Question by Frequenttraveler: What auto insurance offices offer reduced cost auto insurance program in the San Fernando Valley?
Details below if you do not know which one I am referring to?
I’m not talking about the cliche “low cost auto insurance” that is available to everyone. etc…I’m talking about a specific plan offered by the state of California available at some insurance offices for low income individuals. I found one office with it, it isn’t close enough, does anyone know of any more offices ?
“The California Low Cost
Automobile Insurance Program (LCA):
The California Low Cost Automobile Insurance Pilot
Program, created in 1999, established a low-cost
automobile insurance policy for residents of Los Angeles
County and the City and County of San Francisco.
California Law requires that all drivers be insured.
However, too many low-income drivers remain uninsured
because the costs of standard auto insurance premiums
are beyond their financial reach. The program’s purpose
is to provide low-cost automobile liability insurance to
good drivers who demonstrate financial need.
Answer by Insuranceman
It’s my understanding that the program is only available to those that are certifiably below the poverty level and the liability limits are reduced even lower than what is normally required by the State of California.
I’m a Texas agent but have a lot of friends that are agents or brokers in CA and they tell me that they do not HAVE to sell it and choose NOT to since it IS a low premium product (hence low commission to them) and they cannot charge any broker fee.
Irregardless of how far the agent that you FOUND that WILL write the program, you may be compelled to use them. It’s either that or ask around to someone you know that might have the program – perhaps they can point you in the right direction. You might also contact your Department of Insurance in Sacramento for a list of qualified agents.
Good luck and I hope this helps!
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