Helpful agents are standing by: (213) 290-9179
Press play below to listen to our audio commercial:

Frequently Asked Questions about Getting California Low Cost Auto Insurance

What is CLCA?

California’s Low Cost Auto Insurance was started in 1999 in order to help and support those who don’t have enough income to pay for the regular insurance programs. But this also requires the person to clear certain criteria and have a nice driving history.

 Am I eligible to get this auto insurance in California?

In order to be eligible for the CLCA, you must have a good driving record. Apart from that you need to have a vehicle of value amounting to less than twenty thousand dollars, that too without any loans. You must be at least 19 years of age and have been continuously licensed to drive a vehicle in California for the last three years. The last requirement is that of income which has a maximum value and depends on the size of your family as under:

Maximum of income

No of members: 1 – $27,925

2 – $37,825

3 – $47,725

4 – $57,625

6 – $67,525

7 -$77,425

8 – $87,325

9 – $97,225

I just found out that I’m eligible. What do I need to apply?

You just need your driving license, current vehicle registration, the initial fee required and finally a proof of your income. The last document can be one of several options including a copy of your income tax return, an employer verification card, a social security letter, a payroll stub, a 1099 form, a bank statement, a pension letter etc.

Can I have multiple CLCA policies?

You can have at most two policies, one for each of the two vehicles you own. Each policy applies to the primary driver and eligible secondary drivers. There is a restriction though. Multiple policies are not allowed if any of the households have non-CLCA insurance for their vehicle.

What is the basic liability coverage given by the CLCA?

In case an accident is caused by you, liability is used to cover the damage that you did to the other person in the form of bodily injuries or damage to property.

Under the CLCA, you’ll get an coverage of up to ten thousand dollars in case of injury of one person; twenty thousand dollars in case of injury to more than one person, and up to three thousand dollars for damage caused by you to his property.

Does CLCA provide any other coverage options?

Yes, two other coverage options are provided under CLCA, these are: Uninsured Motorist- Bodily Injury and Medical payments.

What is the coverage under Uninsured Motorist – Bodily Injury?

The basic liability only covers the damage and injuries you cost to the other person. In the same way, that person’s insurance covers for the damage to your body and property. But in the worst case, that person will be uninsured. Though that person will suffer huge legal penalties and fines, you’ll have nothing to pay for your injuries and property damage. In that case what you need is to get this coverage. This will cover the expenses for you and your passenger’s injury for up to ten thousand dollars and up to twenty thousand dollars for a single accident. This option has a very wide coverage. An accident which has the insured car involved, if you were travelling in someone else’s car, and even if you were travelling on foot on the road and a vehicle hits you.

What about the Medical payments option?

This option provides one thousand dollars for each person’s injury.

What options are available for payment?

You can always pay the full annual premium, but if you are not willing to pay that there are a few alternatives available. First one is by paying one hundred twenty five dollars with the remaining to be paid within a month. Second option is to pay one hundred dollars and pay the rest in six instalments every alternate month. You can also pay one hundred twenty five dollars and pay the rest in five instalments every alternate month. Finally, you can pay fifteen percent and pay the balance in 6 instalments alternate months.

What if I’m having a Loan? Can I still get the CLCA insurance?

This is mostly not possible. But you can still check with the officials to decide if it is possible.

Am I allowed to miss any payment?

If you’re planning to become insured under the CLCA, you should make sure that you’re not going to miss any of the instalments or renewals. Failing to make the payments on time can cause you much in the form of your policy being cancelled and you’ll have to go through the whole process again. So the best choice is to pay the whole sum upfront in the form of a full annual premium. In that case you’ll have fewer deadlines to chase or forget.

What are the options regarding the payment method?

The traditional method of paying in the form of a check or money order works fine but if you’re a modern man, you can easily pay through your debit or credit card that too online, or over a phone call. The best option however is to leave all this to the bank’s automatic system, in which case you’ll never ever miss an instalment or have to remember the dates. So, just ponder and choose the method that suits you the most.

What about the damage or theft to my vehicle? Will that be covered under CLCA?

No, right now, there is no provision of such coverage under this program. However you can always talk to your agent to help you obtain such a protection.

Are there any penalties for not having auto insurance in California?

If you’re caught driving without insurance, you can face the following consequences:

–          Your car’s registration may be suspended

–          Your vehicle may be impounded

–          You can be heavily fined

California’s Low Cost Insurance is a great option for you to get the financial responsibility of your vehicle required by law without paying heavy sums.

Though the California Auto Insurance Laws makes no discrimination for teenagers, it is highly advised to have higher policy coverage than a higher one since risk of accidents is much higher in the starting years of driving.


Find out how you can get California cheap car insurance. Just enter your ZIP in the box above get all the policy quotes available for you.