Low Cost Auto Insurance in Moreno Valley

from Best Insurance Services

California state law requires all vehicles with two or more wheels to have liability insurance coverage. Liability policies protect you financially if you are responsible for an accident that caused someone property damage or physical injury.

As a signed contract between you and your insurance provider, liability insurance covers expenses based on customized deductibles and can be used to fund another’s funeral, medical expenses, vehicle repairs and more.

However, at $164 per month, the average auto insurance plan in California is one of the most the most expensive in the nation. And with the number of low-income families on the rise, auto insurance just isn’t financially feasible for everyone.

Thankfully, there is a solution. With low cost auto insurance plans from Best Insurance Services in Moreno Valley, you can find a plan that fits your life’s needs and your budget’s demands.

What Is California’s Low Cost Auto Insurance?

To combat the financial rise of auto insurance, California has developed a program that helps good, low-income drivers afford auto insurance. This program, California’s Low Cost Auto Insurance (CLCA) program provides liability coverage for one primary driver and any other eligible individuals who will be frequently driving the vehicle.

To qualify for this program, drivers must:

  • Have a valid California driver’s license
  • Meet all income eligibility guidelines
  • Be at least 19-years-old
  • Program accepts AB-60 licenses
  • Vehicle’s worth must be at or below $25,000
  • Owners can insure up to two vehicles
  • All household vehicles must be registered with the CLCA program

Types of Low Cost Auto Insurance in California

As an income-eligible based program, the CLCA offers affordable insurance access to qualified Californians so that they may comply with California law. After the programs inception in 1999, licensed insurance agents around the state were able to provide low-income families with auto insurance solutions that covered a variety of different demands.

  • Basic Liability Charges: As required by state law, Californians must obtain auto liability insurance if they own and drive a vehicle. Under the CLCA program, basic liability insurance covers just the expenses for damage you do to others and their property.

    This policy coverage includes $10,000 per injured or killed person, $20,000 per accident involving injury or death, and up to $3,000 for property damage expenses.

  • Uninsured Motorist – Bodily Injury Insurance: In the event of an accident where another is at fault, their insurance is typically responsible for your expenses. However, if the driver is uninsured, chances are you’ll be stuck covering the costs.

    With uninsured motorist – bodily injury insurance you’ll have medical coverage up to $10,000 per person and up to $20,000 of coverage per accident.

  • Medical Payments Coverage Insurance: If you are injured in a vehicle accident and no one is at fault, who is going to cover your medical expenses? California law only requires liability insurance to provide financial coverage for other motorists and not for you or your passengers.

    With medical payments coverage, you’ll have access to $1,000 per person injured in your vehicle. These payments are specifically for bodily injury and cannot be applied to vehicle damage.

Partner with The Best Insurance Company in Moreno Valley

Come to Best Insurance Services in Moreno Valley and speak with our licensed low-cost auto insurance agent, Jaime, today. As the only licensed agent in a 75-mile radius surrounding Moreno Valley, Jaime is the expert when it comes to working with you on creating the best low-cost auto insurance plan for your needs. Get started by requesting a free quote for your auto insurance demands and don’t hesitate to contact us for more information.

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23940-A Ironwood Ave
Moreno Valley, CA 92557

951-485-0407
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