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.
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.
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