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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.

All You Need to Know About Car Insurance in CA

The law requires that everyone who owns a car should have car insurance in CA. There is no doubt that having car insurance is important for security that an individual needs when owning a car. It assists in avoiding the financial liability cost where an accident or any other event that occurs leading to the loss of the car. The increase in Car Insurance in CA was lead by the increase in the number of people who own cars in California and it is easy to find California Cheap car Insurance Companies. However, you should be careful when looking for California car insurance companies because not every cheap insurance Company offers the best services. Some companies give good offers but their services are poor and you should be aware of them.

On the other hand, you will find companies that offer expensive car Insurance in CA, and they have many requirements. Some people in California have turned to commuting to and from work because of this.  This is because each time you drive, you need to have your car insurance and because of the expensive nature of the policies offered by these companies, most of the people cannot afford them. Still if you take time to carry out your research well, you will find cheap car insurance in CA that offers affordable services and you have to shop around the internet in order to get one that is cheap and offers the best services.

Geico Company is car insurance in CA known for their cheap and quality services that anyone can afford. They have good prices for their offers and it is very easy to get their quotes because they have their own website. The Other Company is Esurance, which is low cost car insurance in CA, and you can get you policy through the steps that they will offer you online within a very short time. There process of getting a policy is very easy and you can do it at any time. There is also the AAA, which stands for the Automobile Association of America that offers good services at a cheaper price. This company also gives its customers other services such as registering their cars.

CalifoniacheapcarinsurancequoteIn California, there are laws that are set for the lowest insurance coverage requirements. The requirements are $15,000 for injury or death of another person, $30,000 in case of a single accident and many people are involved and $5,000 for damage to the property in a single accident. In California, we have the California Low Cost Automobile Insurance Program, which is meant for the low-income drivers. This was set in order to ensure that those drivers who have low income could afford the insurance policies.

In order to get the best insurance quotes you need to compare. Do your own research and have a list of those companies that offer the best quotes. Also, note the differences in each policy because you will discover there are some differences.