With inflating prices of groceries, gas, and more, many California drivers have been running the risk of not obtaining insurance in order to pay other bills. This of course, is a serious risk, and if caught, an uninsured driver faces a multitude of consequences. Fortunately, the California Low Cost Insurance Program (CLC), which was set in place over a decade ago in order to help drivers obtain affordable California auto insurance, has helped decrease the amount of uninsured drivers on California roadways with it recent changes.
Per California Insurance Commissioner Dave Jones, financial problems have been the primary factor for the high amount of uninsured drivers in California. However, the CLC program has revised their program in order for it to be accessible to more drivers.
According to the California Department of Insurance, CLC has helped to decrease annual premiums in California by up to 9%. These reductions are the largest since 2009 in California, with an average annual premium price of a little over $257 per vehicle.
Along with premium reductions, the state of California has also increased the maximum income eligibility, making it easier for more drivers to qualify for the program. The new income requirements are as follows:
- A household with one person can make no more than $27,925 annually
- A household with two people can make no more than $37,825 annually
- A household with three people can make no more than $47,725 annually
- A household with four people can make no more than $57,625 annually
In addition, drivers must be at least 19 years of age in order to qualify for the CLC program, and each driver must have had their driver’s license for at least three consecutive years. Drivers must also have a clean driving record with no major speeding tickets or at-fault accidents.
For more information regarding the CLC program and its eligibility requirements, visit the official California Department of Insurance online website.