How does a student get to study if they do not have the right means of transport to their destinations? When a student has no proper transport means, they are likely to be late for their classes and other places that they want to visit because allot of transport is involved while studying. To ease this problem, a student will require a car in order to be at the right place at the right time. Having a car will ask for an insurance cover. The California department of insurance is trying to familiarize college students through a campaign on California low cost automobile insurance program otherwise known as (CLCA). This offers affordable young people with affordable auto insurance rates. The program meets the requirements of California insurance and suits all students studying in California.
CLCA provides affordable liability only car insurance that meets the responsibility of the state in terms of financial laws at a cost less than $400 annually. The aim of such low cost insurance is to avoid uninsured drivers from getting behind the wheel. This also ensures that Californians abide by the law and drive legally. The insurance department has been of late targeting college students but the program is available for anyone who qualifies for it by meeting the requirements. The Californians must be good drivers meaning they should have not damaged property more than once or a violation within the last three years, fault free accident that involved death or bodily injuries in the cour5se of the last three years or no misdemeanor or felony conviction for violating the vehicle code.
Other considerations to be met include income eligibility limits for the family of $27225, $36775 and $55875 for single person, two people, and a four-member family respectively. The insured car value also must not go beyond $20,000.
For students, it is difficult to obtain cheap insurance from companies. This is because they are perceived to cause more accidents than other experienced drivers who are older than they are. Students in California can reduce their rates by undertaking the following; a student can buy a car with a safety feature for instance daytime running lights or anti-lock brakes. This will work favorably for you by lowering your rates. You should also maintain good grades because insurance companies think that you are also a keen driver. Reduce your mileage. The longer the distance that you drive your car daily, the higher the rate that you pay to the insurance company because the probability of an accident is higher. A student can also opt to stay on their parents insurance by registering their vehicles in the names of their parents. It is also good to maintain good credit history if you want to pay lower rates to the insurance company. A student can opt to buy a smaller car but small does not mean sport car. Before selecting an insurance company, get quotes from various companies, compare their rates, and choose the cheapest. It is important to maintain a clean driving record if you want to get lower insurance rates.
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