Cheap Auto Insurance California For Low Income Family
Reader’s question:
Is there a low cost car insurance for low income families in the state of California?
Jaybee
Yes.
It si called the Low Cost Automobile Program.To be qualified for this program, you, the applicant must be:
1. living in the eligible county (LA, San Francisco, Alameda Fresno, Orange, Riverside, San Bernardino and San Diego)
2. have financial needs
3.must show as a good driver (no more than 1 at-fault accident and no at fault accident involving injury or death within the last three years and no violation of misdemeanor of the vehicle code)
This program is limited to families with an income that do not exceed 250% of the federal poverty level ($24500 for one person, $33000 for 2 persons and $50000 for a family of four) . The value of the vehicle that will be insured should not be more than $20000.The minimum liability limit for this program is 10/20/3. Although this is less than the mandatory state limit, this will still satisfy the financial responsibility law.
This does not cover the physical damage coverage but you have the option for other coverage like medical payments. This insurance may cost you $268 a year without other optional coverage but this may differ in different county.
Goodluck!
MariCAR
California State Liability Auto Insurance Coverage?
Reader’s question:
Can I register my car in California but still keep my insurance policy in Las Vegas, Nevada?
Ria
Good question.
The Department of Motor Vehicle states that your car insurance needs to meet the minimum liability requirement by the state of California and it should be issued by the insurance company licensed to do business in the state of California.
The minimum insurance required in California is 15/30/5. This means $15000 for the injury or death per person, $30000 per injury or death to more than one person and $5000 for property damage coverage.
Nevada has a different minimum requirement from CA. The basic coverage in the state of Nevada is 15/30/10. This means that the bodily injury coverage is $15000 per injured person up to the total of $3000 per accident and the property damage liability has the minimum limit of $1000.
Your insurance company is required to report or inform the California Department of Motor Vehicles the insurance information for of all private use vehicle liability policy. Most insurers will not insure vehicles if you move to out of state.
On the other hand, if your insurance company is licensed to do business in the state of California, you can contact your insurance provider on how to go about changing your Nevada insurance policy to California car insurance policy so you may be able to register it in the state of California. It is best to contact the California Department of Motor Vehicles to get more information of getting California car insurance and requirements for vehicle registration.
Goodluck!
MariCAR
Who Has The Cheapest California Car Insurance?
Reader’s question:
Is the car insurance cheaper in California than New Jersey? What is the insurance policy and the point system in California?
Peter
It actually depends on different factors if you can get cheaper rates in California than in new jersey. But usually the California insurance is cheaper than in New Jersey.
The average insurance premiums for a California vehicle owners in 2003 was $950 while in new jersey it was $1,365. The national average on that year was $914.
Both states set at 15/30/5. The new jersey sate requires $15000 worth of personal injury insurance (pip) while it is optional in California.
California proposition 103 established guidelines in which your auto insurance rates will be determined.
Here are the primary factors:
1. the driver’s driving safety records
2. the number of miles driven annually
3. years of driving experience.
There are actually 16 secondary rating factors to determine your insurance rates and can calculate your individual premium depending on the insurance company’s filing with the California department of insurance.
Marital status, claims history, geographic area of where car, type of the vehicle are just some of the secondary factors that affects your premiums. Your driving records is a factor considered to determine your insurance rate and it is not an insurance eligibility points assigned like there are in NJ.
Goodluck!
MariCAR
Low Cost California Auto Insurance Rate Quotes
I was speaking with a friend the other day about the dwindling prospect of low cost California auto insurance. Said friend has recently graduated from college, and has never been on anything but his parent’s car insurance policy. They paid all of the premiums throughout high school and college, and now that the onus is finally on him, he’s finding it a little to heavy to handle. But, knowing that it is illegal to drive uninsured in the state of California, he’s cut the staples and dealt with it, for the sake of his driver’s license. However, with his low recent college graduate income and a kid on the way, he might not be able to keep up with it for long.
What he doesn’t know (don’t worry, I’ll tell him), is that low cost California auto insurance is within his reach. The state of California, after all, had to come up with some way to combat the fact that there are around three million people without car insurance on their roads, and many reasons for this. A sizable portion of the population of California can’t insure themselves simply because they don’t have the money. But the low cost California auto insurance program takes a big step towards eliminating uninsured drivers by offering low cost California auto insurance coverage to good drivers who don’t make enough money to insure themselves.
This is not a taxpayer paid program, either. These very affordable rates are the way they are because car insurance companies can afford to make them so on their own. These rates cover the risk of these good drivers. The program is run by the same department that runs California’s assigned risk pool.
At the moment, forty two counties in California offer this low cost California auto insurance program, and the state department of insurance is considering sixteen more counties, which will probably be part of the program by the end of the year, by November at the soonest. To find out more about the low cost California auto insurance program, you can call 1-866-602-8861.
Cheap California Car Insurance – Will The Government Help Pay For It?
Reader question:
I know there is a program for cheap California car insurance, but how do I know if I’m eligible?
Marty
Excellent question, Marty.
In my last blog post, I introduced the program for cheap California car insurance that is helping decimate the population of California that is driving uninsured on Californian roads–a total of three million people currently, but the number is shrinking. The cheap California car insurance program was designed to help good drivers who have a low income be able to afford car insurance in this state where the prices are getting increasingly higher and higher.
There are several requirements that you must meet to be able to get your car insured through the cheap California car insurance program, and the first involves your age and the number of years you have been driving. You have to have had your license for at least three years, and you have to be at least nineteen at the time of application.
Next we have the obvious, which is the low income requirement. In order to get the cheap California car insurance program, you have to meet the low income eligibilities. In terms of whether or not your income is low enough, here are the numbers:
- Just you, you have to make $25,525 or less
- You + one more, combined income of $34,225 or less
- Three people, $42,995 or less
- Four, $51,625
- Five, $60,325
- Six, $69,025
- Seven, $77,725
- Eight, $86,425
These numbers are for incomes that are 250% of the national poverty level or less. In order to count someone as part of the number of people in your household, they have to be related to you. That means adopted kids, biological kids, grandparents, spouses, foster kids even, are okay, but your roomie is not.
The next requirement is that you be a good driver. In order to be considered a good driver, you can only have gotten into one car insurance accident involving property damage that was your fault, no more. Injuries? You’re out. You also can’t have more than one point in California’s moving violation point system for the last three years, nor can you have had any vehicle related felonies or misdemeanors on your record.
There are a couple more requirements, one being that you can’t have a car that values at more than twenty thousand dollars. A new car is okay, so long as it values less than that. Also, if you’re in college, you can’t be claimed as a dependent by your parents still. And if you want to get the cheap California car insurance for a car in your household, you have to use it for all vehicles in your household. You can’t have one on the cheap California car insurance program and another with Allstate.
Hopefully this information will help you get insured and get out on the road. Remember that whenever you find that you can’t afford your car insurance, you should try every path possible for you before admitting defeat. Car insurance accidents involving people without insurance are a big cause in the raising of car insurance rates, and if you got into an accident without insurance the costs of the lawsuit could set you back financially for years to come. Stay safe, and stay insured with the cheap California car insurance program.
Cheers,
Fashun Guadarrama.
I Need Auto Insurance in California – Cheap!
Reader question:
What is way to get auto insurance in California other than getting it from a car insurance company?
Megan
Thanks for asking, Megan.
Getting your auto insurance in California with a licensed car insurance company or through some other Californian state auto insurance program are most certainly the easiest ways to get car insurance coverage in California, and most people wouldn’t have the money to do it any other way. However, California car insurance law does allow for more than one way, and one of the other ways is to get a surety bond. You can get this from a company that is licensed by the state, just as if you were getting your auto insurance in California from an actual insurance company.
These surety bonds are usually purchased by people who own a small business, not normally by those that are insuring a private car. Another option for small business owners is group commercial car insurance. Auto insurance in California law allows a surety bond to be purchased for at the least $35,000. This is equivalent to the minimum liability coverage, so if you want to have more coverage then you should purchase a larger bond.
Another way to get auto insurance in California without having to go through a car insurance company is to simply deposit the $35,000 minimum coverage with the department of motor vehicles for the state. Or, as another way, you could go the self insurance route. In order to do this you have to get a certificate from the department of motor vehicles showing that you are self insured. Remember, though, that whatever kind of insurance you get, you still have to be able to show proof of it when you are pulled over by a police officer or you get into a car accident. Proof can be your car insurance card, or your certificate of self insurance, your surety bond, whatever, so long as it is accepted proof by the department of motor vehicles.
Cheers,
Fashun Guadarrama.
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