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Shopping Auto Insurance Quotes in San Jose through CLCA Program

San Jose laws require a minimum financial responsibility for each driver. Therefore, in order to use a vehicle, you must first purchase auto insurance for it and start shopping for auto insurance quotes in San Jose.

California State has designed a special project, dedicated to low-income earners. The project is called CLCA (California’s Low Cost Automobile Program) established by the Legislature in 1999. Its purpose is to provide income eligible, good drivers with the liability insurance protection at affordable rates.

As a minimum coverage, the liability insurance will only cover the expanses of the non-guilty part involved in a car accident. Therefore, if you are the faulty-part during a traffic collision, you will have to pay on your own all your medical bills and repair costs. This basic policy provides the following coverages: up to 3000$ for property damage and up to 10000$ per person or up to 20000$ per accident, in case of bodily injury or even death. Therefore the provided coverages are even lower than those supported through the standard liability insurance (10/20/3 format is provided by the CLCA program, instead of 15/30/5 format, which is supported through the standard minimum coverage).

While offering you the minimum liability coverage, which is mandatory in San Jose, CLCA gives you also the opportunity to benefit from two other coverage types: the ‘uninsured motorist bodily injury’ and the ‘medical payments’. The first coverage will be needed in case you are involved in a traffic collision with an uninsured driver. If you are the non-guilty part, this insurance will cover your medical costs (up to $10000 per person or up to $20000 per accident). Of course, if there were any other persons in your car when the accident was produced and if those persons were bodily injured, their medical bills will also be covered through your insurance, but, the maximum amount will be 20000$ per accident, even if there are more than two injured persons. Regarding the other coverage, the ‘medical payment’ policy will cost you less for shore, but only $1000 expenses will be covered through this type of insurance.

In order to qualify for the California’s Low Cost Automobile Program, you have to meet multiple requirements. You must be at least 19 years old; you need to have a good driving record while being continuously licensed to drive at least for the previous three years; you must own a vehicle valued at no more than $20000 and, finally, you will have to meet the income eligibility requirements. Pay attention to the following detail: you might not qualify for liability coverage through the CLCA program if you still have to pay installments for your car. The reason is that, usually, lien holders require higher limits of liability during the loan term. For example, if it is mandatory for you to purchase a comprehensive coverage, you will not be able to do it through the CLCA program. More, if you purchase auto insurance out of the CLCA program you will no more qualify for an additional policy through this project. Therefore, you will not be allowed to buy the liability through the CLCA project and additional comprehension coverage, through a private carrier. In this case, you’ll have to give up to the CLCA program and you’ll be needed to purchase both coverage types from an insurance company.

 In order to apply to the California’s Lowe Cost Auto Insurance program, you have to provide the following documents. First, you are requested for a valid driver license and the current vehicle registration. In addition, you will have to make an initial deposit for payment. Finally, you’ll have to provide a proof of income (in order to check your eligibility to this program). For this last step, you can use one of the following documents: a copy of your federal or state income tax return for the last year, a medical card, an employer verification letter, a social security or pension letter, Employment Development Department Debit Card or benefit letters, notifications from California Work Opportunity and

Responsibility to Kids (CalWORKs) utility company lifeline verification or an Electronic Benefit transfer card.

You should know that there is the possibility to insure up to two vehicles per person, because family members in eligible households may get separate policies. Still, if at least one of the household’s members has signed an auto policy out of the CLCA program, you will be no more eligible to qualify to this program.

Purchasing a car insurance policy through the CLCA program will involve multiple installments. This project was designed to help you to buy a policy and it was considered that installments are more affordable for low-income drivers. It is important that you respect all your financial duties and your payment deadlines. Missing deadlines or policy renewal can lead to the policy’s cancelation, meaning that, in order to be able to benefit further of the CLCA liability coverage, you will need to repeat the entire process in order to get a new policy. However, you have the possibility to pay your entire premium when you are signing for a new policy or for a renewal. If you can afford this payment, it will be easier for you, because you will not be needed anymore to keep track of your car insurance installments and you will pay no more the payment installment fee (which is 4$).

 In order to make the whole process and payment easier for you, CLCA program allows you to fulfill your financial duties through multiple options: you can send either a check or a money order; in addition, you can use your debit card or credit card to make the required payments. You can also make use of your bank’s automatic bill payments system, meaning that, each month, in a previously established day, the amount corresponding to your installment will be withdrawn from your bank account. This is a practical solution and can help avoid missing payment deadlines.

Do not forget that evidence of financial responsibility is mandatory for all drivers in San Jose, and the most affordable solution used in order to fulfill this responsibility is the car insurance. Enter your zip code here and check the auto insurance quotes in San Jose. It is free and quick!