Auto insurance CA

Auto insurance CA

Need auto insurance, but also need to eat? Serving San Mateo and San Francisco Counties, All Star Insurance can find you a policy that offers premium coverage with low monthly rates regardless of your driving record. Foreign license, expired license or no license at all, you can still get the insurance you need at a price you'll like.

What Low Income California Drivers Need to Know About the California Low Cost Auto Insurance Program Rising unemployment rates and the exorbitant cost of gas have left hundreds struggling to come up with the fund they need to keep their car properly insured. That's why over 15% of drivers on the highways today are driving uninsured, 3 million plus in California alone. In an effort to stem the rising tide of uninsured drivers California has implemented an insurance program designed especially for low income drivers known as the California Low Cost Auto Insurance Program. Unlike regular insurance programs, which are designed to work on a fixed rate premium depending on your circumstances, the California Low Cost Auto Insurance Program (CLCA) works on a sliding scale determined by your income. Drivers that meet the definition of financial need established by the governing authority can aply to be admitted into the program and enjoy the benefits of a low cost insurance policy designed especially to meet their needs. This isn't one of those low cost insurance programs designed to persecute the middle class just because they happen to make enough money to keep food on the table and pay their rent on a semi-regular basis. Instead, the program is designed to accommodate the bottom edge of the middle class, with a family of four being permitted to have a combined income of up to $50,000-considerably higher than the state poverty level. With an income level this high the hope is that every driver will take the initiative and apply for the California Low Cost Auto Insurance Program rather than choosing to continue to drive uninsured. Because California has a mandatory liability requirement for its drivers the CLCA only offers liability coverage as part of its low cost insurance plan. Included in the plan is: • $10,000 Bodily Injury Liability per person. • $20,000 Bodily Injury per accident. • $3,000 Property Damage per accident. As you've probably already noticed, this is significantly less than California's minimum liability requirements for drivers. State officials are willing to make a trade off in exchange for dramatically reducing the number of drivers they have out there driving uninsured. Auto insurance companies have no choice about offering this low cost insurance to their clientele, but they reserve the right to keep their coverage levels low to encourage drivers that can afford it to seek regular coverage. Collision and comprehensive are not included as part of the California Low Cost Auto Insurance Program. You can, however, purchase them separately from your insurance carrier without affecting your eligibility for the program. Most companies do offer you the chance to purchase additional medical coverage and uninsured motorist at a low cost through the program to protect yourself from the people out there who weren't as quick to pick up on this great deal as you were. The California Low Cost Auto Insurance Program is an ideal solution for low income drivers who don't want to have to sacrifice their auto insurance coverage to keep dinner on the table. If you're struggling to pay your premiums but don't want to join the ranks of the uninsured contact the CLCA as soon as possible. Cliff Berman is the CEO of QuoteScout.com. For more information about your auto insurance visit them on the web at http://www.QuoteScout.com. Southern California Auto Insurance to Cover Your Vehicle If you're a resident of the state of California and live in the Southern half of the state, it is mandatory that you have Southern California auto insurance. Uninsured drivers are not tolerated in the state and will have their driver's license suspended as well as face penalties including having their vehicle impounded if they are found to be driving a motor vehicle without insurance. If you are operating a vehicle in the state of California and do not posses valid, current auto insurance, you need to take care of it, immediately. The quickest way to find out about Southern California car insurance is to get online. Visit your favorite search engine today and run a query on California auto insurance. You'll find a list of all of the approved, California state auto insurance providers. You can look for a variety of information on the websites of these companies. You'll find everything from price to policy information on these sites. The first thing that you need to do is consider what sort of coverage you need for yourself and your vehicle. The state has requirements for what any driver must have on their vehicle. Become familiar with this information and then work your way up from there. Having the minimum required coverage will take care of your responsibility with the state but it may not be very helpful, otherwise. When you want to find out what kinds of policies are available, it is quicker and easier for you to compare and shop online. All auto insurance companies are required to divulge all information regarding their coverage. There are several kinds of coverage that are included in every auto insurance policy. It is very important to elect to have medical coverage when you buy a new auto insurance policy. This portion of your car insurance policy will cover any medical bills that are sustained from any accident that you may be involved in. This will cover you and the other people involved in the accident. This coverage is very important. You must have liability as part of any auto insurance policy that you elect to have, in the state of California. This includes physical injuries that are caused by you in an auto accident as well as covering the expenses of fixing the other person's vehicle when you cause damage in an accident. With PIP coverage, or personal injury protection, you will have your medical expenses paid and taken care of, no matter who was at fault in the accident. This is good coverage to have as not everyone has coverage that will take care of your expenses if they cause the accident. There are also optional coverage clauses for uninsured or underinsured motorist expenses. These cover the costs that you incur if the person who you had an accident with does not have any or good enough coverage to take care of your costs and losses. When you are looking for Southern California auto insurance, make sure that you weigh all of your options before choosing your policy coverage. It's too late once an accident has occurred. Comprehensive guide on how to get Southern California auto insurance to cover your vehicle and compare Florida auto insurance with the click of a button.