CALIFORNIA‘S LOW COST INSURANCE PROGRAM (CLCA)
California’s Low Cost Auto Insurance Program (CLCA) coverage limits are less than the mandatory basic-limits policies, but California state law provides that a CLCA policy satisfies financial responsibility laws.
The primary goal of CLCA is to provide an affordable auto insurance option to low-income good drivers. California Law requires that all drivers be insured. However, too many low-income drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach.
The California Low Cost Automobile Insurance Program provides affordable liability only auto insurance that meets the state‘s financial responsibility laws CLCA is available in Santa Clara County.
Since January 01, 2015, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000.
BASIC LIABILITY POLICY:
Bodily Injury liability per person - $10,000
Bodily Injury liability per accident - $20,000
Property Damage liability per accident - $3,000
WHO IS AVAILABLE FOR THE CALIFORNIA LOW COST AUTOMOBILE INSURANCE PROGRAM?
Low-income drivers in Santa Clara County Eligible household income may not exceed 250% of the federal poverty level.
Applicant must be at least 19 years of age or older and a continuously licensed driver for the past three years.
Applicant must qualify as a good driver:
The value of the car to be insured must not exceed $20,000.
College student-applicants may not be claimed as dependent on another person’s federal and/or State income tax return.
CONTACT INFORMATION:
TOLL FREE: 1-866-602-8861
WEBSITE: Key Word: CA Auto Insurance Program