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Make Auto Insurance Affordable Through Low Cost Insurance Programs

The law in many states all over the nation stipulates that all motorists should have at least the minimum liability insurance dictated by the auto insurance laws of their respective states. Failure to do this is a violation of the laws and is punishable by the respective penalties in the insurance code. However, even with this rules and regulation being so stiff, the number of uninsured drivers is big due to the fact that they cannot afford auto insurance. In the current economic times, asking someone to carry a minimum liability insurance of huge amount results in defaults. Many statutory bodies and car insurance firms alike have come up with options aimed at addressing the issue of auto insurance particularly for individuals considered low income earners.

In California, the state has come up with a program that caters for the low income earning population in the state. The standard minimum liability insurance for other citizens in the state are $15,000 for bodily injury or death for one person per accident, $30,000 for bodily injury or death for two or more people per accident and $5,000 for property damage. However, under the California Low Cost Auto (CLCA) insurance program, the minimum requirements are $10,000 for bodily injury of death to one person per accident, $20,000 for bodily injury to two or more people and $3,000 for property damage. The difference is significant and is aimed at bridging the gap between the income classes to accommodate auto insurance cost coverage for all the citizens. The catch however is that you have to qualify for the program by proving that you are indeed in the bracket of a low income earner.

Similar programs have been put up in other states with the minimum liability insurance requirements being lower that the standard ones e.g. the Texas Low Cost Automobile Program (TLCA) in Texas. You have to qualify by way of presenting the officers with valid and up-to-date statements of your accounts, pay slips and also an account of your assets and liabilities. In addition to these requirements, you will have to show proof that for the past three consecutive years, driving record has been clean and your license has been valid.

To make it easier for low income earners, the program has various ways to make the payments so as not to strain their budget any further. One can make an initial payment and then pay the rest within 30 days, 6 installments in 60 days, and so on. Low cost auto insurance is available for all low income families in most of the states. Car insurance companies also have plans that are able to accommodate low income individuals by subsidizing the rates offered to them after proving that they cannot afford the standard rates. Get matched up with one such company today. Enter your ZIP CODE above and be a step closer to achieving your dream of low cost auto insurance.