Low Cost Auto Insurance
Finding low cost auto insurance with great customer service is the goal of most United States consumers. Automobile policies are not only mandatory by most states but also provide useful protection against financial losses.
The most practical way of finding the lowest costing coverage is to obtain rate quotes from various reputable carriers. OnlineAutoInsurance.com helps thousands of consumers find great rates by simply completing one form and obtaining several quotations. One carrier can offer cheap auto insurance prices for a certain person and some of the highest for another. That is because carriers determine their rates on many different factors about not only the driver but also the vehicle and even where one lives or parks the automobile when unused.
There has been talk about laws being introduced prohibiting insurers from basing rates on where drivers reside or garage their vehicles; however, using territory as a means of determining rates is legal and is used by most providers.
If drivers live in certain areas of high traffic, their premium may be quite high. There are some government programs designed for the lower income consumer living in a high traffic area. Since having coverage is a law in most states, the program is designed to provide assistance for those who cannot afford insuring their vehicle.
You may be wondering why some carriers are cheaper than others when it comes to their rates. The reason behind that is explained in our article Car Insurance - What Determines Rates. There drivers can find details on what carriers look at when generating a price quote.
One such program is the low cost auto insurance program that California has in place to assist those living in a high traffic area that generates higher premiums. Nearly 20,000 drivers throughout the state remain uninsured because they simply cannot afford it, which puts them, as well as other drivers, at risk. In order to be eligible for the program, one must meet the following requirements:
- Low income has to be equal to or less than $27,225 for one person, $36,775 for two, $55,875 for four and $94,075 for eight persons.
- One must fit into the "good driver" category, which means he or she has no more than one at-fault accident and no more than one violation point within three years.
- There is also a minimum age requirement of 19, and drivers must be continuously licensed for at least the past three years.
- Other limitations may apply.