State Sponsored Auto Insurance in California

California drivers may be able to qualify for a program that is state sponsored to receive reduced California state auto insurance rates. California state usually requires all of their drivers to obtain auto insurance. However, there are still drivers on the road that do not have proper insurance coverage. California’s low cost insurance program may be the financial solution for good drivers to maintain state protection.

The California’s low cost automobile insurance program was designed to provide California state auto insurance, with guidelines for the program to follow. Some of the guidelines include having a vehicle that does not exceed $20,000 in value. If you are a younger driver that is interested in applying, you must be at least 19 years old, and have been in possession of a driver’s license for a minimum of three years, with no changes in status. If you are college student, you must be independent. This means that no one is able to claim you as a dependent on their tax return. Drivers that are interested in applying will usually need to have a good driving history. Usually, you are unable to have more than one moving violation that valued no more than one point against your license. You may also have no more than one driving accident during a three year time frame. Also, a driver is unable to have been convicted of a misdemeanor or felony related to the vehicle code set by the state. For more information regarding California state auto insurance, please read “Auto Insurance in California”.

When the California’s low cost insurance program was established in 1999, but was only available to limited areas in California. In 2007, improvements were made to the program to extend program coverage to all counties in California. California residents of the state may be able to start the process of qualification by completing a short online questionnaire. If you are eligible, you will usually be contacted by an insurance administrator.