for C.P.A. 2018 Webpages
for Casa Pacificans only, not for Public
| (other local transportation methods for
CPA see webpage "transportation"..)
TO BE ELIGIBLE FOR THE CALIFORNIA’S LOW COST AUTO INSURANCE PROGRAM (CLCA), YOU MUST:
1. HAVE A VALID CALIFORNIA DRIVER’S LICENSEMEET
2. INCOME ELIGIBILITY GUIDELINES
3. OWN A VEHICLE VALUED AT $25,000 OR LESS
4. BE AT LEAST 16 YEARS OLD
|**. WHAT ARE THE
To be eligible for the California’s Low Cost Auto Insurance Program, or CLCA, consumers must:
Have a valid California driver’s license
Own a vehicle valued at $25,000 or less
Meet income eligibility guidelines
Be at least 16 years of age
(See News for age requirement changes)
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WHAT ARE THE INCOME REQUIREMENTS?
Income eligibility requirements per household effective February 2018 are:
1 person - $30,350.00
2 people - $41,150.00
3 people - $51,950.00
4 people - $62,750.00
5 people - $73,550.00
A “household” is defined as all persons listed on a federal or state income tax form.
|DO I HAVE TO PROVE MY INCOME TO APPLY?
Yes. The program will accept any one of the following documents as proof of household income:
CalFresh (food stamps)
Bill showing discount from phone company
LIHEAP Low Income Home Energy Assistance
Bill showing discount from utility company
Medi-Cal / Medicaid
California Employment Development Department (EDD)
Debit card or benefit letter
SSI / Social Security Income (age, blind, disabled)
Recent bank statement as proof of deposit
Social Security or Pension
Letter from administration
*social security number or TIN accepted
Copy of federal or state income tax return for last year
W-2 or 1099 form
Payroll stub or employer verification letter
|WHAT COVERAGE DOES CALIFORNIA LOW COST AUTOMOBILE
INSURANCE POLICY PROVIDE?
The program provides affordable, liability only auto insurance that meets the state’s financial responsibility laws.
Basic Liability Policy limits are:
$10,000 bodily injury or death per person
$20,000 bodily injury or death per accident
$3,000 property damage liability per accident
For an additional charge of $39-$104 per year, consumers can add:
$1,000 medical payments per person
$10,000 uninsured motorist bodily injury per person
$20,000 uninsured motorist bodily injury per accident
The program does not offer comprehensive or collision coverage (coverage that will repair the driver’s own vehicle after an accident) but this coverage can be purchased from an insurance agent.
WHAT ARE THE COSTS FOR A CLCA POLICY?
The annual premiums in California vary by county, ranging from $247 to $686. There are discounts if the consumer has been a licensed driver for 3 years with a good driving record.
A good driving record is defined as:
No more than one at-fault property damage only accident or no more than one point for a moving violation within the past three years
No at-fault accidents involving bodily injury or death on a driving record within the previous three years
No felony or misdemeanor convictions for a violation of the Vehicle Code on a motor vehicle driving record
To check the rates by county or calculate a payment* schedule, click here to access the rate calculator.
*CLCA offers two payment options:
Payment in full OR
20% down with 7 installment payments (For each installment payment there will be a $4.00 transaction fee.)
HOW DO YOU APPLY FOR THE PROGRAM?
To apply for California’s Low Cost Auto Insurance Program, follow these 2 steps:
Complete the eligibility questionnaire,
Then complete the application process
Now 100% online
OR meet with a local agent at no cost
Please visit mylowcostauto.com and click the Get Started button.
If you do not have internet access or need additional assistance, please call 1-866-602-8861.
HOW DO I APPLY ONLINE?
To apply online, visit mylowcostauto.com and click ‘Get Started’ to take a short eligibility questionnaire. If deemed eligible, enter your ZIP code, then click on Apply Online.
WHAT ARE THE PENALTIES FOR NOT HAVING AUTO INSURANCE?
If you are cited for not having auto insurance at the time of a moving violation or accident, there are penalties that include fines and possible vehicle registration suspension.
For more information regarding penalties for not having auto insurance, click here to access the California DMV website.
HOW MANY VEHICLES CAN BE ON THE CLCA POLICY?
Every qualified consumer is allowed up to two Low Cost policies under the program guidelines. In fact, all vehicles* registered to you as the applicant, with a max of 2, must be enrolled in CLCA.
*Motorcycles and commercial vehicles are excluded.
WHY DO ALL VEHICLES IN THE HOUSEHOLD NEED TO BE ADDED TO CLCA?
The program requires that all vehicles registered to the applicant be insured in the program. Therefore, to be eligible for one vehicle in the program, consumers may not have liability coverage through any other policy for other vehicles.
CAN I GET COVERAGE THROUGH A CLCA POLICY IF I HAVE A VEHICLE LOAN?
Yes, but you should check with your lender to determine if the coverage limits provided by the program will meet the requirements of your loan.