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A Guide to Being Qualified for CLCA Auto Insurance in Los Angeles

In a city like Los Angeles, where the public transport is not as developed as the one in New York, it is easy to understand the need for a car. But with the rise in prices of gasoline and other maintenance costs for cars, it becomes difficult to keep even one. People who are living on a tight budget or students with huge student loans are mostly the one opting for cheap auto insurance in Los Angeles. For this, many insurance companies are on the work to guarantee lower car insurance premiums in California.

Since physical damage coverage such as the collision and comprehensive coverage are not available to cover for the car damages during accidents or natural calamities, you are still allowed to add some additional coverage to this plan.

The insurance premium payment is quite simple. There are a number of plans that one can opt for this kind of payment. Ensure the down payment and the rest is to be paid within 30 days of issue. It could only take 15% of the annual payment with the rest to be paid in 6 bi-monthly installments. Unlike the first option, one has to pay a requisite fee for other kind of payment methods.

Even though this offer sounds lucrative, not everyone can avail it. There are certain criteria for this. He should be at least of 19 years of age, and a resident of California with 3 years driving experience. If he has the foreign country’s driving license, at least 18 months of driving experience in the roads of California is needed.

To be qualified for the low income category, the vehicle owned must not be very expensive. For students, he should not be dependent on the tax returns of another person. A driver owning a CLCA policy also cannot own a non CLCA policy. It is allowed to own only 2 policies at a time. Unmarried men between 19 to 24 years old must pay a surcharge of 25% on the insurance premium. This is because they are considered to be the high risk group of reckless drivers by most insurance companies. It is important for them to have an unstained driving record.

A driver can only be convicted one over speeding offense or damage to property offense. It would also be helpful not to commit unlawful traffic behavior and be booked under misdemeanor of the California Vehicle Code. To be qualified for the CLCA, you have to be able to produce the following: a valid driver’s license, current vehicle registration number (commonly known as Vehicle Identification Number or VIN), and the initial required deposit for the process. Furthermore, you have to provide a valid proof of low income. It could be a pension letter or Social Security Letter, 1099 form, and employer verification letter stating the period of employment. These requirements will help you to be in the low income category.

It is also essential to either present payroll stubs, W-2 form, a medical card and the state tax returns of the previous financial year. You also have to contact an insurance broker that can make the necessary arrangements for you. Usually done in less than a month, it does not require a long period of time to process insurance. Better to have one than to have none to help you in times you will need it.

Failure to carry insurance while driving could lead to severe fines and impoundment of the vehicle. Browse through the website to know more about the CLCA program. Enter your ZIP code to find out if you are qualified in the low income category and if you are eligible for inexpensive LA insurance.