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This article from Insurance Journal describes California's Low Cost Auto Program and the eligibility requirements.  But not everyone meets the criteria.     

The eligibility requirements for the California Low Cost Auto (CLCA) program include:

  • An applicant must be a “good driver” – no more than one at-fault, property damage-only accident or one point for a moving violation in the past three years;
  • No at-fault accident involving bodily injury or death in the past three years and no felony or misdemeanor conviction for a violation of the Vehicle Code;
  •  Family meets income eligibility limits of $27,225 for a single person, $36,775 for two persons and $55, 875 for a family of four;
  • The value of an insured vehicle must not exceed $20,000.

Representatives from California’s  Department of Insurance and notebook computer maker ASUS Computer International have been visiting community colleges to introduce students to the state’s California Low Cost Automobile Insurance Program (CLCA).

In today’s economy, all Californians – especially students – are looking to save money. The CLCA program provides affordable liability-only auto insurance that meets the state’s financial responsibility laws for less than $400 a year.

“The CLCA is a great resource for many Californians, but it can be especially helpful for college students,” said Deputy Commissioner Chris Shultz. “For as little as $26 a month, students can get liability insurance through the CLCA program – satisfying California’s insurance requirements.”

The CDI said it recognizes that many students shop for bargains online, which is why it and ASUS  representatives recently visited American River College in Sacramento to introduce the CLCA program and demonstrate the ease of applying to the program online.

The American River College visit was the second in the Insurance Department’s series of ollege events, with a third to follow next month at a community college in San Diego.

“Every day, more than a million uninsured drivers hit the roads in California,” Shultz said. “The bottom line is that driving without insurance is illegal. The California Department of Insurance encourages all Californians to find out if they qualify.”

Note:  This coverage is very basic and does not provide comprehensive or collision protection.  Cliff Cottam Insurance represent insurance companies such as Mercury Insurance that are very competitive (particularly for students with good grades).  If you would like to compare rates, contact us for a free Auto Quote today!

Posted 11:11 PM  View Comments

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