The primary goal of the California Low Cost Automobile Insurance Program (CLCA) is to provide an affordable auto insurance option to low-income good drivers. California Law requires that all drivers be insured. However, too many low-income drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach.

The California Low Cost Automobile Insurance Program provides affordable liability only auto insurance that meets the states financial responsibility laws. The program is administered by the California Automobile Assigned Risk Plan and policies are written by California Licensed Insurance Companies.

One of the best ways to learn more about getting California Low cost car insurance is to go Online and request free online quotes. After you complete their short form, you get several low auto insurance quotes instantly. Then you can compare plans and visit their websites for more detailed information.

Its often difficult for most under-25s to get California Low cost car insurance rates. The simple reason is that drivers under 25 years of age are statistically high risks in auto insurance. The younger a driver is, the more difficult it is for the to get low cost auto insurance unless they know a few thing.

To be eligible for the California Low Cost Automobile Insurance Program you must meet the following requirements:

1.Be able to meet low-income requirements (1 person = $26,000, 2 persons = $35,000, 4 persons = $53,000, 8 persons = $89,000)

2.Meet the good driver standard (no more than one at-fault property damage only accident or more than one point for moving violation in the past three years)

3.Applicant has not had an at fault accident involving bodily injury or death in the past 3 years.

4.Be at least 19 years old

5.Have been continuously licensed to drive for the past three years

6.Have a vehicle currently valued for $20,000 or less.

7.Installment plans are available for as little as 15%, with the balance payable in up to six payments.

8.Optional Uninsured Motorists and Medical Payments coverage are also available; for more information about these coverage call 1-866-60-Auto-1.

9.A 25% Surcharge is added to the base rate for unmarried, male drivers ages 19-24.

The state of California follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state. California does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.