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Requirements for Los Angeles Cheap Car Insurance or CLCA

According to the Heal and Human Services department in California, in 2010 it has been classified that a person earning below $10,000 and families of four earning slightly above $22,000 are considered to be in the low income category. Generally, earning of low income families earning should be less than 80% of the median of the data set of income of the state. But this should not hinder the low income earners to own cars and get them insured. Good thing, the California Low Cost Automobile or CLCA program is there to aid them have LA car insurance for cheap rates. This Los Angeles Cheap Car Insurance programme aims to lower your insurance cost up to $400 a year.

There are a number of clauses that you must fulfill in order to avail this kind of car insurance.

•             The person or family applying for this insurance must not own a car worth more than $20,000.

•             Student applicants shouldn’t be dependent on their parents or anyone else who files a state or federal income tax return.

•             The policyholder should not hold any other policy of automobile liability. He or any other members of the family are not allowed to maintain any other auto insurance policy.

•             The applicant must be a good driver having not more than one moving violation or property damage where he is the one at fault.

•             Felonies or misdemeanor on his vehicle record are not allowed to be qualified for this insurance since it is a violation of vehicle code.

•             No person is allowed to have more than 2 policies under CLCA.

•             You need to be at least 19 years of age and a driving experience for 3 years.

•             If you are a of driving license holder of a foreign country, you need to have driven for not less than 18 months with the  license to drive in Canada or the United States during the given period.

•             For unmarried male drivers between 19 and 24 years old, your premium will be assessed with a 25% surcharge on it.

It is indeed important to own insurance as per the California’s compulsory financial liability law. It is also important that the purchased policy can provide the minimum liability coverage, which is 15/30/5, for injury to single or multiple persons during accident or for the property damage.

We can provide you information to get brokers that offer their services for limited income households. Just enter your ZIP code to find out if you can get Los Angeles cheap car insurance.