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

Low Income Earners FAQs on California Car Insurance Program

Attached to your car is your vehicle liability insurance which is strictly required in the state of California. The car insurance in CA has long been implemented since 1980s to cover the minimum liability insurance. Vehicle owners are required to show proof of financial responsibility prior using the public roads in Ca.

What is the minimum liability insurance set forth by the law?

According to the Department of Motor Vehicle (DMV), the amounts are as follows; 15/30/5. A minimum of $15,000 is set for a single person who died or was injured during the accident $30,000 for more than one and $5,000 for property damage. Alternatively, you may choose the state mandated alternative.

Obtaining car insurance is expensive, is there an alternative?

The state is sensitive to your need and as such the government has addressed the problem. They are offering the low-cost automobile insurance program. This California car insurance program was established in 1999 only for qualified persons.

What is the qualification?

According to the insurance law, the qualification is based on the total household’s gross yearly income which is less than 250% or less based on the federal poverty level.

For household size of:

•             1 person the total income should only be $27, 925.00

•             2 persons $37, 835

•             3 persons $47,725

•             4 persons $57,625

•             5 persons $67,525

•             6 persons $77,425

•             7 persons $87,325

•             8 persons $97,225

Additionally, you may call Department of Insurance web site or through their land line: 1-866-602-8861. Granting your application for the low-cost auto insurance is approved, you may be paying around $400 a year as your premium.

For vehicle owners who are not qualified, there are car insurance companies that offer new rates.

Can vehicle owners transfer to a different service car insurance company?

The answer is yes. Upon learning of the affordable rate and which you think is much practical than your existing premium, you can change your current provider sign up to a different insurance company and your new auto insurance will have to send an electronic report to the DMV of new insurance arrangement.

Stiff competition among the car insurance in Ca have led to lower premiums. If you are looking for affordable premium, type in your zip at the search box above and see all car companies in your area and request for auto insurance quote in CA.