All About Auto Insurance CA

California has a tremendous problem with uninsured motorists. As a result, California has put in place what is known as low cost insurance for people who meet the income requirements. Here are some things you should know about auto insurance CA.This special low cost insurance is to help more drivers insure their vehicles. The insurance covers $10,000 per person with a limit of $20,000 bodily injury and $3,000 property damage per accident. By paying more, the driver may add medical payments up to $1,000 per person and uninsured motorist bodily injury of $10,000 per person with a limit of $20,000 per accident.This insurance is only available for car owners who meet the following requirements. First of all, they must meet the income requirements. These are based on the person's annual income plus the number of people who live in his household and make up his family unit.He must be at least nineteen years old and must have been driving for three consecutive years. The driver must have a clean driving record which shows that he is a safe driver. The vehicle he owns and plans to insure must be valued at under $20,000.The first step in purchasing this low cost insurance is to make sure that you qualify. There is a simple yes/no questionnaire online that you can fill out to see if you will be accepted. If you qualify, the system will give you a list of producers in your area that can provide this type of insurance.The producers are intermediary persons who simply take your application, the fee and the required documentation for the program. They send in everything to the proper authorities. Once you are approved for the program, you will be assigned an insurance company. You may not choose your own.Before you apply, do a free auto insurance quote online to make sure that the low cost insurance is your best deal. This will guarantee that you are paying the lowest price possible for your car insurance.