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Low Cost Auto Insurance in Los Angeles, California

Special discount packages are built in the auto insurance in Los Angeles for low earner drivers. Special programs are also being established by the state legislators for those who are unable to pay big costs. One distinctive program of ‘low cost auto insurance’ is being organized by Californian State followed by all the residing counties including Los Angeles. All information about the program is present online. Its website defines the outlines and eligibility for this program. The family having annual income less than $64,475 can apply for this program. Residents may qualify for the program based on some factors. The basic liability policy offered by the program includes the following limits:

•             Per Person Bodily Injury liability- $10,000

•             Per Accident Bodily Injury liability -$20,000

•             Per Accident Property Damage liability – $3,000

Motorists can also take part in this program. They can add optional coverage for the medical expense and uninsured motorist coverage through additional charges. The applicant is presented with a questionnaire that can help the company evaluate whether the he is qualified. Once the applicant qualifies for the program, he is given a telephone number of the local agents who would further help him with having low price insurance in LA. No hidden costs or fees are allowed. This is prohibited by the law of California State to which the producers are prohibited from charging any fees when submitting applications. This means no “broker fees”, no “paper work fees”, or no “motor vehicle report fees” can be charged.  The broker, agent or the company cannot take additional charges or fees from the applicant as per this rule.

In addition, the low cost insurance policy does not provide the coverage for Physical Damage (Comprehensive & Collision). Coverage can be purchased separately from the insurer. The low price insurance program does not have all the benefits that an ordinary insurance would have. The collision and comprehensive coverage is also not offered. In case of accident or any damage to the vehicle, the company could not recompense. This is one of the major drawbacks of this program. The holders of this program will be at risk from any accident and damages.

Despite the fact that this program is offered through the state, the program is not liberally ideal. Auto insurance in LA is mandatory and the state issue taxes and other payments to be paid by the residents. In this time of recession and social downfall, every penny counts. Taking advantage from such program can be helpful in some manners but not every aspect is covered with it.

Though the above program is especially designed for those who can’t afford a standard insurance policy, still it needs mandatory improvements for them to enjoy umbrella coverage under one head. Another way of low cost auto insurance in Los Angeles is finding available discounts from different coverage from various insurance companies. To start comparing quotes, enter your ZIP in the above bar found on this website.