California law mandates that every driver must demonstrate financial responsibility, typically through car insurance. However, the cost of insurance can be a significant hurdle, especially for income-eligible individuals. The California Low Cost Automobile (CLCA) Insurance Program was established in 1999 to address this issue, offering more affordable liability insurance to those who qualify. This program, governed by California Insurance Code Section 11629.7, aims to ensure that more Californians can legally and responsibly operate vehicles.
Despite the existence of CLCA, many eligible drivers remain uninsured, primarily due to the perceived high cost of standard insurance. Understanding the available solutions is crucial for protecting yourself, your loved ones, and everyone on the road.
A significant update to the CLCA program took effect on January 1, 2015, with the passage of SB 1273. This revision broadened eligibility by relaxing the continuous licensure requirement, now allowing drivers with less than three years of driving experience to participate. Additionally, it increased the maximum vehicle value allowed under the program from $20,000 to $25,000. For detailed information about the CLCA program and its benefits, please visit www.mylowcostauto.com.
Key Resources for CLCA Information:
Connect with the Experts:
The California Department of Insurance actively engages with communities and offers CLCA experts to speak at local events. They encourage partnerships and participation in community activities to spread awareness about affordable insurance options. If you have inquiries about the CLCA program, do not hesitate to reach out.
Community Relations and Outreach Branch (CROB)
300 S. Spring Street, South Tower
Los Angeles, CA 90013
Toll free: (877) 401-9550
The California Low Cost Automobile Insurance Program is a public service initiative from the California Department of Insurance and is expertly managed by the California Automobile Assigned Risk Plan (CAARP).
Are you a Consumer looking for affordable car insurance? Visit the official California Low Cost Automobile Insurance Program website at www.mylowcostauto.com or call 1-866-602-8861 to check your eligibility and find a certified agent near you.
Are you an Insurance Agent or Broker (Producer) seeking program details? Access comprehensive information through the Automobile Insurance Plan Service Office (AIPSO) website at www.aipso.com/PlanSites/CaliforniaLowCost.aspx.
