There is a scheme in California that is aimed at allowing low income residents to be able to afford their annual auto insurance payment where they otherwise wouldn’t be able to. The idea behind this program is that there are too many uninsured drivers in California, which is bad for two reasons:
Firstly it is illegal to drive without auto insurance.
Secondly, if you are involved in an accident and you are at fault, and you are uninsured, you have no insurance company to back you up, should the costs escalate (as they usually do). In certain areas, such as Sacramento, they will even help you find your own car insurance quotes.
In Sacramento you are obliged (by law) to have a minimum of $15,000 per person for any bodily injuries, $5000 for property damage, and $30,000 for general accident costs in coverage. Sacramento auto insurance This might seem like a lot, but it is one of the most reasonable allowances in the whole of America.
The aim is to give every driver in Sacramento (that needs it) help so that they can afford their car insurance. This is especially useful for low income families, who might struggle to make ends meet, yet still need a car to earn their income. The new plan will see drivers only have to be covered for $10,000 in bodily injury per person, $20,000 for general accident costs and $3,000 for damage of any property.
To qualify you must be fulfill certain criteria:
1. You must be over the age of 18, and must have 3 years of driving experience (without gaps).
2. You must a clean driving record, with no penalties or fines.
3. You must have avoided accidents involving any injuries or deaths to persons involved for the previous 3 years.
4. You must not be currently studying in college.