California's low cost auto insurance program

In an attempt to make sure everyone has and can afford car insurance, law functionary in Golden State have launched a new Low Cost Auto Insurance program for low income residents. This programme will help eliminate the amount of uninsured drivers on the road, while reduction the financial burden many auto insurance companies and insured person drivers have been feeling due to the large amount of uninsured motorists on the road.

"By law, Golden State residents are required to carry a lower limit of $15,000 per individual for bodily injury liability coverage, $30,000 per incident and $5,000 for place damage. Reasonable insurance bounds, but ones that are often accompanied with higher auto insurance rates - causation a financial strain upon many occupant that do not have the means to pay for auto insurance," stated David Roush, CEO of Insurance.com. "By peal out this plan, Golden State is portion to make auto insurance affordable and obtainable for all drivers, no substance what their income level is." presently, California's new Low Cost Auto Insurance program offering a slimmed down version of their electric current plan, allowing qualified drivers to carry $10,000 per individual for bodily injury liability coverage, $20,000 per incident and $3,000 for place damage.

Who is eligible for this plan?
In order to qualify for this reduced cost car insurance plan, the occupant must be a driver in good standing, reside in one of the approved counties, their family's gross annual income must be 250% or less than the Federal soldier poverty level and the value of their car cannot exceed $20,000. To view a detailed listing of the Federal soldier poverty income levels and the modification income degree visit the AIPSO's website.

What precisely is a driver in "good standing"?
In order to qualify as a "good standing driver", motorists must meet the followers criteria:

• Be at least 19 years old and have been driving for at least three consecutive years
• Have no vehicle code felony or misdemeanor convictions on their driving record
• Have no record of a fault accident involving bodily injury or death in the past three years
• Have no more than one property-damage-only insurance claim in which they were at fault or one point for a moving violation within the last three years
• Is not a college student claimed as a dependent for federal or state income tax purposes
• Cannot have an in-force liability insurance policy for another vehicle
• Must demonstrate they have been continuously licensed for 18 months in the U.S. Or Canada, if previously licensed in another country

Eligible counties
In order to take advantage of California's car insurance program, qualifying residents must reside in the following counties:

Alameda
Fresno
Los Angeles
Orange
Riverside
San Bernardino
San Francisco
San Diego

Cost
The cost of the program varies from driver to driver depending on where they live and if the driver elects to add Medical Payments Coverage and Uninsured Motorist Bodily Injury coverage to their policy. To get a rough estimate of how much you would have to pay under this new plan, see the AIPSO's chart below.