During these tough financial times a lot of Californians are putting other necessities ahead of insurance which can lead to financial disaster if they get into an accident without the proper insurance. Not only do they have to pay out of their own pocket for damages and injuries, but the D.M.V. will suspend their licenses, causing hardship and burden to their everyday life due to the reliance on transportation.
About one in four of every driver in California lacks auto insurance, according to Steve Poizner, the state’s insurance commissioner. It’s against the law and puts other drivers at risk, he said. Uninsured motorists can have their license suspended or revoked.
The State of California developed a program back in 2007 to help income eligible good drivers get low cost automobile insurance, premiums vary by county, ranging from $161 to $368 per year.
Governor Arnold Schwarzenegger is considering cutting the program due to it’s lack of interest, but Doug Heller, executive director of Consumer Watchdog, thinks otherwise. “The State hasn’t done enough to promote the program and insurance brokers often don’t tell customers about it”, Heller said.
To qualify, an applicant must be at least 19 years old with three years’ driving experience. In addition, a driver must have no at-fault accidents involving injury or death in the past three years and no felony or misdemeanor convictions for a vehicle code violation. Also applicants can’t earn more than 250 percent of the federal poverty level and the value of the insured’s vehicle can’t be more than $20,000.
Give us a call for more information about the Low Cost Auto Insurance Program and see if you qualify. For those that don’t qualify for the low cost program, there are still cheap rates that can fit their budget. Take advantage of the many companies we work with to find you the lowest rates. Fill out our quote request form and you’ll be surprised how much you can save by switching to Saferoad Insurance.
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