Low Cost Car Insurance for California Drivers

April 29, 2016

Everyone wants low cost car insurance. Not everyone finds it, but California drivers have a better chance than most thanks to a law passed in California in 1999. The California Low Cost Automobile Insurance Program helps California drivers gain access to the low cost car insurance they need to safely and legally drive their vehicles.

Dream MachineWhat is the Low Cost Car Insurance Program?

Passed into law in 1999, California’s Low Cost Automobile Insurance Program was a legislative act designed to help CA drivers afford the cost of car insurance. The program helps California drivers acquire low cost car insurance if they meet specific financial criteria in addition to having a clean driving record. The definition of “clean driving record” is applied according to its use in the California Insurance Code. To ensure that drivers meet the specific criteria outlined in the state insurance code, a short eleven question survey needs to be completed before drivers can complete the application process. If approved, the program provides only the state minimum liability coverage to the insured driver. Collision and comprehensive insurance is not included, but may be purchased elsewhere. CA drivers may not purchase additional liability coverage from another source, as it would void their policy under this program.

Which CA drivers qualify for the low cost car insurance program?

The state of California has created a website devoted to the low cost car insurance program which can assist CA drivers in determining whether or not they qualify for financial assistance. The website, which can be found at mylowcostauto.com, offers a comprehensive FAQ section which specifically addresses many common questions concerning the program. The most basic requirements of the program state that California drivers insured through the program must be at least 19 years old, have a “good driving record”, and be able to provide proof of income. Further details regarding requirements for coverage are available on the site.

Additional benefits of the California Low Cost Auto Insurance Program

It’s great to find car insurance that you can afford, but it’s even better to have options with regard to payment methods. In addition to providing low cost car insurance to CA drivers, the program also offers multiple ways for drivers to pay their car insurance premium.  The program also allows drivers to pay their premiums using a wide selection of methods including money order, check, debit, or credit card. Payments can be mailed, paid over the phone, or paid online – much like any other car insurance company. Most plans require a down payment, followed by incremental payments made each month for six months.

Other ways CA drivers can get low cost car insurance

Not all CA drivers can qualify for this program, but don’t worry. Compare.com has you covered. You can get multiple quotes from top California insurance providers and compare their rates side by side so you’ll know that you’re getting the lowest car insurance rate available to you. Start saving money now and get free car insurance quotes on compare.com.

Buying auto insurance can be a confusing and disoriented process. We want to make sure that our users can make informed choices about their car insurance, selecting from as many options as possible. Read our Auto Insurance Buying Guide to educate yourself before you start a quote.

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