can protect you, your loved ones, and everyone on the road.
California’s Low Cost Automobile Insurance program is designed to be an answer for those struggling to afford car insurance. This initiative recognizes the importance of ensuring all drivers, regardless of income, can legally and responsibly operate a vehicle. By offering lower premiums, the CLCA program increases the likelihood of more drivers obtaining coverage, thereby enhancing overall road safety and financial protection for everyone.
Recent legislative updates, such as Senate Bill 1273 passed in 2014 and effective from January 1, 2015, have broadened the reach of the CLCA program. This update made two significant changes: it relaxed the continuous licensing requirement, allowing drivers with less than three years of driving experience to participate, and it increased the maximum vehicle value eligible for the program from $20,000 to $25,000. These changes reflect an ongoing effort to make Car Insurance Programs more accessible to a wider range of California residents. For detailed information about the CLCA program and how it can benefit you, please visit www.mylowcostauto.com.
For consumers seeking to understand their eligibility and find certified agents, the California Low Cost Automobile Insurance Program website, www.mylowcostauto.com, and the helpline at 1-866-602-8861 are valuable resources. Insurance agents and brokers looking for program details should visit the Automobile Insurance Plan Service Office (AIPSO) website at www.aipso.com/PlanSites/CaliforniaLowCost.aspx.
The California Department of Insurance actively promotes the CLCA program and offers expert speakers for community events. For partnership opportunities or any inquiries about the program, please contact the Community Relations and Outreach Branch (CROB) at 300 S. Spring Street, South Tower Los Angeles, CA 90013, or call toll-free at (877) 401-9550. You can also reach out via email at [email protected]. The California Low Cost Automobile Insurance Program is a collaborative effort by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP), further emphasizing its credibility and commitment to providing accessible car insurance programs.
