I Can’t Get Car Insurance In California
Reader question:
No California car insurance company wants me. What do I do?
Jackie
Great question, Jackie.
There are plenty of factors that can contribute to you being unable to find a California car insurance company to insure you. Perhaps you have a drunk driving conviction, or you own a high performance vehicle, or maybe you have a lot of speeding tickets on your driving record. If you have a DUI or speeding tickets, then you might be able to get them off of your record by taking a defensive driving class. Ask to see if this option is available for you.
However, if you are not able to get a car insurance company to sell you a policy in the meanwhile, then you need to get into action and find one that will. First of all, leave the regular car insurance companies alone and try looking for one that specializes in selling policies to high risk drivers. One well known company that does this is Progressive. Remember that your premiums will be more expensive.
If that doesn’t work out for you, then you might have to consider joining the California Automobile Assigned Risk Plan. Also called the assigned risk pool, it is essentially a pool of drivers that drivers who have trouble getting insured will join, and then the state will assign a company to them which will sell them a policy.
Every insurance company participates in this program, because they have no choice. A car insurance company gets more assigned risk policies the more regular policies that it sells. Normally, you will be on CAARP for around three years. After that, you will be able to get insured through a regular CA car insurance company.
Cheers,
Fashun Guadarrama.
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