Los Angeles Auto Insurance

It has never been harder to get that Los Angeles auto insurance you want specially if you fall under the low-income bracket as a driver. Since San Francisco is currently listed as one of the several counties covered under the California Low Cost Automobile Insurance Program (CLCA) all you have to do is to qualify for it through providing details of your financial income in some regular basis data sheet in order to gain access to affordable liability insurance.

CLCA is available in the following counties:

Alameda	Contra Costa	Fresno	Imperial
Kern	Los Angeles	Orange	Riverside
Sacramento	San Bernardino	San Diego	San Francisco
San Joaquin	San Mateo	Santa Clara	Stanislaus

There are also some plans to include to the program this coming April 1, 2007 other six cities like Monterey, Merced, Santa Barbara, Sonoma, Tulare and Ventura. Plus there is an option if you would like your local county to be added to the list, where you will have to tell or inform in some way, the CLCA that the program is needed in your county.

According to the CLCA, they will provide low-income individuals with a way to obtain access to affordable liability and cheap car insurance in Los Angeles and a few other California counties through this program. This kind of auto insurance policy helps drivers operate their vehicles legally and at the same time get that protection for themselves, their vehicles, and anyone else involved in any accidents that may occur while being under the protection of the said program.

Through the CLCA, when you purchase cheap car insurance in Los Angeles, your auto insurance premiums will be at a low cost of $336.00 annually, to date according to the program amenities. There are also other program inclusions such as optional car insurance coverage that take in uninsured motorist coverage for an additional $25 per year, and medical payment coverage for an additional $29 per year. But here is a fixed added payment amount to the rate terms where unmarried male drivers 24 years old and younger have a surcharge of 25 % more than the usual.

According to the insurance .ca.gov information center, these following criteria for qualification are to be followed by insurance applicants. I have them below for exact reference purposes.

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CLCA Premium Rates by County:

· Installment plans are available for as little as 15%, with the balance payable in up to six payments.

· Optional Uninsured Motorists and Medical Payments coverage are also available; for more information about these coverages call 1-866-60-Auto-1.

· A 25% Surcharge is added to the base rate for umarried, male drivers ages 19-24.

Who is eligible for the California Low Cost Automobile Insurance Program?

To be eligible for the CLCA program: you must meet the following requirements:

· Be able to meet low-income requirements (1 person = $24,500, 2 persons = $33,000, 4 persons = $50,000, 8 persons = $84,000)

· Meet the good driver standard (no more than one at-fault property damage only accident or more than one point for moving violation in the past three years)

· Be at least 19 years old

· Have been continuously licensed to drive for the past three years

· Have a vehicle valued at less than the $20,000

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Through overall assessment, i can say that cheap car insurance in Los Angeles through CLCA is geared for low-income individuals and families and locals because many California drivers they estimate would fit under the bill. The actual target individuals are college and university students, recent graduates just entering the workforce, and seasoned workers who have found themselves jobless for a certain amount of time and others, usually the low-income workforce and students.

That cheap Los Angeles auto insurance could be your ticket to just what you might need, a low-cost auto insurance policy today. If you fall under the certain criteria provided above, with a low-income bracket and meet the above requirements set by the CLCA program, the California Automobile Assigned Risk Plan or the California Department of Insurance, go ahead and get that affordable, cheap, convenient and cost-effective Los Angeles auto insurance now.