California’s Low Cost Auto Insurance Program (CLCA) is designed to provide affordable liability coverage for drivers who meet certain income eligibility criteria. This program specifically offers minimal liability insurance necessary to comply with California state laws. It does not include comprehensive or collision coverage, which are optional types of insurance that cover theft, vandalism, natural disasters, and damage to your car from accidents, respectively.
While you cannot purchase comprehensive or collision coverage directly through the CLCA, you are allowed to supplement your CLCA policy by obtaining these coverages from another insurance provider. To do this, you would need to contact a different insurance company to inquire about adding separate comprehensive and/or collision policies. It’s important to inform the insurer that you are seeking to supplement a CLCA policy. Keep in mind that the availability of these coverages and their terms might vary from one insurer to another, and they will assess the risk and determine the premium based on their criteria.
When considering this supplement, it’s wise to shop around and compare quotes from multiple insurers to ensure you’re obtaining cost-effective supplementary coverage. Additionally, maintaining comprehensive and/or collision coverage might be a requirement if your vehicle is financed or leased, as the lender typically requires protection against damages to their collateral.
