California is the land of the car. It seems everyone here has a vehicle of some kind and the state of California is extremely serious about requiring each and every driver to carry auto insurance. Fortunately, the state also recognizes that many of its citizens find it difficult to afford to pay for auto coverage every month and so the state has created two extremely low-cost car policies that almost anyone can afford.
One policy, known as the California Low-Cost Automobile Insurance Program, or CLCA, is designed for those people who are having the most trouble affording standard auto coverage. To qualify for the CLCA program you must be at least 19 years of age, have a good driving record, and you must meet certain income eligibility requirements. Those who qualify receive a cheap basic liability policy along with an extremely generous payment plan that makes this insurance extremely affordable (average cost: around $ 400 per year). For additional information phone toll-free: 1-866-602-8861.
But even those people who do not qualify for California’s CLCA program are not left out in the cold. California’s cheap basic liability coverage is available to anyone and can be purchased online at a discount that makes it the way to go if cost is an overriding factor.
California’s basic liability coverage is a 15/30/5 policy. What this means is that the policy will pay a maximum of $ 15,000 in medical payments to any one individual who is injured by your vehicle if you are found to be at fault in an accident. The policy will pay a maximum of $ 30,000 in medical expenses for everyone involved in the same accident and it will pay a maximum of $ 5,000 in property damages.
This insurance, while allowing you to drive legally, can be risky. The reason is that the payouts are so low that if you are found to be at fault in even a moderately-severe accident the actual medical and property damage bills could exceed the maximum payments that your basic liability policy will pay – and YOU could be held responsible for making up the difference out of your own pocket or purse.
Another thing you need to be aware of is that a basic liability policy pays NOTHING for your medical expenses or for the medical expenses of anyone in your car following an accident. It also pays absolutely nothing towards repairing your car.
The largest tip of all when it comes to saving the most money possible on any type of car insurance is that you want to purchase your policy online. Online dealers have almost no overhead and the competition is fierce – which adds up to amazing savings for you.
Buying your policy online will save you as much as 20% or even 30%. I highly recommend that you check out several of the online sites which allow you to compare car insurance prices before you buy your policy anywhere else – I guarantee you will be thrilled!
Source by Alexis Jensen