Skip to content

Cars and Auto Insurance

Could You Be Eligible for California’s Low Cost Auto Insurance Program?

    2 minute read

    These days, times are tight for many Californians. After spending their paychecks on housing, food, and utilities, many households still have to find enough money in the budget for auto insurance in order to drive legally in the state. Unfortunately, California is one of the most expensive states in the country when it comes to auto insurance. So drivers have no choice but to bite the bullet or refrain from driving, right?

    There may be another option. It’s called the California Low Cost Auto Insurance (CLCA) program.

    The idea behind this program is to allow low-income Californians a means to insure their vehicles if they cannot afford auto insurance on the open market. These policies are partially subsidized by the state government and issued by participating insurance companies. People who qualify can purchase up to $10,000 of per-person bodily injury or death coverage, up to $20,000 of per-accident bodily injury or death coverage, and up to $3,000 for per-accident property damage coverage. Underinsured motorist and medical payments policies are also available through CLCA.

    How Do You Qualify?

    Read More »Could You Be Eligible for California’s Low Cost Auto Insurance Program?

    Could Your Marital Status Impact Your Car Insurance Rates?

      3 minute read

      marital status and car insurance ratesAh, marriage — that beloved, respected, and cherished institution. Many people in California identify marriage as one of their biggest personal milestones; and some even view it as a life goal. And for everyone who ties the knot, their very existence is altered on a practical level. Married couples make decisions together, inherit their partner’s family and friends, and adjust their daily lives to account for another person.

      Oh, and marriage also affects auto insurance rates as well. But this, as with many (all?) aspects of marital bliss, is usually a good thing.

      Married? Congratulations… On Lower Auto Insurance Rates!

      It’s true: married drivers tend to pay less for auto insurance than their unmarried counterparts in most (but not all) states. Though the difference varies by state and insurer, a wedding ring is good for an approximate 10% cut in premiums.

      Read More »Could Your Marital Status Impact Your Car Insurance Rates?

      How Can I Find Out What’s on My California Driving Record?

        3 minute read

        You may be aware of the fact that your life is categorized in a series of records. You get a birth certificate at birth and a social security number before you start working. Your home address, employment information and tax filings are all in a database somewhere. Well, there’s also a record that tracks your driving mishaps. More specifically, your driving record keeps track of all of the moving violations, license points and auto accidents that you have accumulated in recent years. As a Californian, you have the right to see what’s in this important document.Read More »How Can I Find Out What’s on My California Driving Record?

        Help! How Do I Get Car Insurance?

          2 minute read

          If you’re a teenager or a recent arrival to California, you may have wondered How do I get a driver’s license? Then you discovered the procedure that involved studying driving laws, getting behind-the-wheel experience, passing the exams, and going to the DMV for your license.

          If you’re out on your own for the first time, you may have asked yourself How do I buy a car? Then you checked out ads, went to dealerships, negotiated price, obtained financing, and signed on the dotted line.

          Even though you’ve figured out how to overcome these two obstacles, there’s still one more question you must answer before getting out on the roads: How do I get auto insurance?

          Thankfully, obtaining auto insurance is usually much easier than getting your license or purchasing a car.

          Read More »Help! How Do I Get Car Insurance?