I Need to Find Car Insurance Company In California
Reader’s Question:
I live in California and I just want to know what I should do if I cant find an insurance company that will insure me?
Thyme
Good Question, Thyme.
Some of the insurance companies specialize for the high risk drivers. This what we call the non standard market. If you plan to purchase in the non standard markets, make sure you shop around first because the requirements and eligibility are different from these insurance companies.
If you still cant find an insurance company that will insure you, you can get liability coverage from the California Automobile Assigned Risk Plan. (CAARP). This plan is for those who are unable to find an insurance company from the non standard markets and for those who do not qualify as a good driver.
Heres how the plan works. Your application will be assigned to an insurance company. All insurance companies are required to accept all applicants of CAARP. The rates for the plan are all the same regardless of which insurance company that issues the policy. This plan is also available in installment. If you maintain a clean driving record for three years, you may be able to move to a standard line insurance company.
You may check with the certified insurance agent of CAARP to find out more information on how to apply for the insurance with this plan.
Goodluck!
MariCAR
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.
Who Offers Cheap Southern California Auto Insurance?
After I wrote a few blog posts ago about the cheap southern California auto insurance program, I got some feedback from a couple of readers who were complaining about the fact that they would not qualify for the program because they were ‘bad drivers’, and yet at the same time they could not afford to get a southern Califronia auto insurance policy. So, in the end, they were just stuck in the middle. There was a program out there for low income drivers, but they couldn’t take advantage of it, and the program for high risk drivers was too expensive.
Well, the first thing that I want to suggest to them in this post is that they thoroughly read this site to see if they can’t, applying all of the other discounts and ways to get a better price on southern California auto insurance, find a way to afford their car insurance coverage.
If that doesn’t work, though, and you absolutely have no choice whatsoever other than to drive uninsured, I’d like to suggest a bit of activism. Contact your state legislature.
For some people, that seems a little extreme, but think about it. These people are the ones that made the southern California auto insurance laws in the first place. If there are people who cannot follow those laws, and not for lack of trying, then they should do something about it. After all, car insurance laws are not the same kind of law as no theft, which requires no effort whatsoever. Many people who live below the poverty level, and even many who live above it and right on, find that they cannot perform this required payout.
This is how programs like the low cost southern California auto insurance program come about. If you really want an option for low income, high risk drivers and you can’t do it the usual way, then you need to bring your legislators’ attention to it. It’s in their best interest to decrease the amount of uninsured drivers on the road, so it couldn’t hurt to try.
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