How do I apply for California's Low Cost Auto Insurance Program and what are the eligibility requirements?

To apply for California's Low Cost Auto Insurance program, you must confirm you meet the income and driving record requirements, gather your documents, and contact a certified agent through the program's official website or phone number. Here is how to apply for the program: Step 1: Verify Your Eligibility Before applying, confirm you meet all program requirements. You must have a household income at or below 250% of the federal poverty level, a valid California driver's license, a vehicle valued at $25,000 or less, and be considered a "good driver." A good driver has no more than one point on their driving record within the last three years and no felony or misdemeanor convictions for a vehicle code violation. Step 2: Gather Your Required Documents You will need to provide proof of your eligibility. Collect your valid California driver's license, your vehicle's registration card, and proof of income, such as a recent tax return or current pay stubs for all household members. Step 3: Find a Certified Agent You cannot apply for this program directly; you must go through a certified agent. To find a local agent, use the agent locator tool on the official program website at MyLowCostAuto.com or call the statewide toll-free number at 1-866-602-8861. Step 4: Complete the Application with the Agent The agent will help you complete the application form and will verify your documents. The agent then submits your application to the California Automobile Assigned Risk Plan (CAARP), which administers the program. If approved, you can purchase the policy and receive proof of insurance. Important Details and Nuances: This policy provides only liability coverage, which satisfies California's minimum financial responsibility laws. It does not cover damage to your own vehicle (collision), theft (comprehensive), or medical payments for your own injuries. Premiums are set by county and are non-negotiable. Warnings and Limitations: Providing false information on your application is illegal and will result in cancellation of your policy and potential penalties. If you finance your car, your lender will likely require comprehensive and collision coverage, which this program does not offer. This plan is designed to meet minimum legal requirements only. This is general information and does not constitute legal advice. For complex situations, you should consult with a qualified California attorney to discuss your specific circumstances.